Usually not for normal trips. Plans to go to some dangerous places can lead to more questions, a higher price or a no.
Insurers ask about future travel. One sample application on file with the SEC asks if you plan to travel outside the US or Canada in the next 2 years. Short trips of 2 weeks or less do not count.
If you say yes, you may fill out an extra travel form. It asks where you are going and for how long.
Some states protect travelers. Florida bars insurers from turning you down or cutting coverage just because of past legal travel.
In Florida, insurers can only use future travel plans if they show it is a real added risk and the state approves. Florida has let insurers say no to people planning trips to Afghanistan or Iraq.
Moving abroad is different from a trip. Florida's rule says living abroad for more than 180 days in a row is not travel. Ask before you move.
- Where you plan to go
- How long you will stay
- Why you are going, like work or family
- Whether you plan to move abroad
More questions
Does a vacation to Mexico or Europe matter?
Usually not. Normal trips rarely change your price. Answer the travel questions honestly.
Will my policy still pay if I die overseas?
Read your policy and look for any travel exclusion before you go. Ask the insurer if you are not sure.
What if I think travel got me denied?
Ask the insurer for the reason in writing. Then call your state insurance department.
