Travel Insurance Pre Existing Conditions

10 need to knows if youve a pre existing condition the aim of travel insurance is to cover the cost of the unforeseen such as illness and injury or theft of your possessions while youre on holiday.

Travel insurance pre existing conditions. A pre existing medical condition can be any kind of illness disability or injury that you have suffered from when or before you take out your travel insurance policy. If you require medical assistance the experts at the emergency assistance service will be able to advise you on the best care. Its sought after because many travel insurance buyers have something in their medical history that might flare up or recur before or during their trip forcing them to cancel or interrupt their travels. It can also mean acute or chronic conditions youve recovered from and been given the all clear such as cancer or high blood pressure and cholesterol.

However you may need a specialist policy as not all providers offer cover for pre existing conditions in a standard policy. Most policies will offer a waiver of pre existing conditions if you meet the following conditions. You can still get travel insurance if you have a pre existing medical condition such as cancer or diabetes. If you have a pre existing medical condition buy travel insurance within 14 21 days to receive the medical exclusion waiver.

Insurance providers check to see if you were medically stable during the look back period which is typically a period of 60 to 180 days prior to a plans effective date. A pre existing conditionis any injury illness disease or other medical condition that occurs prior to the travel plans effective date and for which you had symptoms and sought diagnosis medical treatment andor new prescription medications or a change in your current prescription. Having travel insurance for existing medical conditions means youre fully covered should anything happen on your trip relating to your pre existing condition. Here is how it works.

The travel insurance automatically covers an extensive list of pre existing medical conditions with no extra cost or the need to declare the condition. And be medically fit to travel the day you purchase the policy. You purchase the policy within 10 to 21 days of making your first trip payment. Its also designed to cover you if you have to cancel your trip or need to return early due to an emergency.

Insure all prepaid non refundable expenses prior to your departure date. Usually your pre existing medical condition would not be covered. If it is determined that you were not medically stable during that time you. Travel insurance that covers pre existing medical conditions is one of the most sought after components of a travel insurance plan and one of the most misunderstood.

As far as the travel insurance carrier is concerned you have a pre existing medical condition.