Here are some of the most frequent questions presented by our customers.

Q. When is coverage effective?
A. As soon as your application is submitted to 1TI with valid payment information. We accept all major credit cards, money orders, personal checks, and cash. There's no waiting period . We recommend a credit card order if your trip is immediate so that we can start processing your request as soon as possible.

Q. Doesn't my credit card provide flight accident coverage?
A. Yes, many do but be sure and read the fine print. Most have very low aggregate coverage amounts. We can think of one major credit card used by a majority of travelers that limits "per incident" aggregate amounts terrifically. Benefit limits are shared by all passengers that used that credit card. If the aggregate limit is $1,000,000 and 200 passengers used that card company for purchasing their tickets, each would be entitled to a $5,000 benefit.

Q. What happens to my Medicare coverage if I leave the country?
A. Check your supplemental coverage policy. A few provide coverage outside of the U.S. 

Q. Will I receive a confirmation of my purchase?
A. Yes, a confirmation will be created on the web site for you (including important phone numbers) and a hard copy will be mailed within 48 to 72 hours. We can also fax your confirmation. If you are leaving immediately, you can call our customer service center for your policy number. You can access policy coverage immediately.                                         

Q. Will I need medical coverage for my visa application?
A. Some countries are requiring both medical coverage and repatriation (return of remains). Check before you order coverage for your international destinations where a visa is required. We recommend that anyone leaving the country obtain a medical policy for coverage abroad. We can assist you.

Q. What is the Multi-Trip Plan?
A. It is a convenient and economical way to purchase coverage for a year at a time. Our programs cover trips over 120 miles from your home with a duration less than 90 days. You can travel by car, boat, plane, etc. It is a perfect product for the frequent business or leisure traveler.

Q. Which policy is most popular?
A. We sell through a myriad of distribution channels including the internet, travel agencies, retail travel service companies, and at airports throughout North America. Each customer has unique needs and we strive to accommodate every one, individually. We sell thousands of the per trip policies every month.

Q. You mention rental car coverage. What's the catch?
A. Our rental car coverage is among the most comprehensive and most inexpensive coverage you can get. Our coverage is primary which indicates that it pays first and eliminates the need to seek payment from anyone else. Secondary coverage pays after you have exhausted every other avenue for collection and might leave you with a large deductible or copay and force you to report any claims to your auto insurer. Ask the rental agency which type they offer...

Submit your question to us at Insurance Sales for an immediate answer. We'd love to hear from you!