I think it is definitely worth reading the policy, carefully. The isssue of preexisting medical conditions, and the timing of payment of maintenance fees and purchase of insurance, is interesting.
Going back to the original post, the MVC Owner Services Representative's representation of coverage, the actual policy, and the representation made by the MVC Owner Services Representative, don't seem to line up. In my opinion, this is another reason why licensed insurance agents/brokers should be selling insurance, and not the likes of MVC Owner Services Representatives. The OP said that the MVC Owners Services Repreentative told him/her that if you break your foot, and go to the ER, that the medical facility would bill TravelEx. First, that strikes me as hospital dependent, and only a hospital will determine who they are willing to bill, or not bill. Second, if you read the provisions of the policy carefully, you'll see that it says that TravelEx will advance payment to a hospital, "if the Insured requires admission to a hospital." Granted, there are some foot and ankle injuries that could potentially require "admission to a hospital," but, I suspect they are few and far between, and that most "acute" foot and ankle injuries are treated on an outpatient basis (hence, no hospital admission). So, in fact, my read of the policy is that the Insurer WOULD NOT arrange advance payment for an injury that is treated in the ER, and that does not require admission to a hospital.
I am not an Insurance Agent, nor an expert in insurance, but, my take of all of the above is that I'd be very cautious of any representations made by anyone other than a licensed inszurance agent/broker.
ACCIDENT SICKNESS MEDICAL EXPENSE BENEFIT
If, while on a Trip, an Insured suffers an Injury or Sickness that requires him or
her to be treated by a Physician, the Company will pay a benefit for Reasonable
and Customary Charges, up to the Maximum Limit shown in the Schedule. The
Company will reimburse the Insured for Medically Necessary Covered Expenses
incurred to treat such Injury or Sickness during the course of the Trip or the
onset of the Sickness provided the initial documented treatment was received
from a Physician during the Trip. The Injury must first occur or the Sickness
must first begin while on a Trip, while covered under this Policy. Pre-existing
medical conditions will be covered if the Pre-existing Medical Condition Waiver
is in effect.
Covered Expenses:
The Company will reimburse the Insured for:
• services of a Physician or registered nurse (R.N.);
• Hospital charges;
• Hospital ancillary services (including, but not limited to, use of the
operating room or emergency room);
• use of an Ambulatory Medical Center;
• X-rays;
• local ambulance services to or from a Hospital;
• artificial limbs, artificial eyes, artificial teeth, or other prosthetic devices;
• rental of durable medical equipment (such as a wheelchair or a Hospital
bed);
• anesthetics (including administration), treatments, transfusions and
laboratory tests ordered by the attending Physician;
• blood, blood products and artificial blood products, and the transfusion
thereof;
• medicines or drugs administered by a Physician or that can be obtained
only with a Physician’s written prescription;
• the cost of emergency dental treatment only during a Trip.
Advance Payment: If an Insured requires admission to a Hospital, the Travel
Insurance Administrator will arrange advance payment, if required. Hospital
confinement must be certified as Medically Necessary by the onsite attending
Physician.
