Thinking About Getting Travel Insurance but are Totally Intimidated by All the Dry Terms?

NEW YORK, March 18 /PRNewswire/ — Pre-existing conditions, primary medical coverage, secondary medical coverage, and initial trip deposit – “What do they all mean?” Sounds familiar? Relax. Soon after reading this your only worry will be planning your next vacation.

Now let’s take a look at what each term signifies. A pre-existing medical condition is any medical sickness you’ve been suffering from prior to your travel. For example, if you or your traveling companion(s) have been suffering from diabetes or are wearing a pacemaker, this would mean you have a pre- existing medical condition.

Pre-existing medical conditions are covered by any one of our “Total Travel Protection” plans as long as you purchase travel insurance within a certain time frame of when you book your trip. Some companies allow up to 21 days from your initial trip deposit. Remember that “initial trip deposit” is either a) the first time you put a deposit down or b) when you paid for your trip in full.

“If you’re like me, the only time I remember to get travel insurance is as I’m packing, usually less than a week from my departure,” said Alex Velinov, President of Total Travel Insurance. “Last-minute purchase of insurance will still cover you for emergency medical but not for any emergencies related to your pre-existing medical conditions.”

Primary coverage always covers you from the first dollar up. On the other hand, plans that offer secondary medical coverage will save you money, but only cover you after your own private health insurance paid most of the medical bill. Be sure to find out if your insurance will cover you where you will be traveling to. Typically, when traveling abroad you are outside of your network and often are not covered. Don’t have any insurance that will cover you when you’re traveling the world? Then primary insurance is your only option.

When searching for a basic plan that will cover usual trip concerns like trip cancellation, interruption, lost luggage, trip delay or missed connection, your best bet is to get a “Total Travel Protection” plan, which will cover it all. You even get a fair amount of life and accidental death and dismemberment insurance in case of the God-forbid unforeseeable. These days you can buy a policy for a pretty good price. Premium is calculated based on your age and the cost of the trip that you would like to insure. If you are over 60 years old, expect to pay a higher premium price than, let’s say, your daughter and her fiance.

Insurance can get very confusing, especially if you are new to it or have a unique situation at hand.

( is a unique website that offers you the opportunity to research different travel insurance companies, products and coverages. You can complete a quote and see prices and coverages side-by-side.

Kara Cayman, who is Customer Service Manager at Total Travel Insurance, says, “Our website is really easy to use. The advantage you get from this site is the vast choice in finding an ideal plan for your vacation. Not only do we allow travelers to compare the most plans from all major travel insurance companies, but we also specialize in helping each traveler with their own unique traveling situation. Travelers are welcome to call up or email with any questions they may have prior to purchase.”

Still have questions? Customers can email their inquiries to or just phone in; a knowledgeable and friendly staff member is always on standby waiting to help you.

About Total Travel Insurance

Total Travel Insurance is a New York-based travel insurance agency. We are licensed to sell travel insurance, flight accident, life insurance and health insurance products. Please visit our web site at

Related Articles

What You Didn’t Know About Hurricanes and Travel Insurance, Part 2

ST. PETE BEACH, Fla., Sept. 26 /PRNewswire/ — All the hurricane activity recently has raised many questions about how travel insurance works in the event a hurricane forces you to cancel or cut short your trip. A little-known clause in most travel insurance policies could really make a difference.

Most travelers assume they are covered in the event of a mandatory evacuation. While this is true of some policies, you may be surprised to find that this coverage is not provided for most of the products on the market.

Unfortunately, the term “mandatory evacuation” is not mentioned in most insurance policy certificates. Where it is listed, it relates to non-weather evacuation. You should instead look for the following terms:

1) Complete cessation of your Common Carrier services for 24 hours

2) Complete cessation of your travel supplier services for 24 hours

3) Accommodation at destination rendered uninhabitable

1) Complete cessation of your Common Carrier usually means the airport
has to be closed for a certain number of hours in order for a claim
to be valid. If your accommodation is under a mandatory evacuation
order and the airport stays open you cannot make a claim. Also note
the word “your” in this term. If you are driving or have not used
an airline then you may not be covered because you do not have a
Common Carrier that has ceased services.

2) Complete cessation of travel supplier is the term to look for. This
usually means the hotel, condo or other accommodation has to be
unavailable for a certain number of hours in order to claim. In
this instance, you would be able to claim for a mandatory evacuation
because your travel supplier can no longer provide you with
accommodation. However, this coverage is only available if the
accommodation is provided by a company licensed to provide that
service, which most hotels or property managers would be. If you
are staying in a friend’s property then you will not be able to make
a claim here either.

3) Accommodation being rendered uninhabitable means your hotel, condo,
etc. either flooded or was damaged so much you cannot continue to
stay there. We assume you will have been evacuated long before this
happens anyway, so in most cases, you will be back to points 1 and

One insurance agent ( breaks down the hurricane coverage as a separate element detailing whether mandatory evacuation is covered – without the need to wade through pages of policy certificates.

Chris Harvey, president of, says, “We are based in St. Pete Beach in Tampa Bay, Florida, so we are acutely aware of the issues surrounding the potential cancellation or disruption of your vacation from hurricanes.” is a website that specializes in comparing all the major travel insurance plans. The site has unique research capabilities as well as provides instant quotes, coverage and immediate purchase confirmation.

For more information, visit or .

For Travel Insurance Click Here:

Related Articles