Time zone differences and travel medical insurance is no laughing matter when it comes to claims. Good Neighbor Insurance has been in business for over 15 years and our licensed agents have heard all kinds of questions from our fabulous guests, our clients. We do get this question, posed below, from time-to-time and want to share the different answers from our travel insurance companies.
Question: I have a question about effective dates on travel medical insurance policies policies.
With time differences, a person can have an effective date of February 12 and it would be February 12 where they are, but still only February 11 in Indianapolis. If they were to call in needing an evacuation or to pre-certify, would they be told they aren’t covered? Or do you take into account the time difference?
Answer from one of our travel medical insurance companies: The time that is used to determine effective and expiration date is Eastern Standard Time.
Answer from another of our travel medical insurance companies: Thank you for the email. The effective and service dates go by where the insured is physically located.
So there you have it. International insurance companies have different rules regarding what time zone is used when dealing with claims. So what should you do about that? Well, we have always told our guests to make sure their effective date starts the day they leave the U.S. and the expiration date to be the date they arrive back in the U.S. This way you will be covered if any medical condition happens the last day of your coverage and you are still overseas.
With that said here are two of our top travel insurance plans that our clients really appreciate.
- Here are the highlights of IMG Outreach Travel Medical:
- Short-term travel medical insurance
- Coverage for individuals and dependents
- Two plan designs – one for U.S. citizens and one for non-U.S. citizens traveling outside their home country
- Maximum Limits from $50,000 to $2 million
- Deductible options from $0 to $2,500
- Available in monthly and daily rates
- Renewable up to 24 months if one month or more are purchased
- Freedom to seek treatment with the hospital or doctor of your choice
- Trip cancellation, travel delay and baggage delay benefits available
- Universal Rx pharmacy discount savings
- 24 hour secure access from anywhere in the world to manage your account at any time
Here is another favorite of ours called HCC Atlas International. Here are some highlights:
- Affordable short-term U.S. coverage for those returning to the U.S.A. and want a policy for 6-12 months
- Choose between $1,000,000 or $2,000,000 maximum benefit
- Choose from among six deductibles including $250, with a maximum of three per family, per year
- The deductible is waived if you need to go to an urgent care center, ($50 co-pay)
- 10-day, no-risk, full money refund cancellation policy
- Effective within 24 hours
Good Neighbor insurance licensed agents at 866-636-9100 / 480-633-9500 are here to serve you during Arizona business hours. Or you may go to our corporate site at https://www.goodmissionaryinsurance.com. If you want you can email us your questions and request at .