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Q&A: Selecting AMA Travel Insurance 

By AMA Staff

AMA Travel Insurance offers coverage for many travel risks, for people of a variety of ages. And the advantages of “one and done”—buying travel insurance when you book your travel, rather than later—will put you at ease and allow you to focus on your adventures. 

1. Do you need coverage for your whole vacation or do you just need emergency medical?  

AMA offers packages that include emergency medical, cancellation and interruption, delay, and baggage coverage to protect all aspects of your trip. Or, if you don’t require medical coverage, AMA offers these coverages in a non-medical package or trip cancellation and interruption on its own.  

2. What if you have a chronic condition?  

With AMA Travel Medical Insurance, pre-existing medical conditions may be covered if they meet the definition of stable prior to departure – which is three or six months depending on your age. Should you have a medical condition that is not stable, pre-existing medical condition optional coverage can be purchased, reducing the stable requirement to seven days prior to departure.  

3. What if you are over 65?  

AMA can provide emergency medical coverage to all ages. Should you have a pre-existing condition and it meets the definition of stable, you can purchase coverage for up to 365 days. Be sure to read your policy and ask questions.  

4. Are you covered for activities, like zip-lining or snorkelling on a trip?  

Check which activities are protected in your plan—AMA plans typically cover excursions like scuba diving, snorkeling, ziplining and even bungee jumping. But if you’re going extreme—like parasailing or skydiving, for example, certain exclusions, limitations and restrictions apply. And you’ll want to look into other coverage like Personal Accident Insurance.  

5. What happens if you get hurt on your trip and need medical care?  

Should you need medical care while on your trip, contact AMA Assistance before receiving care. They will verify benefits and direct you to a hospital or other medical provider where direct billing may be available. 

Get a quote for travel insurance coverage and find out more about AMA Travel plans at

AMA Travel Insurance is underwritten by Orion Travel Insurance Company, a CAA Company. Certain exclusions, limitations and restrictions apply. Subject to change without notice.