Essential information on linking pre-existing health issues and travel insurance coverage
For travelers with pre-existing medical conditions, understanding the process of filing a claim on travel insurance is crucial. Here's a simplified guide to help you navigate this important step.
Firstly, it's essential to disclose all relevant pre-existing medical conditions when applying for a travel insurance policy. This includes any diagnosed conditions or treatments within the last five years, prescribed medications, medical consultations, and hospitalizations. Failure to disclose can lead to denied claims or even policy invalidation[1][2].
Next, ensure that your policy includes coverage for pre-existing conditions. Some plans, especially basic or budget levels, may not cover these conditions unless specifically accepted by the insurer. Look for policies with a Pre-Existing Medical Condition Exclusion Waiver if you want coverage for existing conditions[1][3].
If you need to file a claim related to a pre-existing condition during or after your trip, act promptly. Contact the insurer’s claims center immediately after the medical event or within a specified timeframe (e.g., 90 days of receiving care)[4]. Provide all required documentation, which may include medical reports, hospital bills, proof of treatment, travel itinerary, and any correspondence related to your medical condition[4]. Complete the insurer’s claim forms as directed by the claims representative.
Be aware that waiting periods for pre-existing conditions may apply, and certain conditions may be excluded if you were receiving treatment or tests at the time of buying the policy or if you are traveling against medical advice[1][3].
The insurer will evaluate your claim based on your disclosure, the policy terms, and medical evidence before making a determination on coverage.
In summary, the key to successfully filing a claim for a pre-existing medical condition is full and honest disclosure at purchase, selecting an appropriate plan that covers such conditions, and promptly submitting detailed documentation when making the claim[1][2][3][4].
For added peace of mind, our website offers a pre-existing conditions waiver to protect trips at no extra cost. To qualify, one must purchase the policy within 14 days of the initial trip deposit and be medically able to travel when they purchase the policy. Claims for pre-existing medical conditions can be submitted through the 'File a claim' section on the our website app.
It's also worth noting that treatment abroad may not be covered by your health insurance, and a medical evacuation from Europe can cost between $65,000 and $90,000 without pre-existing condition coverage. Our website offers 24/7 support for travelers, including assistance in finding a doctor and locating a pharmacy.
Lastly, our travel insurance plans may also cover pregnancy complications while traveling, and our goal is to make trips memorable for all the right reasons by covering unexpected challenges during travel. Our services extend from takeoff to landing and every moment in between.
- It's important to disclose any pre-existing medical conditions when applying for a travel insurance policy, as failure to do so could lead to denied claims or even policy invalidation.
- For comprehensive coverage of pre-existing conditions, look for travel insurance policies that offer a Pre-Existing Medical Condition Exclusion Waiver.
- If you need to file a claim related to a pre-existing condition, act promptly by contacting the insurer's claims center, providing all necessary documents, and completing the claim forms as directed.
- Being honest about your medical history and selecting an appropriate travel insurance plan can significantly increase the chances of successful claim filing for pre-existing medical conditions. Additionally, our website offers a pre-existing conditions waiver to protect trips at no extra cost, if purchased within 14 days of the initial trip deposit and the policy holder is medically able to travel at the time of purchase.
