Travel Insurance with Pre Existing Medical Condition

Posted on September 14th, 2017

Travel Insurance with Pre Existing Medical Condition

Many of us have medical issues that we deal with on a daily basis. These are pre-existing conditions. Let’s learn how to find Travel Insurance with Pre Existing Medical Condition.

Travel Insurance with Pre Existing Medical Condition | AardvarkCompare.com

When we travel, those of us with pre-existing conditions are often confused as to whether there is travel insurance available, given the condition. Also of concern is the type of medical disclosure that needs to be made to the travel insurance carrier before the trip takes place.

Ordinarily, your condition would be excluded. The Travel Insurance Carrier would not cover your pre-existing condition.

What you need is a Pre-Existing Coverage Waiver. As in, your pre-existing condition, which would normally be excluded from coverage, is now covered.
It is covered because the travel insurance provider has ‘waived’ the exclusion.

Travel Insurance with Pre Existing Medical Condition – Need to Know

No travel plan will cover a pre-existing condition. But, you can purchase an insurance plan that offers an Exclusion Waiver.

You must buy your plan within a certain number of days of the initial trip deposit (typically 14-21 days). Also, you must insure the full cost and length of the trip.

You need to be medically stable when you buy the trip insurance plan. If a claim is made, the travel insurance carrier will examine your health records over the Look-Back Period. This is typically 180 days – your condition needs to have been stable within this period before you purchase your travel insurance.

What does the Pre-existing Condition Waiver cover?

Remember, Travel insurance plans automatically exclude coverage for pre-existing conditions. This means they do not cover costs related to a pre-existing condition.

pre-existing condition is an injury, illness, disease or other medical condition that occurs prior to the travel plan’s effective date and for which you had symptoms and sought diagnosis, medical treatment, and/or new prescription medications or a change in your current prescription.

Some travel insurance plans cover medical costs relative to pre-existing conditions by offering a waiver to the exclusion. Having pre-existing coverage means that the medical coverage provided by your policy is in effect. This is because the pre-existing exclusion is waived.

Travel Insurance with Pre Existing Medical Condition – Timing is Critical

Almost every plan that has a pre-existing condition waiver has only a limited period of time for a traveler to be able to gain this additional coverage.

It is critical that the traveler ensures that the travel insurance is in place as soon after the initial trip deposit as possible.

Most plans have only 14 days from the initial deposit date for travel before travel insurance must be in place.

You must insure the full length and full price of the trip.

Medically Stable over a Look-Back Period.

The look-back period is the number of days prior to your travel insurance policy’s effective date that your insurance carrier will review for pre-existing conditions if you file a claim. If you were medically stable during the look-back period, it is not considered a pre-existing condition.

The term medically stable means that you have had no new medical condition and no prescription medication changes during the look-back period. You must be medically stable when you purchase the travel plan and if a claim is made.

The amount of time in the look-back period varies from plan to plan, but is typically between 60 and 180 days. Any medical condition that existed during the look-back period is considered a pre-existing condition if you had symptoms and/or were treated or had a change in your prescription medications.

As always, at AardvarkCompare we recommend that a travel consider travel insurance. You can get an anonymous quote in seconds, and compare dozens of the tops travel plans from many of the largest US travel insurers. We save you time and money finding the right travel plan for your needs.

Irrespective as to your condition, there is probably a plan that can cover you.
There may well be some confusion for you, but we have insurance agents who can guide you. Just call us before you buy your policy, and let us talk you through your options.

Safe Travels.


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