Frequently Asked Questions
- How do I Apply?
- Why do I need
- Who is Travel
- What is a
- When is coverage
- Should I
pre-certify health insurance expenses?
- I am already
living or traveling abroad, can I still get coverage?
I purchase travel insurance for my friend, relative or
Simply got to the ONLINE
QUOTE Page. You can also apply via fax or post by printing the
relevant plan application, which are available in either HTML or
in Adobe Reader format.
Traveling anywhere can be risky. You
purchase travel protection because your domestic plan probably
doesn't cover you abroad. Travel insurance is there to help pay
out-of-pocket expenses due unexpected incidents such as baggage
loss and medical emergencies.
Travel Insurance Now.com is
an on-line travel insurance brokerage. We represent the client and
are responsible to them alone Travel Insurance Now.com
is owned by TFG Global Insurance Solutions Ltd.
A deductible is a way for the insurance
company to reduce claims and your premium. If your plan has a $200
deductible, you pay the first $200 of expenses and then the
insurance company picks up the rest/ The higher the deductible,
the lower the cost and vice versa.
For most of the plans we offer, coverage is
in-force once you have been approved by the insurance carrier,
premium payment has been received and they have sent you written
approval. For single trip plans, you can purchase and pay for
coverage right on-line. If you purchase the Patriot Travel
Insurance coverage online, the International
Medical Group (IMG) will then send you confirmation by both
email and mail or courier.
It is recommended that you, your spouse
and/or the hospital pre-certify claims (especially large ones)
before treatment if possible. But, don't put off any treatment
that is medical necessary and urgent. The key is you want to know
that the expense is covered if possible before you get it done.
Most of the time it is just common sense. Many of the plans offer
a toll free or collect call number on a card or certificate
that you or your medical facility can call to pre-certify claims
and coverage, so make sure you have it with you at all time.
Yes, if you require travel medical, it is
usually not too late to get coverage if
you have already traveled or are already living outside your
country of citizenship. Of course, if you already have a claim
before being covered or a pre-existing condition, it won't be
covered. However, some long-term medical plans will cover or
exclude pre-existing conditions. Check the policy for details.
Yes, you can do this as long as you complete
Note: The policies via TFG
Global Insurance Solutions Ltd. and its related web sites offer are not
citizens currently residing in the USA.
If you reside in the USA and require
coverage, please contact us and we will refer you
to another associate.
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All Rights Reserved
Note: Some of the products
and services described or advertised on this site may not be available to
residents of certain jurisdictions, depending on regulatory constraints,
including Canada and the U.S. Please contact TFG Global Insurance
Solutions Ltd. sm for
more information about your specific jurisdiction.
Some of the above coverage is NOT available to
residents in British Columbia.
Travel Insurance Now.com is
a service mark of TFG Global Insurance Solutions Ltd.™
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