October 10. Whether you’re planning a trip within the U.S. or a vacation abroad, knowing you have the right medical coverage can help give you peace of mind during your travels. If you have a pre-existing medical condition, finding the right travel health insurance may feel difficult or even impossible. However, some insurance companies offer travel insurance for pre-existing conditions to help those with ongoing medical issues.
The best travel insurance can help you cover medical expenses incurred during your trip, such as an unexpected illness or a physical injury. With travel insurance for pre-existing conditions, you can travel without worrying if your policy will cover related medical care. Keep reading to learn more about finding travel insurance with pre-existing condition coverage.
Although each travel insurance company has its own definition, a pre-existing condition refers to a medical condition you have before leaving for a trip. Your malady may not have to be formally diagnosed to qualify as pre-existing. You may have a pre-existing condition if you’ve sought treatment, had symptoms or taken medication within a few months before your trip for an injury, illness or medical situation.
When it comes to travel insurance, pre-existing conditions do not necessarily prevent you from getting coverage. Most travel insurance for lost baggage or trip cancellation will not consider your pre-existing condition if you have to file a claim. Additionally, many travel insurance providers offer medical insurance that covers pre-existing conditions through a pre-existing medical conditions waiver.
Qualifying for a waiver requires you to meet a few eligibility conditions, including:
- Your pre-existing condition is stable.
- You purchase travel insurance within a certain timeframe.
- You must insure the full amount of pre-paid, nonrefundable travel expenses.
Source: Market Watch