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All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:Emergency evacuation Hi, My son will be taking a short term mission trip to Honduras from June 16th to the 26th, working with the Mercy Ships. They recommend that we purchase emergency evacuation insurance for my son. He already has medical insurance. Would you please provide a quotation for the insurance? My son is 17 years old, nonsmoker, in good health (no chronic medical condition). Thank you!

A:
You can purchase TraveLite, available at /trip-cancellation-insurance/ It will cost you total of $27
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Q:Question about Liaison Traveler I am in the process of purchasing Liaison Traveler. My question is in the online application there is a Correspondence Address section. We have a permanent address in the US but are currently, temporarily living in Spain until April 1st. We are purchasing the 6month coverage from April 1st to end of September. We will begin to travel in Europe for those 6 months covered by your Liaison Traveler. My question is: The packet with the ID card should be sent to our Spanish address to receive this even though this is temporary. We should receive it well before we leave Spain which will again be April 1st. So just put our Spanish address correct? Look forward to your response. Regards

A:
Yes, you can specify your Spanish address. You can purchase Liaison Traveler
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Q:Domestic evacuation insurance I will attempt a Pacific Crest Trail through-hike this summer. I will begin on (approx.) May first and complete the hike in mid September. I would like to purchase "emergency rescue" insurance for the 4+ month period that I will be on the trail. This hike covers the length of California, Oregon and Washington states. Does your company provide this kind of insurance? Reading your web-site I understood the policies to cover only over-seas travel. If this service is available from you, great! If not, perhaps you can recommend companies that do provide the service. Thank you very much for your help.

A:
We do not provide domestic evacuation insurance. Please let me know if you have any other questions.
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Q:Flight accident insurance I am going to see my Grandboys in September. All I am concerned with is just getting Insurance in case plane accidents. What would you suggest?

A:
You can purchase Travelex flight insurance at /trip-cancellation-insurance/
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Q:Trip cancellation due to non issuance of US visa Hello, does your trip cancelation insurance covers event of non-issuance of US entrance visa to foreign national? If I buy air ticket for my mother-in-law (she lives in Russia) and she will not be able to use in case any US Visa issue problem. would you cover it? Thank you.

A:
No, that is not a covered reason for trip cancellation.
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Q:Pre-existing conditions waiver Hi, We're flying to Australia on frequent flyer miles booked months ago. There was a refundable booking fee of $92. We've just started to purchase hotel etc. within the last week. Are we eligible to waive pre-exisiting medical conditions? The trip begins 4/4/06 and ends 4/27/06.

A:
Thank you for your interest in purchasing trip cancellation insurance. Look at CSA plan at /trip-cancellation-insurance/ You can compare various products at /trip-cancellation-insurance/ All of them cover pre-existing conditions as long as you buy the insurance within 24 hours of FINAL trip deposit. Please let me know if you have any other quesitons. Can you please explain 24 hours FINAL trip deposit. We are buying hotels, tours, etc. individually. Do you mean when we don't add anything to our itinerary and we consider ourselves booked for everything we're doing? In other words, you can buy the insurance any time before FINAL trip deposit or within 24 hours after that. If you know you are not going to add anything after some point, you should buy insurance latest within 24 hours of final trip deposit. Of course, you can continue to make more trip deposits as well after buying the deposit. Just that you can't make the final deposit, wait for 1 week, then buy the insurance. One more question, thank you for your patience and help! I want medical insurance included in my plan. If I purchase one of the plans below right now, and continue to finalize my trip for the next week (we've paid some money for it already, more to buy), and I go to Australia and need medical help for something for a medical condition that I had treatment for within the last 180 days, the medical treatment would be covered? And if the trip were interrupted because of this medical condition, it would be covered? Thank you Yes, medical is included in the insurance coverage as well. Please look into the individual brochures for the exact limits.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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