Travel health insurance plans will only provide medical benefits during your travels. On the application, you will be asked to identify the dates of departure and return. If your application for travel health insurance is approved, the travel health insurance will only be effective between those dates.

Travel health insurance only offers coverage for base medical services related to unexpected illness and accidental injuries. Travel health insurance plans may not be used for routine medical exams, preventive care and immunizations, treatment of pre-existing conditions, drug or overdose treatments, maternity treatment or other expenses that are not considered medically necessary. To that end, travel health insurance plans should never be purchased to provide coverage for any existing medical conditions and should only be considered for unexpected medical emergencies that occur while traveling.