Generally, a Pre-Existing Condition is any accidental injury or illness for which medical advice, diagnosis, care or treatment has been recently recommended or received before a policy’s effective date. Tin Leg considers travelers to have a pre-existing condition if there have been any changes to their medical history (like those listed above) within 180 days prior to the date they purchase their policy. If a traveler has had changes to their medical history, these conditions would be excluded from coverage, unless their policy includes coverage for Pre-Existing Conditions. Conditions that are stable during this 180 day period are not considered… Read More
emergency medical
Does travel insurance cover pregnancy?
Generally, travel insurance policies do not provide Trip Cancellation coverage or Emergency Medical coverage for normal pregnancy and childbirth. This is because travel insurance is designed to provide coverage for unforeseen events, and a normal pregnancy is considered a foreseeable event. Both pregnancy and childbirth are excluded under all Tin Leg policies. However, Tin Leg’s Economy, Standard, and Luxury policies all cover complications of pregnancy. Tin Leg defines complications of pregnancy as a condition whose diagnosis is distinct from pregnancy but is adversely affected or caused by pregnancy. For travelers that want the added coverage of cancellation for normal pregnancy,… Read More
Does travel insurance pay upfront?
Across the board, travel insurance policies are generally designed on a reimbursement basis. This means the traveler will first pay out-of-pocket and then file a claim to be reimbursed. In order to receive reimbursement for out-of-pocket expenses, receipts and other documentation may be required. At Tin Leg’s discretion, all, or a portion of benefits, may be paid directly to the provider of the services rendered. This can include direct payment for Emergency Medical or Medical Evacuation benefits. Non-Medical Evacuation transportation is almost always coordinated by the travel insurance provider and therefore can be paid direct up to the maximum benefit… Read More
What does “primary” medical coverage mean?
“Primary” designates the order in which an Emergency Medical claim is filed within a travel insurance policy. A policy with Primary Emergency Medical coverage allows travelers to file a claim for reimbursement directly with their travel insurance provider. If a traveler has any remaining medical expenses after filing a claim with the travel insurance company, they may then file a separate claim with their own health insurance provider. “Secondary” Emergency Medical coverage is the alternative form of medical insurance. This coverage requires that you first claim directly with your own primary health insurance provider before claiming for medical expenses with… Read More