Squaremouth in the News

NBC Miami, Dec 18 2018 – Trip Insurance May Cover Your Pre-Existing Condition

NBC Miami, Dec 18 2018 – Trip Insurance May Cover Your Pre-Existing Condition

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Monica Joyce booked a flight in May, hoping to visit her parents in Brazil in the fall.

She suffers from ulcerative colitis and was part of a clinical trial at a local hospital but thought she would still be able to travel abroad during the trial.

“I didn’t think that that would come to interfere with the medication at the end of the process, so I think September would be okay to do the trip,” she said.

But when doctors learned of the trip, they advised her that “she should remain the country in the case that the medication were to lose effect and if she were to require immediate medical attention,” according to a letter Joyce provided to NBC 6 Responds.

Joyce thought the doctor’s note would be enough to help her get back the $723.78 she paid for the flight, until she heard from the site where she made the reservation.

She says she was told that because of the discounted price she got, that she’d be refunded a balance left after the airline was given $400 and the site kept $150.

“I thought it was ridiculous,” Joyce said.

She had purchased trip insurance months after booking her flight, but canceled it less than a week later when she learned pre-existing conditions would not be covered. One travel insurance expert told NBC 6 Responds if she had purchased insurance sooner, Joyce might have had coverage for her condition.

“It is a time-sensitive benefit,” said Megan Moncrief, spokesperson for Squaremouth.

According to Moncrief, most trip insurance policies include coverage for pre-existing conditions if you buy them within two to three weeks of booking the trip. And if you have a chronic condition that is stable in the six months before you booked it, you may not need pre-existing coverage.

Read the full NBC Miami article and watch the video online here: https://www.nbcmiami.com/news/local/Trip-Insurance-May-Cover-Your-Pre-Existing-Condition-503080472.html