Travelex Frequently Asked Questions

Do you have more questions about travel insurance plans, benefits, and upgrades? No problem! Travelex is here to help.


Will travel insurance cover my pre-existing medical conditions?

Your pre-existing medical conditions will be covered by Travelex travel insurance as long as the Pre-existing Medical Condition Exclusion Waiver is in effect. In order to receive a Pre-existing Medical Condition Exclusion Waiver, you must purchase a Travel Select plan within 15 days of your initial trip payment or a Travel America plan within 3 days of your final trip payment. This means if you pay for a trip to Hawaii on the 1st of January, you will have up until the 16th of January to receive a Pre-existing Medical Condition Exclusion Waiver through the Travel Select plan or up to January 4th with Travel America (if the 1st was when you made your final trip payment).

Be sure to read the wording in your policy document concerning Pre-Existing Medical Condition Exclusions and when the waiver can and cannot be used.

If I’m visiting multiple countries, what should I put as my destination?

Normally, your final destination is the state or country where you will be traveling to. For example, if you’re planning a long weekend in Miami, your destination would be ‘Florida’. However, if you plan to visit multiple states or countries on your next trip, you should list your destination as the location you will be spending the most time in. For instance, if you plan a European trip where you will visit France for three days, Germany for four days, and Italy for one week, you would list ‘Italy’ as your destination.

What is primary coverage?

Primary coverage refers to the order in which a travel insurance claim can be filed with your travel insurance provider. Primary plans pay out from the first dollar owed, allowing claims to be filed directly with the travel insurance provider, eliminating the involvement of a traveler’s health insurance company. The biggest benefit of having primary coverage is the speed of reimbursement. With Primary Coverage, you typically receive reimbursement on eligible losses first, before any other collectible policy.

The Travelex plans that include primary coverage with no deductibles are Travel Select, Travel Basic, Flight Insure, and Flight Insure Plus.

What is secondary coverage?

If you have medical expenses while traveling, secondary coverage means you will need to file a claim with your existing insurance provider and then file a claim with your travel insurance provider for reimbursement. The Travel America plan offers secondary coverage. This can be a great supplemental medical expense option to help cover out-of-pocket copays and deductible expenses not covered by your primary medical plan.

Can I cancel my travel insurance policy?

Travelex understands you may wish to change your mind after purchasing a travel insurance policy. If you are not completely satisfied with your policy within the 15 days free look period of purchasing it and you have not yet departed or filed a claim, Travelex will refund your policy cost.

Why should I buy travel insurance?

Trips don’t always go according to plan. And if something unexpected should happen while you’re traveling, travel insurance can provide a much needed safety net. For instance, in the event your flight is cancelled or delayed, you experience a medical emergency, or your baggage is lost during transit, travel insurance can help. Additionally, travel insurance can offer reimbursement for certain incurred travel costs as well as provide 24/7 travel assistance and emergency medical help if needed.

Want to learn more? Check out everything you need to know about Travelex’s comprehensive travel insurance plans and benefits.

When should I buy travel insurance?

It's a good idea to purchase a travel insurance plan as soon as you’ve made the first payment for your trip. The earlier you purchase, the sooner you have coverage to protect your trip. Additionally, dependent on when you purchase your travel insurance policy, you might be eligible for additional coverage benefits.

For example, you may be eligible for the Pre-Existing Medical Condition Exclusion Waiver if you purchase a Travel Select plan within 15 days of your initial trip payment or purchase a Travel America plan within 3 days of your final trip payment.

Purchasing travel insurance ahead of time also provides even more benefits. If you, or a fellow traveler, were to become seriously ill or injured prior to your departure date, having an insurance policy in place for weeks - if not months - in advance could enable you to cancel your trip without losing all of your money spent. Similarly, if inclement weather were to cause severe problems either at your home location or at your travel destination, by having a travel insurance policy in place you could be eligible to receive financial protection in the event you needed to cancel your trip.

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