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Although trip delay and baggage loss insurance are good to have, purchasing a medical insurance policy before hitting the road can be the difference between an expensive vacation and a really expensive vacation. Those with pre-existing conditions may be wondering if they can still get travel insurance. Luckily, the answer is yes.
Here’s where to look for and how to get travel insurance for pre-existing medical conditions.
What is considered a pre-existing condition?
A pre-existing condition is an illness, injury or medical concern that has included exams, treatments or a change in prescribed medication within 60 to 180 days of purchasing a travel insurance policy. The condition doesn’t have to be diagnosed formally to be considered a pre-existing condition.
For example, say you go on a bike tour of Amsterdam and suffer a mild heart attack. If a doctor had diagnosed hypertension (high blood pressure) a few weeks before your trip, this is considered a pre-existing condition.
How to qualify for a pre-existing medical conditions waiver
So, what does a pre-existing medical condition mean for travel insurance? The good news is that having a pre-existing condition doesn’t preclude you from traveling or being eligible for medical coverage. Many comprehensive plans cover pre-existing conditions and can help you recoup your money if you require medical treatment during your trip or have to cancel a trip altogether because of a medical issue.
To avoid being on the hook for medical bills abroad or losing a deposit before you even pack your bags, look for a policy that includes a pre-existing condition waiver. Read the fine print on the insurance provider’s website; there shouldn’t be an age limit on most plans, and the premium shouldn’t cost more than it would for people without pre-existing medical conditions.
As long as you’re medically fit to travel, you can qualify for a pre-existing condition waiver if you meet the following criteria and apply within the eligible timeframe:
A pre-existing condition must be stable.
You must buy coverage at the time of your first trip deposit or shortly thereafter (time frame varies by company).
Amount of coverage must be equal to all pre-paid, non-refundable costs.
For example, if you put down a 50% deposit on a safari in South Africa, you must buy travel insurance within the time specified by the insurance provider to be eligible for a pre-existing medical conditions waiver. If you wait too long to purchase coverage, you’ll have missed the coverage purchasing window and the waiver won’t be applicable to your trip.
We recommend purchasing a travel insurance policy as soon as you make the first deposit on a trip.
If you don’t qualify for a waiver, then a travel insurance company has a right to look back at the traveler’s medical records for the last 60 to 180 days (varies by plan), which is called a look-back period. This is done to determine whether you’re filing a claim for an incident related to a pre-existing condition, which then determines whether it’s going to be covered or not.
The pre-existing medical conditions waiver may also provide coverage in the case of a non-traveling family member having a medical problem mid-trip. This varies by plan.
Watch more videos on the same topic : Travel insurance with medical conditions
Travel Insurance with medical conditions (https://www.comparethemarket.com/travel-insurance/medical-conditions/)nnCan I get travel insurance that covers pre-existing conditions?nYes, you can still get travel insurance (https://www.comparethemarket.com/travel-insurance/) if you have a medical condition, but you’ll probably need a specialist policy, which could limit your options and cost more.nnA standard travel insurance policy will exclude cover for pre-existing medical conditions.nnWhat would my policy cover?nAs well as covering things like cancellation (https://www.comparethemarket.com/travel-insurance/content/holiday-cancellation/) damaged luggage (https://www.comparethemarket.com/travel-insurance/content/baggage-cover/) and theft, a specialist policy would cover medical expenses, including treatment for your pre-existing conditions.nnThis means you can relax and enjoy your holiday, with complete peace of mind, knowing you’ll be taken care of.nnWhich medical conditions do I have to declare for travel insurance? nA pre-existing medical condition is anything that you suffer from before or at the time you take out a policy.nnExamples include:n• Cancer (https://www.comparethemarket.com/travel-insurance/content/cancer/)n• Heart conditions (https://www.comparethemarket.com/travel-insurance/content/heart-conditions/) – includes common examples like high blood pressure or cholesteroln• Diabetes (https://www.comparethemarket.com/travel-insurance/content/diabetic/) – type one or type twon• Respiratory illnesses – examples include asthma or cystic fibrosis (https://www.comparethemarket.com/travel-insurance/content/cystic-fibrosis-travel-insurance/)n• Other chronic illnesses – for example, Crohn’s disease (https://www.comparethemarket.com/travel-insurance/content/crohns-disease-travel-insurance/)nnIf you don’t declare a pre-existing medical condition, you’ll void your policy if you try to make a claim for it.nnDo I need to complete a medical exam?nWhen taking out a policy for pre-existing medical conditions, you’ll normally be asked questions about your health and medical history.nnDepending on your answers, you may need to complete a medical exam.nnHow do I get travel insurance for pre-existing conditions?nYou can compare travel insurance quotes for pre-existing medical conditions with Comparethemarket.nnJust pop in a few details about you, your trip and select the option for pre-existing medical conditions.nnWe’ll compare providers in minutes to try and find you the right cover.nnSimples.
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Where to find coverage for pre-existing conditions
With so many providers to choose from, it’s hard to make the right choice. So, which travel insurance for pre-existing medical conditions is best?
You can turn to travel insurance companies such as Allianz, Travel Guard by AIG or RoamRight to locate the right plan for your trip.
Instead of getting quotes from every travel insurance company under the sun, we recommend InsureMyTrip, which is a free comparison site that allows you to get quotes from multiple providers at once.
To start a quote, you must:
Select your travel destination.
Provide travel dates.
Disclose your citizenship and the state where you live.
Select the number of travelers and their ages.
The website will ask you additional questions, such as:
Whether you’re taking a flight, going on a cruise or renting a vacation home.
The total cost of nonrefundable expenses, such as flight costs, hotel bookings and tours.
The date you made the first payment toward the trip and viewed your coverage options.
You can sort and filter your results in multiple ways. Compare the plans offered and make a selection based on price, insurance provider reviews or the included coverage.
Keep in mind that it’s not possible to find annual travel insurance for pre-existing medical conditions. Comprehensive plans that include coverage for pre-existing conditions can only be purchased for every trip separately.
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Travel insurance for pre-existing conditions, recapped
Optional travel insurance certainly can protect you from the unexpected. To obtain coverage for a pre-existing condition, make sure to follow all the rules of the policy you’re about to purchase. Buy a policy within the specified time frame and declare all nonrefundable expenses accurately.
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