Travel Insurance Pre-Existing Conditions Coverage - How It Works

What is a Pre-Existing Medical Condition?

When a trip cancellation travel insurance company mentions to
a "Pre-Existing
Condition", they are talking about medical statuses that
be in the
Lookback Time Period that immediately preceeds the travel
insurance purchase
date.

Simply put, a Pre-Existing Condition is any medically
documented condition (no matter how minor) an
Insured Person, Traveling Companion or Family Member
have been treated for, consulted with or received advice on. This includes any accommodations or changes in any
prescription drugs or medicine during the Lookback
Period. The status have to be medically stable.

Medically Stable also includes the thought that nil
is foreseen or expected to "be a bend for the worse". In other
words if you're given a hebdomad to dwell and you desire to purchase travel
insurance for a sail next month, you can't cover the
Pre-Existing Condition. It's wish wanting to purchase Fire Insurance
when your house is on fire.

Here's some existent policy wording:

“Any injury, illness, illness or medical status of an
Insured or Family Member which either manifests itself or
bes during the Lookback Time Time Period immediately preceding
the twenty-four hours you purchase Travel Insurance, unless the status is
controlled through the pickings of prescription drugs or
medicine and stays controlled throughout the
Lookback Period. A pre-existing status have manifested
itself when medical care, treatment or diagnosis have been
given.”

What this agency is starting today, if during the Lookback
Period:

You, a traveling comrade or a household member, have any
injury, illness, disease, illness or medical condition
and
Has been diagnosed, treated for it, had any prescription
changes (increase or decrease), been advised to be
treated, had symptoms of it, hopitalized, saw a medical
professional for it, etc.
Then that individual have a Pre-Existing Condition as
defined by a Travel Insurance policy. Note: If that individual have got got
a medical status that’s farther in the past than the
Lookback Period, they don't have a Pre-Existing
Condition.

Why is this important?

You can call off or disrupt your trip or have medical
treatment even if you have a Pre-Existing Condition – if you
follow the rules.

Trip cancellation travel insurance excepts claims owed to
pre-existing medical
conditions. Some travel insurance programs will relinquish the
pre-existing condition
exclusion at no extra charge if you get your travel insurance
in the first 10, 14
or 21 years after your first trip payment day of the month (before the end
of these 10, 14 or
21 days).

Any payment on your trip is considered the first payment. This includes the tax you pay when you deliver frequent
circular tickets, refundable sedimentations or even a trip planning
audience fee if that fee is later credited toward your trip
costs.

You'll protect yourself if you have got to call off or disrupt your
trip or have medical treatment because of that
pre-existing medical condition. There are three primary
regulations to maintain in mind:

You have got got to see your trip's full prepaid,
non-refundable cost and
person with the medical status have to be medically
stable when you get your insurance and
You must get your travel insurance in the first 10, 14 or
21 years after your first trip payment date

If you're past the first 10, 14 or 21 years you will be governed
by the "Lookback Period".

What's the underside line?

If Pre-Existing Conditions are a concern for you or your
traveling companions,
you have to purchase your trip cancellation travel insurance within
the deadlines.