Are migraines covered under Pre-Existing Medical policies?

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Short Answer

Migraines can be covered under the Pre-Existing Condition waiver, as long as they are not listed as an exclusion on the policy. 

More Detail

Migraines may be considered a Pre-Existing Condition if you have sought treatment or experienced a change in your condition during the policy’s look back period. The lookback period is typically 60-180 days before the policy’s effective date.

Pre-existing conditions are typically excluded from coverage, but Pre-Existing Condition coverage is available on some policies if you purchase the policy within 14-30 days of your first deposit or booking date. Some policies may provide Pre-Existing Condition coverage if the policy is purchased before your final trip payment is made.

Migraines are classified as a neurological disorder, which may be excluded on some travel insurance policies, even if you have the Pre-Existing Condition waiver. We recommend reading through a policy’s description of coverage and exclusions before purchasing it.

This information can vary based on the travel insurance policy. Please review the policy certificate to verify coverage. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET seven days a week and are delighted to help!