Travel Questions About Insurance

While both terms are sometimes used interchangeably, Travel Assistance and Travel Insurance provide different types of coverages. The Aegis Insurance products combine both travel assistance services in the event of a travel or medical emergency while traveling AND travel insurance protection for the monetary losses incurred during any insurable emergencies.

Simple. Provide the following information at the time of booking your travel insurance plan via our site, call center, or through our distribution partners:

• Personal information of all travelers, including dates of birth
• Permanent U.S. address for all travelers*
• Trip details, including dates of travel, destination, and total trip costs.

* Clients need to be U.S. residents, with travel itineraries to and from the United States.

One of the travel questions about insurance that always comes up is when to purchase a policy. It is recommended to purchase the travel insurance plan as soon as you make your initial trip deposit. Coverage for pre-existing medical conditions is available in some insurance plans if the plan is purchased within 14 days of making the initial trip payment*. Other common travel questions ask if you need to pay in full. You don’t need to have paid for the trip in full, but you do need to provide your estimated trip cost or current deposit payment amount to provide you the most accurate quote.

* Other requirements apply.

Please contact our Customer Service Department with the request and verify that the email on file is correct. The Summary of Benefits, and Description of Coverage or Policy documents are sent to all policyholders electronically within 24 hours of purchasing an GoReady Insurance plan. Our Customer Service Department can also answer other travel questions about insurance policies and coverages.

If you have travel questions about canceling a policy, please refer to your Aegis's plan’s Description of Coverage or Policy document to verify the corresponding free look period for a premium refund. If you cancel during the free-look period we will refund the cost of the plan so long as you have not left on your Trip or filed a claim. The free look period varies by plan and by state (within 10 or 14 days from purchasing the plan). Premium is nonrefundable after the free look period.

Yes, you may modify the trip cost, travel dates and contact information prior to departing on your Trip by sending a written request or contact our Customer Service Department. An additional premium charge may apply for trip costs and travel dates modifications. Our Customer Service Department can answer other travel questions about modifying an insurance policy.

Travel questions about insurance often concern finding the terms and conditions. With every plan purchased, Aegis's policyholders will receive a Summary of Benefits, and a Description of Coverage or Policy document, depending on their state of residence. The Summary of Benefits will include high-level information on the coverage included as well as contact information to access all of Aegis's services. The Description of Coverage or Policy will outline all the requirements, rules, exclusions and standards of the policies as per deemed by our underwriters. For travel questions about insurance policy terms and conditions, please refer to your plan’s Description of Coverage or Policy to identify the corresponding underwriter of your plan.

Plans are underwritten by one of our two current underwriters: Starr Companies and/or Zurich American Insurance company. Both carriers have A.M. Best financial strength ratings of “A.”

Our coverage is primary for most benefits provided that you and your insured travel companions do not have any other travel-related or medical coverages in place for your trip. For our Zurich plans, Medical and Dental benefits are secondary*. However, our Stress Less Benefits are still enabled for the following benefits regardless of whether coverage is primary or secondary when you contact our assistance team: 

• Medical and Dental
• Trip Interruption
• Travel Delay
• Missed Connection
• Emergency Assistance and Transportation

* For New York residents, Emergency Medical Benefits (including Dental) are primary.

The maximum trip length covered varies by plan. GoReady Single-Trip plans may cover a maximum trip length of 60 days; while the Annual/Multi-Trip plan (offered by Starr Indemnity & Liability company) may cover up to 90 days.

Travel questions about age limits on insurance policies are common. There is no maximum age limit to purchase the live Go Ready Choice plan. The one requirement is that you must be 18 years or older to purchase it. The Go Ready Choice plan can cover children traveling alone. A parent or legal guardian must purchase the plan for the children traveling.

Travel questions about pre-existing conditions are common. Certain Aegis Insurance policies provide coverage for pre-existing medical conditions if the plan was purchased within 14 calendar days from making your initial deposit, and other requirements are met. The look back period may be of 90-180 days depending on the Aegis plan purchased. Please refer to your plan’s Description of Coverage or Policy for more information, under the Pre-Existing Condition definition, and also review the General Exclusions section for further details.

Yes, pregnant persons are eligible for coverage, however losses caused by, or resulting from, normal pregnancy or childbirth are excluded from coverage. Unforeseen complications of pregnancy that first occur while on a covered trip may be covered if the insured is hospitalized. Please refer to your plan’s Description of Coverage for more information about your travel insurance questions.

“Family Member” means you or your traveling companion’s spouse, child, parent, sibling, grand parent, great-grandparent, grandchild or great-grandchild, step parent, step child, son or daughter-in-law, brother or sister-in-law, aunt or uncle, niece or nephew, legal guardian, or foster child or legal ward.

There may be differences in the above based on the plan you purchased. For travel questions about covered family members, please see “Family Member” in the Definitions section of the Description of Coverage or Policy.

Every plan has its exclusions. Please refer to the Description of Coverage of each plan for more information about your travel questions.

Accidents derived from participating in bodily contact sports such as the ones listed below are excluded:

Organized amateur and interscholastic athletic or sports competitions or events, mountain climbing, bungee cord jumping, skydiving, parachuting, hang gliding, parasailing, caving. extreme skiing, heli-skiing, skiing outside marked trails, boxing, full contact martial arts, scuba diving below 120 feet (40 meters) or without a divemaster, or travel on any air-supported device, other than on a regularly scheduled airline or air charter company.

There may be differences in the above or exceptions based on the plan you purchased. For travel questions about sporting accidents, please see the General Exclusions section in your Description of Coverage or Policy.

Its easy! Just call, email or SKYPE us to file a claim.

Aegis's travel insurance plans also include our exclusive benefit called STRESS LESS BENEFITS for when unexpected events happen. If you are experiencing an issue while traveling and contact our designated assistance line, our emergency assistance teams can coordinate services and even pay the providers directly for certain claim events, STRESS LESS will remove the hassle of filling out claims forms upon your return home to the States for certain covered events.

Stress Less Benefits

When you are traveling, call our designated assistance lines as noted in your plan’s Summary of Benefits when you run into an issue. Our Assistance Teams will coordinate the solution and pay the necessary expenses, for certain covered events, so you avoid the hassle of claims forms when you arrive home. We may pay the provider directly, for certain covered events, so you can continue on with your trip and have no reason to call us when you get home since everything will have been taken care of while away on your trip! Isn’t that STRESS LESS?  

Need to file a claim for reimbursement?

The number you should use varies by the plan you have purchased. Please see your Summary of Benefits or follow the instructions below.

• For Front Gate Event policyholders, please dial: (844) 217-2509
• All other policyholders, please dial: (844) 509-1828

With Aegis's exclusive Stress Less Benefits, you can call, Skype or email us 24/7, to resolve any unexpected travel complications. Depending on the nature of your situation, we will coordinate the necessary solution while you are traveling and pay the expenses involved if confirmation of an insurable event has occurred in real-time. This will prevent the need for you to coordinate complicated logistics outside of the U.S., front your own monies, and go through a claims reimbursement process upon your return.