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24-hour Travel Emergency Hotline: 01-715-345-0505 (direct or collect)
info@TravelProtectors.com www.TravelProtectors.com
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Travel Insurance Questions Most Frequently Asked of Our Staff
WHY WOULD I NEED TRAVEL INSURANCE AND ASSISTANCE SERVICES?
Most international travelers are inadequately or inappropriately informed about travel health matters and approximately one traveler in four will experience at least one illness while abroad.*
Motor vehicle accidents are an even greater hazard abroad than they are at home, and constitute the most important threat to the health and well being of the international traveler.**
In trauma cases, such as heart attack, you need to act quickly and efficiently to save a life.
For a nominal cost, you will have access to immediate medical assistance, to certified physicians and hospitals anywhere in the world.

ARE PRE-EXISTING CONDITIONS COVERED?
Pre-existing condition coverage varies by product. Some of our products provide pre-existing coverage if you purchase the insurance within 15 calendar days of your initial trip payment and you purchase "Trip Cancellation" coverage. (The "Cruise, Tour & Travel" plan offers this option.)

IS THERE COVERAGE FOR TERRORISM?
Some of our policies do provide coverage in the event of a terrorist incident. (The "Cruise, Tour & Travel" plan offers this option.)

I ALREADY HAVE MY OWN HEALTH INSURANCE; AM I COVERED FOR MEDICAL EXPENSES ABROAD?
Many health providers do not cover their members for medical expenses abroad.  ALWAYS check with your own health provider first to see if you are medically covered for injury and illness outside the United States. Be sure to ask them if you are also covered for medical evacuation, which can cost tens of thousands of dollars. If you are covered for medical expenses but no other services, you may still want to consider purchasing one of our plans because we offer so much more than just medical coverage (such as medical evacuation; 24/7/365 access to physicians, dentists, and pediatricians; in-patient and out-patient assistance; translations; prescription refills; etc.)

WHOM DO I CONTACT ABOUT VACCINATIONS OR OTHER MEDICAL PREVENTION INFORMATION?
Contact the International Society of Travel Medicine at www.istm.org.  On their web site they list U.S. and worldwide travel clinics where you can find out if  you need vaccinations for your specific destination.  You can also call them at their Stone Mountain, GA location at 770-736-7060.

IF I AM ARRIVING IN A COUNTRY A DAY LATER THAN WHEN I LEFT HOME, WHEN SHOULD I MAKE THE INSURANCE EFFECTIVE?
Insurance coverage should start the moment you leave your departure point (which is generally your home). Accidents take place on travel days, on the way to the airport, at the airport, so you want to be sure you are medically insured for those days.

WHAT ARE SOME OF THE WAYS TO STAY SAFE WHEN I TRAVEL TO FOREIGN COUNTRIES?
Basically, one should use common sense and be prepared. You might want to consider the following tips:
Realize that no matter how familiar or comfortable an area might feel, you are not at home and you should therefore remain vigilant.
Know where you are going at all times.
Do your homework by reading guidebooks and studying maps before your trip.
Leave expensive jewelry and expensive-looking jewelry at home.
Do not carry valuables, even in a backpack or locked luggage.
Put valuables in the hotel safe.
Wear a money belt, concealed under your clothing.
Do not flaunt wallets, purses, cell phones or cameras.
Avoid unlit places and walking alone. Stick to well-traveled streets and stay in groups at night.
Be cautious when in a new city – know the safe areas.
Learn the customs of the country you are visiting.
Keep in touch with the current political situations by listening daily to the television or radio, if available.
When in large cities and other popular tourist destinations, generally avoid places frequented by North Americans such as bars, discos, US-owned fast food restaurants, branches of US banks, American churches, US businesses and offices and US consulates and embassies.
Be as inconspicuous in dress and demeanor as possible. Wear moderate colors and conservative clothing. Avoid American logos on your belongings and clothing.
Avoid large, loud groups.
Keep away from political demonstrations, particularly those directed towards the US.
Do not agree to newspaper or other media interviews regarding political conflicts.

 
 
 

 


* THE DOCTOR'S GUIDE TO PROTECTING YOUR HEALTH BEFORE, DURING AND AFTER INTERNATIONAL TRAVEL by W. Robert Lange, M.D., M.P.H., Johns Hopkins Medical Institutions, page 3.

** Ibid, page 63.

 
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TRAVEL PROTECTORS
Phone: 703-443-9055Toll-Free: 877-515-9055
24-hour Travel Emergency Hotline: 01-715-345-0505 (direct or collect)
info@TravelProtectors.com www.TravelProtectors.com
Travel Protectors, LLC
18415 Lanier Island Square Leesburg, VA 20176
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Plan administered through Travel Guard International. Underwriter determined by insured’s state of residency. Travel Insurance underwritten by American Home Assurance Company, with its principal place of business in New York, NY. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19380. Non-insurance services provided by Travel Guard Assist. Coverage may not be available in all states. Insurance is underwritten by Arch Insurance Company, licensed in all states and the District of Columbia, and headquartered in New York. This is a brief coverage description. See Policy for restrictions. Conflicts between this document and the policy will be governed by the policy. Not all coverages are available in all states.