Pre-Existing Condition

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This coverage addresses the needs of travelers who have pre-existing medical conditions. The coverage is actually in the form of an exclusion waiver because travel insurance plans automatically exclude coverage for pre-existing medical conditions.

Summary

• No travel plan covers pre-existing conditions, but you can purchase a package plan that offers an exclusion waiver
• You must purchase your plan within a certain number of days of the initial trip deposit (typically 14-21 days) or final payment (in some cases), and you must insure the full cost and length of the trip
• You must be medically stable when you purchase the travel plan and if a claim is made, the travel insurance provider will examine your health records over the look-back period

Contents (click to jump down) What does the Pre-existing Condition Waiver cover? What is the ‘Look-back Period’ and ‘Medically Stable’? Pre-existing condition examples Important notes about this coverage How much coverage does each company provide? Summary

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