Essential Insights on Travel Insurance Coverage for Preexisting Health Conditions
Navigating Travel Insurance Jargon with Ease
Getting your travel insurance straight isn't always a walk in the park, but fear not! We're here to help break down the confusing bits, like pre-existing medical conditions and their impact on your holiday plans.
The Importance of Pre-existing Conditions Coverage
Unpredictable occurrences are par for the course in travel, and for those with pre-existing health conditions, having the right protection can mean the difference between a great trip and a hefty medical bill. Without adequate coverage, a medical evacuation from Europe might set you back anywhere between $65,000 and $90,000, depending on the situation, and treatment abroad may not be covered by your health insurance.
Pre-existing condition coverage offers a safety net, ensuring you can embark on your adventures confidently, knowing you're shielded from financial risks when complications arise.
Pre-existing Conditions: What's That All About?
A pre-existing condition is any health issue, sickness, or other medical concern that required treatment, medication, or a medical exam within 180 days prior to purchasing your travel insurance policy.
Here's the breakdown:
- You've been advised to take a test, undergo an examination, or seek treatment for a condition that manifested, worsened, or displayed symptoms that a reasonable person would seek medical care for.
- You've received medication for the condition. (Note: Conditions treated exclusively through medication that remain stable without changes in dosage or frequency during the 180-day period prior to coverage are not considered pre-existing conditions.)
- Your prescribed medication has been adjusted due to the condition's worsening, whether it was reduced, increased, or replaced.
Insurance for Pre-existing Medical Conditions
Have a pre-existing medical condition? Our website can help safeguard your trip with our pre-existing conditions waiver. This waiver lifts the typical exclusion for pre-existing conditions if you meet some key criteria:
- You purchase your policy within 14 days of your initial trip deposit.
- You are medically fit to travel when you purchase your policy.
By the way, our website plans may also cover pregnancy complications while traveling— because life's blurred lines don't put your travels on pause!
Pre-existing Medical Conditions Waiver: What Does It Mean?
Typically, pre-existing conditions are excluded from most travel insurance plans, including those offered by our website. However, this exclusion can be waived if you meet the above mentioned criteria.
The cherry on top? There's no age restriction or additional cost for this waiver—it's automatically included in your policy if you qualify.
Making a Claim for Pre-existing Medical Conditions
Filing a claim for a pre-existing condition? No sweat!
- Gather your documents: Proof of your trip (e.g., flight itineraries, hotel confirmations), physician documentation outlining the condition that required trip cancellation or interruption, and proof that you qualify for the pre-existing conditions waiver.
- Login to the our website app: Navigate to the 'File a claim' section.
- Submit your claim: Upload your documents and add any relevant details as prompted.
- Track your claim in real time: You'll get updates directly in the our website app, keeping you in the loop.
Get a clearer picture of the claims process with our website here.
Safeguard Your Journey with our Website
From takeoff to touch-down—and every moment in between—our website is your trusted companion. With 24/7 support, you can find a doctor, locate the nearest pharmacy, and tackle the unexpected challenges that life throws your way.
Make this voyage unforgettable—for all the good reasons.
Secure My Trip
- A pre-existing health condition may significantly impact your travel plans, as medical evacuation from Europe might cost between $65,000 and $90,000, unless covered by travel insurance.
- Pre-existing conditions are health issues, sicknesses, or medical concerns that required treatment, medication, or a medical exam within 180 days prior to purchasing travel insurance.
- Our website offers a pre-existing conditions waiver that lifts the usual exclusion for pre-existing conditions if you purchase your policy within 14 days of your initial trip deposit and are medically fit to travel when you do so.
- To make a claim for a pre-existing medical condition, you need to gather necessary documents, such as proof of your trip, physician documentation, and proof that you qualify for the pre-existing conditions waiver, then submit them through our website app.
