Question: Is There Any Home Country Coverage?
Answer: Generally, the Beacon Plan is designed to provide coverage for the time spent outside of your home country. However, when you purchase a Beacon Plan, you “earn” 15 days home country coverage for every 90 days purchase. For example, if I live in Sweden and purchase 6 months of coverage for travel to Italy, I may return home for up to two 15 day trips within my 6 month policy and remain covered, however this travel must take place during each 3 month coverage period and I must again leave my home country and complete my travel each time. If I spend more than the allotted time in my home country, my coverage will automatically terminate and may not be modified. If I purchase 7 months or more of coverage, I may utilize the last 30 days of my plan within my home country. I will not be covered if I use my return home as a basis for receiving medical care.
Question: What does this 180 day Benefit Period mean?
Answer: If you have a covered medical service on the plan, follow up treatment will continue to be covered for that specific condition, even if the plan has terminated, for up to a total of 180 days. The Benefit Period is not in effect during the course of the plan. So, if you have a 270 day plan, gets hurt in the first week of the plan with a covered injury, that covered injury will still be covered for the ensuing 8 months and 3 weeks.
Question: I will be spending nine months in the US and I will be going to be living in the US during that time, but only temporarily, will I be able to purchase the Beacon Plan? What determines living versus traveling?
Answer: Whether or not you are traveling with a valid government issued visa or not is the determining factor upon whether you are traveling or not. If you hold a valid visa, then you would be traveling, as these are time delimited. For those countries which do not require visa issuance, the answer to the question of whether your client still maintains a residence in your home country is the determining factor. If you maintain a primary residence in another country, your are traveling, if not, you would not be eligible for a Beacon Travel Plan.
Question: I have dual US/Venezuelan citizenship living in the US. Would I be covered for a trip back to Venezuela?
Answer: Yes, US citizenship always takes precedence and you would be covered for travel just as any other US citizen traveling outside the US.
Question: I am a non-US citizen, who is living in the US and traveling back to his country of citizenship. Would I be covered?
Yes, you would be covered just as any non-US citizen traveling outside your home country. The only time this is not possible is in the case of a US citizen who lives outside the US and travels back to the US. We would not be able to offer coverage in this case.
Question: Do I need to purchase the Optional Sports Rider?
Answer: If you intend on participation in any sporting activities during your travel, you will definitely want to choose our sports rider. The Optional Sports Rider provides coverage for all sports, with the exception of those engaged in for financial gain or any practice activities that are related to a sporting activity which is related to an activity engaged in for financial gain
Question: Can I add the Optional Sports Rider after the policy is already effective?
Answer: No, you will not be able to change the plan after it has gone into effect. Changes may be made to the plan in advance of the effective date.
Question: I need a letter documenting the fact that I have coverage that is suitable to submit to my local consulate to obtain my visa. How can he get it?
Answer: The electronic fulfillment for the purchase of a Beacon Plan automatically includes a letter documenting travel medical insurance coverage, the chosen deductible, effective date and limits.
Question: For a couple where he’s 72 and she’s 64. I can’t get the quoting system to put them on the same application. What’s wrong?
Answer: Because the overall maximums available for each client are different, they will need to have separate applications submitted. The couple will then both have coverage and their rates will not be affected.
Question: Can the Beacon Plan be canceled?
Answer: Yes, so long as the cancellation occurs in advance of the effective date of coverage, a full refund (less a $25 processing fee) will be returned. If the cancellation is after the effective date, a refund, less $25 processing fee for the unused premium amount will be issued. There must be no claims submitted in order to be eligible for this refund. If the client has been provided a Schengen Visa letter, a communication will be sent to the appropriate embassy or consulate in their area, informing them that the client no longer possesses appropriate insurance coverage.
Question: What is a Schengen Visa?
Answer: Through the Schengen Treaty, a grouping of 14 European countries has joined together to allow entry into all 14 countries provided that the individual qualifies for this single visa. Find out more by visiting www.shengeninfo.com or Azimuth’s website.
Question: Can the premium be paid with a check?
Answer: Certainly, premium can be paid via check, but please know that any extensions to your plan may only be made via credit card. And will not be effective until application and check is received in the office.
Question: What is the maximum time I can be covered on the Beacon Plan?
Answer: If you are a non-US citizen, you will be able to purchase a maximum of 360 days of coverage. If you are are a US citizen, you may extend the Beacon Plan up to a total of 720 days. You may always re-purchase a new Beacon plan, provided they remain eligible, and the deductible and coinsurance will both start anew.
Question: Do I need to have any other insurance to be covered by the Beacon Plan?
Answer: The Beacon Travel plan does not require you to have any other insurance in force.
Question: Can I be covered by other insurance while insured by ARS?
Answer: Yes, as long as you meet the eligibility requirements. ARS will be secondary to all other insurance.