All travel insurance plans have events and circumstances that are excluded from coverage. One of the most common exclusions is for pre-existing conditions. This means any situations caused by or related to a pre-existing medical condition will not be covered by the travel insurance. Many policies offer a waiver of this exclusion, meaning there is a way to have pre-existing conditions covered. This is normally available based on when the first trip payment was made and when policy was purchased. Seven Corners addressed the issue of pre-existing conditions on their blog.
If you are considering a trip and have an existing medical condition, you have a limited amount of time in order to decide whether you should purchase travel insurance. Trip Insurance (there are several types of travel insurance, trip insurance’s primary purpose is to protect the financial investment of a trip should you become sick prior to departure) has evolved over time and now has coverage for pre-existing conditions.
This additional benefit is of value to tens of thousands of travelers who have a manageable medical condition but are concerned if something unexpected happens – either prior to departure or during the course of your trip. Keep in mind, you must purchase the trip insurance coverage within a set number of days after you’ve paid for your trip (or made the initial deposit). If you wait too long, you can still purchase coverage, but the pre-existing condition may be considered an ‘exclusion’.
A typical period of time given to purchase coverage is 10 days from the date the trip is purchased or initial deposit for the trip is made. Be sure to read the company’s product brochure to find complete details and verify that existing conditions would be considered covered.
Some travel insurance plans offer a longer window from the first trip payment, up to 30 days. CSA and HTH do not use the trip deposit date to determine elligibility for the pre-existing conditions exclusion waiver. Instead, these companies offer plans that cover pre-existing conditions if a policy is purchased before the final trip payment.
Pre-existing coverage is not an upgrade and will not raise the cost of the premium. Either the policy was purchased in time and coverage is available, or too much time has passed and coverage is no longer available. Always refer to the certificate of insurance for details.