Frequently Asked Questions
Find answers to commonly asked questions about our insurance services. Whether you’re new to insurance or looking for specific policy details, we’ve compiled helpful information to guide you. From understanding coverage options to the claims process, our FAQs are designed to provide clarity and assist you in making informed decisions about your insurance needs. If you have further questions, don’t hesitate to contact our support team.
What does travel insurance cover?
It’s best to purchase travel insurance as soon as you book your trip. This way, you are covered for any potential issues, such as trip cancellation, that may arise before you even depart.
Do I need travel insurance for international trips?
It’s best to purchase travel insurance as soon as you book your trip. This way, you are covered for any potential issues, such as trip cancellation, that may arise before you even depart.
What types of travel insurance plans are available?
It’s best to purchase travel insurance as soon as you book your trip. This way, you are covered for any potential issues, such as trip cancellation, that may arise before you even depart.
When should I buy travel insurance?
It’s best to purchase travel insurance as soon as you book your trip. This way, you are covered for any potential issues, such as trip cancellation, that may arise before you even depart.
Coverage
What are the coverage limits for the Beacon Series plans?
Coverage limits range from $60,000 to $2,000,000 depending on the plan chosen. Age-specific limits apply, such as $50,000 for ages 70-79 and $12,000 for ages 80+.
Does this insurance cover pre-existing conditions?
Coverage for the acute onset of pre-existing conditions is available with specific sub-limits based on the plan, but chronic or ongoing conditions are excluded.
Are COVID-19-related expenses covered?
Yes, up to $100,000 for eligible expenses related to COVID-19, provided symptoms do not manifest before the coverage begins.
Benefits
What emergency medical services are included?
Benefits include emergency medical evacuation, local ambulance transport, and return of mortal remains, among others.
Does the plan offer dental coverage?
Yes, there is coverage for dental injuries due to accidents and acute onset of dental pain, subject to sub-limits.
What is the coverage for trip interruptions or delays?
Trip interruption benefits include up to $10,000 per coverage period, and trip delay benefits include $100 per day for up to two days.
Eligibility and Enrollment
Who is eligible for the Beacon Series plans?
Coverage is available to non-U.S. citizens traveling outside their home country and U.S. citizens traveling internationally. Specific plans exclude U.S. citizens residing in the U.S.
When does coverage begin?
Coverage starts on the later of the application approval date, the premium payment date, or the departure date from the home country.
How long does coverage last?
Policies can be issued for up to 364 days, with extensions available up to a maximum of 728 days under certain conditions.
Claims and Pre-notification
How do I file a claim?
Complete a Claim Form and submit it with supporting documents like itemized bills and receipts via mail, email, or fax to Azimuth Risk Solutions.
What is pre-notification, and when is it required?
Pre-notification involves obtaining approval for certain treatments, such as surgeries or hospital stays. Failure to pre-notify may reduce benefits by 50%.
What if there’s an emergency?
Emergency pre-notification must be completed within 48 hours of hospitalization or as soon as possible.
What happens in an emergency?
Contact Azimuth’s 24/7 support line for assistance with hospital admissions, evacuations, and other emergencies.
Cancellations and Refunds
Can I cancel my policy?
Yes, cancellations must be requested in writing. Full refunds are available before the effective date, while partial refunds are subject to a $25 fee after the policy start date.
When will my coverage terminate?
Coverage ends on the last day for which premium has been paid, the return to the home country, or the termination of the Master Policy.
Special Provisions
What happens if I am denied entry to the U.S.?
The plan offers up to $500 for travel expenses on a valid B-2 visa if entry to the U.S. is denied.
What are the benefits for children or dependents?
The plan includes return of minor dependent children up to $50,000 and reduced limits for accidental death and dismemberment for minors.
Is there coverage for political evacuations or natural disasters?
Yes, political evacuation benefits are up to $100,000, and natural disaster relocation accommodations are covered up to $500 per day for up to five days.
Coverage
What medical expenses are covered?
Eligible expenses include hospital stays, surgeries, diagnostic tests, prescription medications, emergency medical evacuations, and more.
Does this plan cover pre-existing conditions?
Coverage for pre-existing conditions is limited to specific sub-limits after 728 days of continuous coverage.
Are COVID-19-related expenses covered?
Yes, eligible medical expenses related to COVID-19 are covered if contracted after the policy’s effective date.
Does the plan include dental coverage?
Emergency dental treatments are covered up to $500 per coverage period. Optional dental riders are also available.
Does the plan cover emergency medical evacuations?
Yes, up to $30,000 per coverage period, pre-certified by Azimuth Risk Solutions.
Benefits
Does the plan cover medical evacuation?
Yes, emergency medical evacuations are covered up to $50,000, or $25,000 for members aged 65 and older.
What mental health benefits are included?
Coverage includes outpatient treatment for mental and nervous disorders, subject to sub-limits and waiting periods.
Are wellness visits covered?
Yes, wellness visits are covered after 180 days of continuous coverage, with limits of $250 for adults and $175 for children.
Eligibility and Enrollment
Who is eligible for the Meridian Series Essential Plan?
Non-U.S. citizens traveling abroad and U.S. citizens residing outside the U.S. for at least 180 days annually. Age limits apply.
How do I enroll?
Complete an application form, pay the required premium, and receive written approval from Azimuth Risk Solutions.
What is the minimum age for coverage?
Coverage is available for individuals 14 days old and older, up to 75 years.
Claims and Pre-notification
How do I file a claim?
Submit a completed claim form along with itemized bills and receipts via email, fax, or mail to Azimuth Risk Solutions.
Is pre-notification required for certain treatments?
Yes, pre-notification is required for inpatient treatments, surgeries, durable medical equipment, and other specified services.
What happens if I don’t pre-notify?
Failure to pre-notify may result in a 50% reduction in eligible expenses.
Cancellation and Refunds
Can I cancel my policy?
Yes, cancellations must be requested in writing. Full refunds are available before the policy’s effective date; partial refunds may be available afterward.
What happens if my policy lapses?
Coverage may be reinstated upon submitting a reinstatement application and paying a fee, subject to approval.
What happens if I am dissatisfied with the plan?
Members can cancel the plan within the first 7 days for a full refund of paid premiums.
Additional Features
Does the plan include coverage for sports or diving activities?
Recreational underwater activities are covered if conducted safely and within specified guidelines.
What is the coinsurance requirement?
For claims within the U.S. or Canada, the plan covers 80% of eligible expenses after the deductible for the first $5,000, then 100% up to the maximum limit. Claims outside these areas are covered at 100%.
Coverage
What if I need emergency medical evacuation?
The plan covers emergency medical evacuation up to $250,000, ensuring access to care regardless of your location.
Does the plan include dental coverage?
Yes, it covers dental treatment for injuries to sound, natural teeth, up to specified limits.
Claims and Pre-notification
How are claims processed?
Claims are processed directly with the provider or reimbursed upon submission of necessary documentation.
What happens in a medical emergency?
Contact Azimuth’s 24/7 assistance line for pre-certification and coordination of care, including hospital admissions and evacuations.
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