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Frequently Asked Questions (FAQs)
We're Here to Assist You!

If this is your first experience buying ExactCare, we've compiled a list of Frequently Asked Questions to help you make your decision. Please read them over and see if your question is answered. If not, we invite you to contact us so that we may offer further assistance.
 
ExactCare
  • Can I get ExactCare even if I’m not going on a cruise or a tour?

  • What do you consider to be a pre-existing medical condition and how does that affect my coverage

  • How does your medical coverage work?

  • How does trip cancellation and interruption coverage work?

  • What if my tour operator goes belly-up halfway across the Gobi Desert?

  • Can I get ExactCare even if I’m not going on a cruise or a tour?

    If you’re really asking if you can buy ExactCare to cover a trip that isn’t an organized tour or cruise, the answer is yes.




    What do you consider to be a pre-existing medical condition and how does that affect my coverage

    If you’re being treated by a doctor for a medical condition before you buy your insurance, that’s considered a pre-existing condition. In most states, it's covered if you purchase your policy within 15 days of your first trip payment. One more thing: To qualify for pre-existing-condition coverage, all the covered travelers have to be medically able to travel when they buy ExactCare, and the entire trip cost has to be insured.




    How does your medical coverage work?

    It depends on how quickly you buy ExactCare. In most states, if you buy ExactCare within 15 days of your first trip payment, our medical coverage is primary. That means we pay on the covered part of your medical bills first. If you purchase after the 15 day window, the coverage is secondary, meaning your other health insurance pays first. Your policy documents will give you the specifics on how medical coverage is handled in your state




    How does trip cancellation and interruption coverage work?

    There are lots of things that could trigger the trip cancellation/interruption clause in your coverage, but basically they boil down to natural disasters, sickness or injury, crimes, or work-related reasons. If you, a family member or a traveling companion encounter any of these during your trip (or back home while you’re traveling) and you’re forced to cancel or interrupt your trip, there’s a good chance your ExactCare trip cancellation/interruption coverage would be triggered.




    What if my tour operator goes belly-up halfway across the Gobi Desert?

    We have you covered. Going belly-up in the Gobi would trigger your trip cancellation coverage, and we’d do whatever it takes to get you out of Ulan Bator and back home ASAP. You could call us at 1-844-411-BHTP, email assist@bhtp.com, text us at 40594, or tweet us @BHTPAssist








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