Do I need to disclose or explain my pre-existing medical condition when buying a policy?

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Short Answer

You are not required to provide any documentation of a Pre-Existing Condition when purchasing a policy. This information will only be required in the event of filing a claim with the provider.

More Detail

You will not be asked to provide an explanation regarding your Pre-Existing Medical Condition when purchasing a policy. Your travel insurance provider may require medical documentation in the event of filing a claim for an event involving a Pre-Existing Condition.

A Pre-Existing Condition is an illness or medical condition that existed before a policy’s effective date. This is determined by a look-back period, which is typically 60-180 days prior to the effective date of the policy. If there has been any diagnosis, change in treatment or prescription, medical advice, or recommendation within the look-back period, the condition is considered to be Pre-Existing.

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!