We want to make travel insurance the last thing on your travel checklist to worry about. Here below we have compiled a list of frequently asked questions to answer your questions. Click on the question to see the answer. Have more questions? Contact us so we can help.
1. What are the requisites to purchase an APRIL Travel Protection plan?
Simple. Provide the following information at the time of booking your travel insurance plan via our site, call center, or through our distribution partners:
- Personal information of all travelers, including dates of birth
- Permanent U.S. address for all travelers*
- Trip details, including dates of travel, destination, and total trip costs.
* Clients need to be U.S. residents, with travel itineraries to and from the United States.
2. When should I purchase my APRIL Travel Protection policy?
It is recommended to purchase the travel insurance plan as soon as you make your initial trip deposit. Coverage for pre-existing medical conditions is available in some insurance plans if the plan is purchased within 14 days of making the initial trip payment*. You don’t need to have paid for the trip in full, but you do need to provide your estimated trip cost or current deposit payment amount to provide you the most accurate quote.
* Other requirements apply.
3. Travel Assistance vs Travel Insurance
While both terms are sometimes used interchangeably, Travel Assistance and Travel Insurance provide different types of coverages. The APRIL Travel Protection products combine both travel assistance services in the event of a travel or medical emergency while traveling AND travel insurance protection for the monetary losses incurred during any insurable emergencies.
4. Where can I find the terms and conditions of the Travel Insurance and Travel Assistance?
With every plan purchased, APRIL policyholders will receive a Summary of Benefits, and a Description of Coverage or Policy document, depending on their state of residence. The Summary of Benefits will include high-level information on the coverage included as well as contact information to access all of APRIL’s services. The Description of Coverage or Policy will outline all the requirements, rules, exclusions and standards of the policies as per deemed by our underwriters. Please refer to your plan’s Description of Coverage or Policy to identify the corresponding underwriter of your plan.
Plans are underwritten by one of our two current underwriters: Starr Companies and/or Generali U.S. Branch. Both carriers have A.M. Best financial strength ratings of “A.”
5. I purchased a plan and did not receive the policy documents. What should I do?
Please contact our Customer Service Department with the request and verify that the email on file is correct. The Summary of Benefits, and Description of Coverage or Policy documents are sent to all policyholders electronically within 24 hours of purchasing an APRIL Travel Protection plan.
6. What is the maximum age limit for purchasing an APRIL Travel Protection plan?
There is no maximum age limit to purchase the live APRIL Choice plan. The one requirement is that you must be 18 years or older to purchase it. The APRIL Choice plan can cover children traveling alone. A parent or legal guardian must purchase the plan for the children traveling.
7. You changed your mind about the APRIL Travel Protection plan and want a refund?
Please refer to your APRIL plan’s Description of Coverage or Policy document to verify the corresponding free look period for a premium refund. If you cancel during the free-look period we will refund the cost of the plan so long as you have not left on your Trip or filed a claim. The free look period varies by plan and by state (within 10 or 14 days from purchasing the plan). Premium is nonrefundable after the free look period.
8. Is APRIL’s coverage primary or secondary?
Our coverage is primary for most benefits provided that you and your insured travel companions do not have any other travel-related or medical coverages in place for your trip. For our Generali plans, Medical and Dental benefits are secondary*. However, our Stress Less Benefits are still enabled for the following benefits regardless of whether coverage is primary or secondary when you contact our assistance team:
- Medical and Dental
- Trip Interruption
- Travel Delay
- Missed Connection
- Emergency Assistance and Transportation
* For New York residents, Emergency Medical Benefits (including Dental) are primary.
9. Does APRIL Travel Protection cover pre-existing medical conditions?
Certain APRIL Travel Protection policies provide coverage for pre-existing medical conditions if the plan was purchased within 14 calendar days from making your initial deposit, and other requirements are met. The look back period may be of 90-180 days depending on the APRIL plan purchased. Please refer to your plan’s Description of Coverage or Policy for more information, under the Pre-Existing Condition definition, and also review the General Exclusions section for further details.
10. Are pregnant persons eligible for coverage?
Yes, pregnant persons are eligible for coverage, however losses caused by, or resulting from, normal pregnancy or childbirth are excluded from coverage. Unforeseen complications of pregnancy that first occur while on a covered trip may be covered if the insured is hospitalized. Please refer to your plan’s Description of Coverage for more information.
11. What is the maximum trip length covered by APRIL Travel Protection?
The maximum trip length covered varies by plan. APRIL Single-Trip plans may cover a maximum trip length of 60 days; while the Annual/Multi-Trip plan (offered by Starr Indemnity & Liability company) may cover up to 90 days.
12. Am I covered no matter the emergency issue experienced prior and during the insured trip?
Every plan has its exclusions. Please refer to the Description of Coverage of each plan for more information.
13. Can I modify the APRIL Travel Protection plan after purchase?
Yes, you may modify the trip cost, travel dates and contact information prior to departing on your Trip by sending a written request or contact our Customer Service Department. An additional premium charge may apply for trip costs and travel dates modifications. Simply contact our Customer Service Department.
14. Are accidents that happen while practicing sports covered under the APRIL Travel Protection policies?
Accidents derived from participating in bodily contact sports such as the ones listed below are excluded:
Organized amateur and interscholastic athletic or sports competition or events, mountain climbing, bungee cord jumping, skydiving, parachuting, hang gliding, parasailing, caving. extreme skiing, heli-skiing, skiing outside marked trails, boxing, full contact martial arts, scuba diving below 120 feet (40 meters) or without a dive master, or travel on any air-supported device, other than on a regularly scheduled airline or air charter company.
There may be differences in the above or exceptions based on the plan you purchased. Please see the General Exclusions section in your Description of Coverage or Policy.
15. Who is considered a family member?
“Family Member” means you or your traveling companion’s spouse, child, parent, sibling, grand parent, great-grandparent, grandchild or great-grandchild, step parent, step child, son or daughter-in-law, brother or sister-in-law, aunt or uncle, niece or nephew, legal guardian, or foster child or legal ward.
There may be differences in the above based on the plan you purchased. Please see “Family Member” in the Definitions section of the Description of Coverage or Policy.
16. How do I file a claim for reimbursement?
Its easy! Just call, email or SKYPE us to file a claim.
APRIL’s travel insurance plans also include our exclusive benefit called STRESS LESS BENEFITS for when unexpected events happen. If you are experiencing an issue while traveling and contact our designated assistance line, our emergency assistance teams can coordinate services and even pay the providers directly for certain claim events, STRESS LESS will remove the hassle of filling out claims forms upon your return home to the States for certain covered events.
Stress Less Benefits
When you are traveling, call our designated assistance lines as noted in your plan’s Summary of Benefits when you run into an issue. Our Assistance Teams will coordinate the solution and pay the necessary expenses, for certain covered events, so you avoid the hassle of claims forms when you arrive home. We may pay the provider directly, for certain covered events, so you can continue on with your trip and have no reason to call us when you get home since everything will have been taken care of while away on your trip! Isn’t that STRESS LESS?
Need to file a claim for reimbursement?
The number you should use varies by the plan you have purchased. Please see your Summary of Benefits or follow the instructions below.
- For APRIL Choice Plans purchased after February 1, 2018, please dial: (844) 509-1828
- For APRIL Choice Plans purchased before February 1, 2018 and all other plans, please dial: (855) 277-4587 - Press 4
- For Front Gate Event policyholders purchased before December 29, 2017, please dial: (800) 554-3028
- For Front Gate Event policyholders purchased after December 29, 2017, please dial: (844) 217-2509
17. What should I do if I need assistance?
With APRIL’s exclusive Stress Less Benefits, you can call, Skype or email us 24/7, to resolve any unexpected travel complications. Depending on the nature of your situation, we will coordinate the necessary solution while you are traveling and pay the expenses involved if confirmation of an insurable event has occurred in real-time.
This will prevent the need for you to coordinate complicated logistics outside of the U.S., front your own monies, and go through a claims reimbursement process upon your return.