Essential Insights Regarding Pre-Existing Medical Issues and Travel Coverage
Navigating Travel Insurance Jargon: Demystifying Pre-Existing Medical Conditions
Travel insurance speak can be daunting, especially for folks with pre-existing medical conditions. But fear not! We're here to clarify things for you before your next exotic escapade.
The Importance of Pre-Existing Condition Coverage
Unpredictability is a travel staple, and people with pre-existing conditions need extra protection. Without it, a medical evacuation from Europe could set you back between $65,000 and $90,000 depending on the situation. Furthermore, ‘treatment abroad may not be covered by your regular health insurance’. That's a hefty chunk of change you'd rather not bite off!
Pre-existing condition coverage gives you the reassurance you need to vacation stress-free, shielding you from potential financial risks should complications arise.
So, What Exactly is a Pre-Existing Condition?
When our bodies tend to misbehave, it leaves a trail. A pre-existing condition refers to any medical issue, illness, or disease you've consulted a healthcare professional for or received treatment for within 180 days prior to purchasing your travel insurance policy. This could mean:
- Seeking advice for a manifesting, worsening, or symptomatic condition that would provoke a reasonable person to seek medical care.
- Acquiring a prescription medication. (Note: Conditions managed with steady medication without dosage or frequency changes during the 180-day period prior to coverage aren't considered pre-existing conditions.)
- Adjusting your prescribed medication due to the condition's worsening.
Pre-Existing Medical Condition Coverage
If you've got a pre-existing medical condition, we've got your back with our pre-existing conditions waiver. This waiver bypasses the usual exclusion for pre-existing conditions, provided two criteria are met:
- You purchase the policy within 14 days of your initial trip deposit
- You're medically fit to travel when the policy is purchased
Bonus fact: Our plans also cover pregnancy complications while traveling! After all, life doesn't take a break when you're on the move.
The Pre-Existing Medical Condition Waiver Breakdown
Typically, pre-existing conditions are a no-no for travel insurance. But, we've got a neat trick up our sleeve; provided you meet the criteria, this exclusion can be nullified.
The cherry on top? No age restrictions or surcharges for this waiver; it's a part of the package deal if you qualify!
Claiming for Pre-Existing Medical Conditions
Filing a claim for your pre-existing condition requires a few simple steps:
- Prepare Your Documents: Assemble proof of your trip (e.g., flight itineraries, hotel confirmations), your physician's documentation explaining the condition necessitating cancellation or interruption, and evidence that you qualify for the pre-existing conditions waiver.
- Tap into Our App: Access the 'File a Claim' section in our swanky app.
- Submit Your Claim: Upload your documents and fill out the necessary prompts.
- Stay Informed: You'll receive real-time updates on your claim directly in the app.
Hungry for more details about submitting a claim with us? Dive deeper here.
Join the Journey: Travel with Confidence
From takeoff to landing, and every thrilling moment in-between, we're your travel companion. Our 24/7 support team is always ready to help – from recommending a doc to locating the nearest pharmacy, and assisting with unforeseen challenges.
Make this trip unforgettable – in all the right ways. Secure Your Trip Now
- A medical evacuation from Europe without pre-existing condition coverage can cost between $65,000 and $90,000.
- Pre-existing conditions refer to any medical issue, illness, or disease consulted with a healthcare professional or received treatment for within 180 days before purchasing a travel insurance policy.
- Our pre-existing conditions waiver can provide reassurance for travelers with medical conditions, shielding them from potential financial risks.
- To qualify for the pre-existing conditions waiver, you must purchase the policy within 14 days of your initial trip deposit and be medically fit to travel at the time of purchase.
- Our pre-existing medical condition coverage also covers pregnancy complications while traveling.
- To file a claim for a pre-existing condition, you need to prepare documents like trip proof, physician's documentation, and evidence of qualifying for the waiver.
- With our app's 'File a Claim' section, you can easily upload your documents and receive real-time updates on your claim.
