The federal Affordable Care Act, commonly called Obamacare, prohibits health insurance companies in the U.S. from refusing coverage or bumping up insurance premiums because you have a pre-existing condition. Travel insurance policies don’t fall under this law.
However, a feature of a travel insurance policy known as a “pre-existing medical condition exclusion waiver” could let you, for instance, cancel a trip due to a flare up of an existing condition and then be reimbursed for nonrefundable travel costs.
How Do Travel Insurers Define A Pre-Existing Condition?
Travel insurance companies normally exclude pre-existing conditions from coverage. These conditions rank among the most frequent reasons for denial of travel insurance claims.
In the world of travel insurance, a pre-existing condition refers to an injury, illness or medical condition that prompted someone to seek treatment, experience symptoms or take medication before buying the travel insurance policy, according to travel insurance provider Allianz Travel.
To determine what qualifies as a pre-existing condition, an insurer looks back 60 to 180 days before the day the policy was purchased, says Squaremouth, a travel insurance provider. If a traveler had any changes in their medical status during that period, such as a new diagnosis, a decline in health or the addition of new prescription medication, the condition will be considered pre-existing.
Allianz Travel notes that you don’t need an official diagnosis from a health care professional to have something designated a pre-existing condition for travel insurance purposes.
Read the full Forbes article online here: https://www.forbes.com/advisor/travel-insurance/pre-existing-conditions/