Essential insights regarding travel insurance and pre-existing medical conditions
Navigating travel insurance lingo? We've got your back! Here's a simplified breakdown of pre-existing medical conditions and how our Travel Insurance website can help protect you while you jet-set.
Why cover pre-existing conditions is essential
Unexpected happenings are par for the course during traveling, and folks with pre-existing conditions need the right cover to stay protected. Without it, a medical evacuation from Europe might cost anywhere from $65,000 to $90,000 depending on the circumstance, and treatment abroad might not be covered by your health insurance.
Pre-existing condition coverage gives you the confidence to roam the globe, knowing financial risks are minimized if complications occur.
What's a pre-existing condition?
Pre-existing conditions pertain to any medical issue, illness, or disease that necessitated medical attention, prescriptions, or consultations within 180 days before purchasing your travel insurance policy.
It includes:
- Medical advice for a condition that manifested, worsened, or showed symptoms necessitating medical attention.
- Medication prescriptions (Note: Conditions treated solely with prescription drugs that remain stable without prescription changes during the 180-day period are not considered pre-existing ).
- Adjustments in prescribed medication due to a worsening condition being treated.
Coverage for pre-existing medical conditions
Want help safeguarding your trip? Our website offers a pre-existing conditions waiver to protect your vacation. This waiver waives the typical exclusion for pre-existing conditions if you:
- Purchase the policy within 14 days of your initial trip deposit.
- Are medically able to travel when purchasing the policy.
Did you know? Some of our plans may also cover pregnancy complications during travel because life doesn't stop just because you're on the move!
The scoop on pre-existing medical conditions waivers
Pre-existing conditions are commonly excluded from travel insurance plans, including our website's. However, this exclusion can be waived if you meet the criteria listed above.
The best part? No extra cost or age restriction applies to this waiver—it's automatically included in your policy if you qualify.
Claiming for pre-existing medical conditions
Filing a claim for pre-existing conditions is straightforward:
- Gather your documents: Proof of the trip (e.g., flight itineraries, hotel confirmations), physician documentation explaining the condition necessitating cancellation or interruption, and evidence that you qualify for the pre-existing conditions waiver.
- Log in to the app: Access the 'File a claim' section.
- Submit your claim: Upload your documents, and add any relevant details as required.
- Keep track: Stay updated on your claim progress in real-time via the app.
Learn more about filing a claim with us here.
With us, protection goes further
From takeoff to touch-down and everything in between, we're here to help—24/7. From finding a doctor to locating a pharmacy, we've got your back during unexpected challenges.
Make this trip unforgettable in all the right ways!
Protect my trip
- A medical evacuation from Europe can cost anywhere between $65,000 to $90,000, and treatment abroad might not be covered by your health insurance, making it essential to cover pre-existing conditions for travel peace of mind.
- Pre-existing conditions are medical issues, illnesses, or diseases that have required medical attention, prescriptions, or consultations within 180 days before purchasing a travel insurance policy.
- Our website offers a pre-existing conditions waiver to protect your trip; simply purchase the policy within 14 days of your initial trip deposit and ensure you are medically able to travel when doing so.
- In the event of a pre-existing medical condition causing cancellation or interruption of your trip, filing a claim involves gathering documents such as flight itineraries, physician documentation, and proof of pre-existing conditions waiver eligibility, logging into the app, submitting the claim, and tracking claim progress in real-time.
