You have up to 30 days to renew your current active GeoBlue Navigator policy. This works just like renewing your car insurance or paying for your U.S. health cover here in the U.S. You have up to the end of the month to pay/send in the renewal and pay.
Please keep in mind that it takes about one week for the policy renewal to be completed, once in our office or the insurance company’s office. Also please keep in mind that if you have not heard from either us or the insurance in under 48 business hours from the time you sent your renewal (via email or fax) then we have not received it. We always respond with a “thank you” email that we have received your renewal form and will be processing it pronto.
2. No, your policy is not active if you have not sent in your renewal form in and has been processed prior to 12-1-2013. The insurance company as well as Good Neighbor Insurance emails you your renewal policy between 45-60 days prior to your renewal date.
This works just like insurance in the U.S, such as car insurance or even health insurance. In fact, for U.S. health insurance cover, on the 11th of the month if the payment is not in the health insurance office the "on" light for active health coverage is turned "off." Thus, if a medical office on the 11th of the month calls into the insurance company to verify coverage the insurance company will say they are not covered. The policyholder has up to the end of that month to pay or the policy will be cancelled. However, technically, the policy is not active unless that monthly premium has been paid.
Sending in the renewal form allows the insurance company to debit for the stated amount for that month. Thus, no payment on December 1st onwards means your policy is not active.