Navigating the world of travel insurance can sometimes feel like a daunting task, especially when you have pre-existing medical conditions.
It’s not always easy to find the right travel insurance policy, but don’t fret – it’s certainly not impossible.
In this article, we’ll go over which types of travel insurance cover pre-existing conditions and how to find the right coverage for you.
In this article...
What are Pre-existing Conditions?
In the realm of insurance, a pre-existing condition refers to any medical illness or condition that you had before signing up for insurance coverage. This could range from diabetes or heart conditions to asthma or other chronic diseases.
Many travel insurance providers have specific definitions for pre-existing conditions, so it’s essential to read the policy wording carefully.
Typically, insurers regard conditions as pre-existing if you have received a diagnosis, treatment, or medical advice for the condition within a certain period before purchasing the policy, such as 60-180 days.
Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.
Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).
Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.
Travel Insurance that Covers Pre-existing Conditions
Several travel insurance providers offer coverage for pre-existing conditions under certain conditions. Let’s look at a few key aspects:
- Pre-existing Condition Waivers:
Some travel insurance policies offer pre-existing condition waivers. These waivers, available within a certain period after your initial trip deposit (usually 14-21 days), can provide full coverage for any pre-existing conditions that are stable at the time of purchase.
- “Lookback” Periods:
Insurance companies typically have a “lookback” period, the period in which the insurer checks your medical history to see if a condition reoccurred or got worse.
If a condition flares up during this period, it may not be considered stable and might not be covered. This period varies between insurance providers and can range from 60-180 days.
- Stability Periods:
Some insurers require a “stability period,” where a pre-existing condition must be stable and unchanged for a certain period before the policy purchase.
- Coverage for Acute Onset of Pre-existing Conditions:
This is a feature offered by some insurers where a sudden and unexpected outbreak of a pre-existing condition is covered, provided it occurs for the first time after the insurance policy is in effect.
Several insurance providers offer options for those with pre-existing conditions.
These include AIG Travel Guard, Allianz Travel Insurance, and Generali Global Assistance, among others. But remember, each of these companies has their specific stipulations and rules, so it’s crucial to read the policy wording and understand what’s covered and what’s not.
Shopping for Travel Insurance with Pre-existing Conditions
- Disclose Your Medical History:
Be honest about your medical history when applying for travel insurance. Not doing so might invalidate your coverage.
- Read the Fine Print:
Check the insurer’s definitions and time frames associated with pre-existing conditions.
- Consider Specialist Providers:
Some insurance providers specialize in coverage for travelers with specific medical conditions.
- Check for the Pre-existing Condition Waiver:
If available, and you qualify, this can give you full coverage for your pre-existing condition.
Navigating travel insurance with pre-existing conditions might feel overwhelming, but you have options. Carefully compare policies, ask questions, and make sure you understand what you’re getting before you sign on the dotted line.
Can I get travel insurance if I have a pre-existing condition?
A: Yes, some travel insurance policies cover pre-existing conditions. It’s important to fully disclose any such conditions when purchasing your policy.
Does travel insurance cover my pet’s pre-existing conditions?
Travel insurance typically covers the policyholder’s emergency medical situations. Coverage does not extend to pets or their medical conditions.
If my condition is controlled with medication, can I still get travel insurance?
Yes, you can still get travel insurance. However, the condition is still considered pre-existing. Coverage for such conditions varies by provider, so it’s important to discuss this with them directly.
What happens if my pre-existing condition worsens during my trip?
If your travel insurance policy includes coverage for ‘Acute Onset of Pre-existing Conditions’, then a sudden and unexpected onset of the condition may be covered. Always review your policy details for specific coverage information.
Is pregnancy considered a pre-existing condition?
Pregnancy itself is not usually considered a pre-existing condition. However, complications arising from pregnancy might be. If you’re planning to travel while pregnant, it’s recommended to discuss this with your insurance provider.