Frequently Asked Questions

Table of Contents

1. How do I Apply?
2. Is coverage available to anyone, ... ?
3. Why do I need travel insurance?
4. Who is Travel Insurance Now.com?
5. What is a deductible?
6. When is coverage in-force?
7. Should I pre-certify health insurance expenses?
8. I am already living or traveling abroad, can I still get coverage?
9. Can I purchase travel insurance for my friend, relative or employee online?
10. My wife and I are buying Round Trip Vacation Insurance for a trip worth $10,000, do we split the cost when quoting?

How do I Apply?

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. 

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Is travel coverage available to anyone, including citizens of the USA?

Yes, the travel medical insurance plans we offer are available to anyone in the world, including citizens of the USA. Long term International health plans are not available to US citizens living in the USA, unless they are planning to become expatriates (leave the country). Vacation Insurance plans are only available to citizens of the USA or to people who have purchased their trip in the USA. 

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Why do I need travel insurance?

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.

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Who is Travel Insurance Now.com?

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 Tompkins Financial Group Ltd.™

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What is a deductible?

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.

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When is coverage in-force?

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. If you purchase the Round Trip Vacation Insurance plan, SRI will then send you confirmation by both email and mail.

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Should I pre-certify health expenses?

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. 

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I am already living or traveling abroad, can I still get coverage?

Yes, if you require travel medical,  it is 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. If you need Vacation Insurance, it is too late to get coverage if you are already abroad or traveling.

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Can I purchase travel insurance for my friend, relative or employee online?

Yes, you can do this as long as you complete application online.

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My wife and I are buying Round Trip Vacation Insurance for a trip worth $10,000, do we split the cost when quoting?

Yes, you enter your cost as $5000 each. If you have children traveling with you at no cost, put the minimum for each child, $0 to $500. Otherwise, include the portion of their trip cost on the Vacation Insurance quote page.

Note: The policies via TFG Global Insurance Solutions Ltd. and its related web sites offer are not available to 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.