Essential information on how pre-existing medical conditions impact travel insurance coverage
Protect Your Travel with Pre-Existing Conditions Waiver
Traveling with a pre-existing medical condition can bring uncertainty, but having the right travel insurance can provide peace of mind. Our website offers a pre-existing conditions waiver, an add-on that ensures financial protection in case of complications.
A pre-existing condition refers to any illness, disease, or other medical condition that required treatment, prescriptions, or medical examinations within 180 days prior to purchasing travel insurance. With this waiver, you can cover your pre-existing health issues if you meet certain criteria.
To qualify for a pre-existing conditions waiver, you generally need to:
- Purchase the waiver within a limited time period after your initial trip deposit. This period, often called the Time Sensitive Period, can vary but is usually between 14 to 21 days. Buying early is important because waiting too long can disqualify you.
- Have a stable medical condition prior to buying the insurance. This means no recent changes in your health status, no medication changes, or hospitalizations related to the condition within a defined recent timeframe, often 180 days to 1 year.
- Provide truthful disclosure of your medical history when obtaining the policy.
- Sometimes undergo a medical questionnaire or screening.
For instance, Travel Insured International’s FlexiPAX plan offers a generous 21-day window after booking to qualify for their pre-existing conditions waiver, providing up to $100,000 in medical coverage for related incidents. Other insurers, like AIG Travel Guard, may offer a similar waiver as an add-on purchased shortly after trip booking.
Our website's travel insurance plans are designed to cover you from takeoff to landing and every moment in between. They also include a pre-existing conditions waiver with no age restriction or extra cost if the policy buyer qualifies.
In case of a medical emergency, our website offers 24/7 support for finding a doctor, locating the nearest pharmacy, and handling unexpected challenges during travel. Updates on your claim can be tracked in real time through our website app.
It's essential to remember that treatment abroad may not be covered by your health insurance. A medical evacuation from Europe, for example, could cost between $65,000 and $90,000. Our travel insurance plans are here to protect your trip and make your journey memorable for all the right reasons.
Lastly, our travel insurance plans may cover pregnancy complications while traveling. To file a claim, log in to our website app, navigate to the 'File a claim' section, upload documents, and add relevant details.
Before you embark on your journey, ensure you have the right protection. Check the specific insurance provider’s website where you plan to buy your policy for exact qualification details and deadlines to ensure coverage.
- If you're planning a trip and have pre-existing medical conditions, consider purchasing travel insurance with a pre-existing conditions waiver from our website to protect yourself financially.
- To maintain a stable medical condition before buying travel insurance, avoid recent changes in your health status, medication changes, or hospitalizations related to your condition within a defined recent timeframe.
- Our health-and-wellness oriented travel insurance plans not only cover you from takeoff to landing but also provide 24/7 support for medical emergencies, doctor consultations, and pharmacy locations.
- For a memorable travel experience without worrying about exorbitant medical expenses, ensure your travel insurance plan includes coverage for medical emergencies and medical evacuation costs, especially when traveling abroad.
