Essential insights on travel insurance coverage for pre-existing medical conditions

Essential insights on travel insurance coverage for pre-existing medical conditions

Simplifying Travel Insurance Jargon: Pre-Existing Medical Conditions

Navigating travel insurance jargon can be complex, but we're here to make it easier for you. As you prepare for your next adventure, understanding pre-existing medical conditions and how they affect your coverage is crucial.

The Significance of Pre-Existing Condition Coverage

Travel often brings the unexpected, and for those with pre-existing conditions, having appropriate insurance coverage is paramount. In the event of a medical emergency, a European medical evacuation could cost between $65,000 and $90,000, depending on the circumstances. Treatment abroad may not be covered by your health insurance, leaving you financially vulnerable.

Pre-existing condition coverage provides peace of mind, shielding you from potential financial risks if complications arise during your trip.

Defining Pre-Existing Conditions

A pre-existing condition refers to any illness, disease, or medical condition that required treatment, prescriptions, or medical examinations within 180 days before purchasing your travel insurance policy. This could mean:

1. You have been advised to undergo a test, examination, or treatment for a condition that has manifested, worsened, or shown symptoms that would prompt a reasonable person to seek medical care.
2. You have received a prescription for medication. (Note: Conditions managed solely through prescription drugs that remain stable without changes in dosage or frequency during the 180-day period prior to coverage are not considered pre-existing conditions.)
3. Your prescribed medication was adjusted-either reduced, increased, or replaced-due to the worsening of the condition being treated.

Coverage for Pre-Existing Medical Conditions

If you have a pre-existing medical condition, our website can help safeguard your travel plans through its pre-existing conditions waiver. This waiver removes the typical exclusion for pre-existing conditions if you meet the following criteria:

• You purchase your policy within 14 days of your initial trip deposit.
• You are medically able to travel when you buy your policy.

(Did you know? Our website plans may also cover pregnancy-related complications while traveling.)

Pre-Existing Medical Conditions Waiver Explanation

Pre-existing conditions are typically excluded from most travel insurance plans, including our website's. However, this exclusion can be waived if you meet the above requirements.

The best part? There's no age restriction or additional cost for this waiver-it's automatically included in your policy if you qualify.

Filing a Claim for Pre-Existing Medical Conditions

Filing a claim for a pre-existing condition is straightforward:

1. Gather your documents:
2. Proof of trip (e.g., flight itineraries, hotel confirmations).
3. Physician documentation explaining the condition that required cancellation or interruption.
4. Proof that you qualify for the pre-existing conditions waiver.
5. Log in to the website app:
6. Navigate to the 'File a claim' section.
7. Submit your claim:
8. Upload your documents and add any relevant details as prompted.
9. Track your claim in real-time:
10. You'll receive updates directly in the app, keeping you informed throughout the process.

Learn more about how to file a claim with our website here.

Travel Protection that Stands the Test of Time

From takeoff to landing, and every moment in between, we are by your side. With 24/7 support, we're here to help you find a doctor, locate the nearest pharmacy, and handle unexpected challenges.

Make your trip memorable-for all the right reasons.

Protect my trip

1. Understanding pre-existing medical conditions and their impact on travel insurance coverage is essential when preparing for a trip.
2. A European medical evacuation during a travel could cost between $65,000 and $90,000, and may not be covered by your regular health insurance.
3. Pre-existing condition coverage offers peace of mind by shielding you from financial risks arising from complications during your trip.
4. A pre-existing condition refers to any illness, disease, or medical condition that required treatment, prescriptions, or medical examinations within 180 days before purchasing travel insurance.
5. If you have a pre-existing medical condition and meet certain criteria, our website offers a pre-existing conditions waiver to safeguard your travel plans.
6. For the pre-existing conditions waiver to be applied, you must purchase the policy within 14 days of your initial trip deposit and be medically able to travel when you buy the policy.
7. In case of a medical emergency or cancellation due to a pre-existing condition, filing a claim requires gathering relevant documents, logging into the website app, navigating to the 'File a claim' section, submitting the claim with the uploaded documents, and tracking the claim in real-time.

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