Insurance specialist
No matter where your travels may take you, knowing you have adequate medical coverage can bring peace of mind during any vacation or trip abroad. Finding a policy with pre-existing medical coverage might seem impossible at first. But many travel insurers now provide travel health plans specifically designed to cover those living with ongoing conditions such as pre-existing diseases. We will help you to find best travel insurance for pre existing conditions.
Travel insurance provides vital protection in case of sudden illness or physical injuries during a trip. Whether an sudden illness is diagnosed during travel or is not covered under your policy. With pre-existing condition coverage on hand, traveling without worry should become much simpler. Keep reading to discover more about such policies.
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What are Pre-existing conditions?
Pre-existing conditions refer to any health or medical issue you had prior to purchasing travel insurance coverage. These health conditions could include chronic illnesses, ongoing medical treatments, or any health concern for which medical advice, diagnosis, or treatment has been sought. Prior to purchasing travel insurance, it’s vitally important that pre-existing conditions be disclosed fully, as coverage can differ among providers. Some policies may exclude coverage entirely while others offer it with certain conditions or additional costs attached. It is vitally important that when reading through policy terms and conditions carefully. You comprehend exactly how pre-existing conditions will be covered within your travel coverage plan.
Pre-existing conditions cover a range of medical issues.
Examples may include:
- Chronic diseases: Examples include diabetes, high blood pressure and asthma.
- Neurological conditions
- Mental health conditions
- Cancer: Any history or current treatments.
Coverage types of travel insurance with pre existing conditions
There are four major forms of travel insurance coverage:
- Trip cancellation,
- baggage coverage,
- medical travel insurance
- cancellation for any reason (CFAR) coverages
These can all provide critical travel protection coverages.
Trip Cancellation Insurance
Trip cancellation insurance provides nonrefundable costs should your trip be interrupted due to something unpredicted or unexpected. Like jury duty call for right before it starts or an sudden storm interrupting flights and lodging arrangements. In such an instance, travel cancellation policies provide coverage. They reimburse any nonrefundable flight and accommodation costs related to an interrupted or postponed journey and any nonrefundable costs as reimbursement from travel insurers.
Trip cancellation insurance typically does not cover changes in pre-existing medical conditions such as arthritis. If this causes knee pain that forces you to cancel two weeks before departure, an insurer might decline your claim unless a pre-existing condition waiver exists that would cover it under trip cancellation coverage.
Baggage Coverage
Travel luggage coverage typically protects travelers against loss, theft, delay, and/or damage to their bags while traveling. For instance, if someone steals your baggage while at dinner in your hotel room, and depending on your policy. It could provide money towards replacing essential items like clothes and shoes as replacements; other policies cover up to their full value with certain restrictions or exclusions in their coverage plans.
Baggage insurance gives you peace of mind in knowing your possessions will be replaced should they get lost, stolen, or damaged – pre-existing conditions do not interfere with this coverage!
Medical Travel Insurance
Medical travel insurance is one of the most prevalent forms of travel coverage. A medical travel policy pays for emergency healthcare abroad should an illness strike while traveling – up to your policy’s limits. It usually covers these costs as part of its coverage.
If you have pre-existing medical conditions that prevent travel health insurance coverage, make sure you read every word of your policy closely. And obtain a pre-existing conditions waiver prior to traveling. Without this provision in place, medical costs you incur during traveling may not get coverage under your plan.
Cancel For Any Reason (CFAR) Coverage
With certain exceptions, Cancel for Any Reason Insurance (CFAR) coverage allows travelers to cancel trips for nonrefundable expenses with a partial refund. Common uses for CFAR policies may include illness within your family or fear of illness at your destination; your new passport didn’t arrive on time to travel, etc. CFAR insurance doesn’t require pre-existing condition waivers like regular trip cancellation insurance policies do, meaning if an existing condition flares prior to traveling, you could potentially get back between 50%-75% of nonrefundable expenses with full reimbursement, depending on which plan.
What is a pre-existing condition waiver?
An exclusion waiver does not usually come in the form of a document you need to fill out and return. Rather, it’s typically found as part of travel insurance policies that allow coverage for pre-existing medical conditions under certain conditions. If the requirements of your policy meet them, then medical treatment during your trip, regardless of any pre-existing conditions that might exist, will likely get coverage.
Most pre-existing condition waivers are only offered if your travel insurance policy is purchased within 14-21 days after making the first payment for your trip. In other words, 2-3 weeks should pass between your initial booking and purchasing your travel insurance policy.
How Much Does Travel Insurance for Pre existing Conditions Cost?
Cost may vary for pre existing conditions travel insurance. Our research indicates that travel insurance typically ranges in cost between $35 to $200 for any given trip. There should be no pre-existing condition waiver fees applicable in most instances. Pricing depends upon various factors, including destination, trip cost, and personal details that determine pricing details of individual policies.
Your plan cost will also depend upon which coverage options you have. Selecting policies with higher medical limits and lower deductibles could result in an increased premium payment.
What does Common Pre-existing condition travel insurance offer?
There are following few pre existing conditions travel insurance offer:
Medical Emergencies: Hospitalization or medical treatment due to the sudden worsening of a pre-existing condition is classified as a medical emergency.
Trip Cancellations or Interruptions: Should an unexpected pre-existing medical issue surface before or during travel plans, necessitating cancellation or reduction. They must either cancel their travel arrangements immediately or modify them significantly to reduce risks and shorten the duration of journeys accordingly.
Evacuation/ Repatriation: Should there be a serious medical emergency, insurance may cover the expenses incurred during evacuation to an appropriate healthcare facility or repatriation back home for treatment purposes.
Cancellations Due to Family Member Illness: Some policies offer trip cancellation coverage should a family member require immediate care due to pre-existing conditions that necessitate immediate medical intervention, necessitating immediate trip cancellation.
Lost Medication Coverage: Coverage to cover the costs associated with replacing medications necessary for managing pre-existing conditions should they become lost or stolen.
Missed Connections or Delays: Travelers may experience delays and missed connections due to health-related pre-existing conditions that impact travel plans.
Note that coverage and claims processes vary among providers and policies.
Conclusion
Travel insurance provides financial security if a medical emergency arises while traveling, and even more so if you have pre-existing conditions that could delay, cancel, or necessitate emergency attention on the journey. Good news – with pre-existing condition waiver coverage, it is still possible to purchase travel insurance!
Talk with your physician and obtain written approval before traveling if you hope to qualify for a waiver. Once purchasing travel insurance policies, ask each provider’s requirements regarding pre-existing condition waivers. Some providers require submission within a specified amount of time upon making initial trip payments.
