We don’t sell insurance. We help you understand it, compare options, and buy confidently through our partner. If you ever need to file a claim, we’ll help you organize the paperwork and communicate with the insurer.
What We Do
- •Help selecting international travel insurance plans
- •Guidance on medical and trip cancellation coverage (benefit types, common limits, and trade offs)
- •Claim support assistance if needed (documentation prep and navigation of the process)
Policies are issued and serviced by licensed insurers/marketplaces. Coverage decisions and claim outcomes are made by the insurer, not by Loong Explorer.
Compare & Buy
You can easily compare and purchase travel insurance plans via our partner marketplace:
Compare plans on TravelInsurance.com
Disclosure: We may earn a referral commission if you use this link. This does not affect your price or the plans available to you.
How It Works
- Tell us about your trip (traveler ages, state of residence, trip dates, total prepaid/non refundable costs, destination regions).
- We outline plan types and options (e.g., Trip Cancellation packages, Medical only plans, optional CFAR add-on) and what to consider for your situation.
- You compare and buy through our partner site. We’ll help you review key terms before you purchase and remind you to save policy documents.
What to Consider When Choosing a Plan
- Trip Cancellation & Interruption — Reimburses non refundable costs for covered reasons...
- Travel Medical Expense — Emergency medical care abroad...
- Emergency Medical Evacuation — Transport to an appropriate facility...
- Pre Existing Condition Waiver — Some plans waive exclusions if you buy within a set window...
- Cancel For Any Reason (CFAR) — Optional, adds flexibility to cancel for reasons not otherwise covered...
- Baggage, Delay, Missed Connection — Helps with necessities or extra costs due to delays and lost/delayed luggage.
- Primary vs. Secondary Medical — Primary may pay first without coordinating with other insurers; check plan language.
Tip: Buy soon after your first deposit to maximize eligibility for time-sensitive benefits (like CFAR or a pre-existing condition waiver), if these are important to you.
China Bound Travelers: Practical Notes
- Care standards & payment: Major cities have high quality private clinics/hospitals; many require payment upfront...
- Documentation: Save all receipts, medical notes, delay notices, and communications; they are essential for claims.
- Itineraries: If you change plans, update your trip cost and dates on the policy as required by the insurer.
Claim Support — How We Help
- •Checklist of documents to gather (receipts, medical records, airline delay/cancellation proof, unused ticket confirmations).
- •Guidance on how to submit online/mobile claims with your insurer.
- •Help tracking claim status and understanding follow up requests.
We are not the insurer and cannot approve/deny claims, provide legal advice, or guarantee outcomes.
FAQs
Do I need travel insurance to visit China?
It is not currently required for most U.S. tourists, but it’s strongly recommended to protect non refundable trip costs and cover medical emergencies abroad.
When should I buy?
As early as possible after your first deposit—this can expand eligibility for time sensitive options such as CFAR or pre existing condition waivers.
Will my U.S. health insurance cover me internationally?
Coverage varies widely. Many plans offer limited or no benefits outside the U.S. Verify with your insurer.
What coverage limits should I consider?
Depends on your risk tolerance and destinations. Many travelers look for meaningful medical coverage and robust evacuation limits.
Can you help with claims?
Yes—organizing documents and navigating the process. The insurer makes the final decision.
Get Personalized Guidance
Want help deciding? Contact us for a quick consult, then compare plans here:
Compare plans on TravelInsurance.com
Loong Explorer LLC provides informational support only. Insurance products are offered by licensed insurers and marketplace partners. Always read the full policy certificate before purchasing.