Update to our New Cancellation Policy

Travel Health Care Insurance

PLEASE NOTE OUR NEW TRIP CANCELLATION POLICY STATED ON THE HOME PAGE. All GES clients are now required to purchase comprehensive trip cancellation insurance. You may download a pdf copy of the document by clicking on the homepage link.

Why do we require comprehensive polices? Leaving your home country for any length of time exposes you to the exciting challenge of international living. The last thing you need to feel during your stay abroad is any uncertainty in the quality of your medical coverage. Reasons for Purchasing International Health Insurance:

• Your plan doesn’t provide enough coverage
• HMO and PPO plans may impose severe out-of-network penalties for treatment received in another country Medicare generally does not cover any claims incurred outside the United States.
• Medicare generally does not cover any claims incurred outside the United States.
• National health plans of most countries will not pay claims incurred in the United States.

Questions to aks about your agent regarding your plan should include:

• What is the deductible and how is it paid?
• What is the co-insurance/out-of-pocket expense limit?
• Does the policy cover emergency evacuation?
• Are there any restrictions on doctors and hospitals?
• Are pre-existing conditions covered?
• What are the medical exemptions to the policy?
• Is pre-certification necessary?
• What is the penalty for not pre-certifying?
• Who is the underwriter of the policy?
• What is their rating?