Information on Pre-Existing Health Conditions and Travel Insurance Coverage
Navigating Travel Insurance Jargon: Simplified Edition
journeys can be a bitch, especially when you're stuck decoding travel insurance jargon. Grab a cup of joe, let's break pre-existing medical conditions down and see how our travel insurance website can help you embark on your next adventure stress-free.
The Urgency of Pre-existing Condition Coverage
From the unexpected to the downright dire, travel ain't for the faint-hearted. For those with pre-existing conditions, having the right coverage could be a game-changer. Without it, the cost of a medical evacuation from Europe could set you back a whopping 65-90 grand! And, guess what? Your regular health insurance might not cover those bills.
Pre-existing condition coverage ensures you can travel confidently, knowing you're protected financially if complications arise.
What Qualifies as a Pre-existing Condition?
A pre-existing condition is any illness, disease, or medical condition that required medical intervention within six months prior to purchasing your travel insurance policy.
- You've received a heads-up for medical tests, examinations, or treatments for a condition that manifested, got worse, or displayed symptoms that would prompt a sane person to seek medical attention.
- You've been given a prescription for medication. (Fun fact: Conditions solely managed by prescription drugs that remain stable without changes in dosage or frequency during the six-month period before the coverage don't count as pre-existing conditions.)
- Your prescribed medication has been adjusted, whether it's a dose increase, decrease, or replacement due to worsening of the condition being treated.
Guarding Your Trip: Pre-existing Medical Conditions Coverage
Our travel insurance website's got your back with a pre-existing conditions waiver. This waiver eliminates the usual exclusion for pre-existing conditions if you meet these criteria:
- You buy your policy within two weeks of your initial trip deposit.
- You're in good health when you buy your policy.
Insider tip: Some of our plans also cover pregnancy complications during travel—because life's a highway, not a parking lot.
A Quick Primer on the Pre-existing Medical Conditions Waiver
Pre-existing conditions are usually off-limits from most travel insurance plans, ours included. But, this restriction can be waived if you meet the requirements mentioned above.
The cherry on top? This waiver comes at no extra cost—it's automatically included in your policy if you qualify!
Filing a Claim for Pre-existing Medical Conditions
Claiming for pre-existing medical conditions is easier than pie:
- Gather your paperwork: gathered your travel tickets, hotel confirmations, your doc's explanation of your condition, and any other evidence that proves your eligibility for the pre-existing conditions waiver.
- Log in to our website app: Navigate to the 'File a Claim' section.
- Submit your claim: Upload your documents and provide any necessary details.
- Track your claim in real-time: Get updates on your claim straight to the app, so you're always in the loop.
Get the lowdown on how to file a claim with our website here.
Travel Insurance: Your 24/7 Travel Buddy
From takeoff to touch-down, our travel insurance website has your back. With around-the-clock support, we're here to help you find a doc, locate the nearest pharmacy, and tackle unexpected hurdles.
Travel with peace of mind, knowing help is just a call away.
- Navigating the complexities of travel insurance jargon becomes stress-free with our easily understandable 'Navigating Travel Insurance Jargon: Simplified Edition'.
- Pre-existing medical conditions can pose financial risks during travel if not adequately covered, as medical evacuation costs from Europe can reach staggering amounts like 65-90 thousand dollars.
- Pre-existing condition coverage is essential for travelers with chronic diseases or medical conditions, ensuring financial protection in case of complications.
- A pre-existing medical condition is any illness, disease, or medical condition that required medical intervention within six months prior to purchasing a travel insurance policy.
- Our travel insurance website offers a pre-existing conditions waiver, which eliminates the usual exclusion for pre-existing conditions if you buy the policy within two weeks of your initial trip deposit and are in good health at the time of purchase.
- Some of our travel insurance plans also cover pregnancy complications during travel, considering life's journey to be an unfolding adventure, not a standstill parking lot.
- In the event of needing to file a claim for pre-existing medical conditions, gather relevant documents like travel tickets, hotel confirmations, medical explanations, and submit them through our website app for real-time claim tracking and quick processing.
