An unforeseen illness can strike anytime, anywhere and when you travel you’re exposing yourself to additional germs and viruses that can affect your health while you’re traveling.
Of course, becoming ill prior to a trip may mean that you have to cancel your trip due to illness. If someone gets ill prior to or during your trip, you may decide to seek medical care, cancel the trip, or abandon it and return home to be with that family member. Given the uncertainty that can occur around getting sick, it’s important to understand how travel insurance covers illness.
Travel insurance cover for illness is centered on the following coverage:
Here are some scenarios where the right travel insurance plan can help a traveler who’s facing an illness:
Travel insurance coverage for illness does not include paying for your unused pre-paid trip expenses if the illness is related to a pre-existing condition.
If you suspect that you may need to cancel or interrupt your trip or you might need emergency medical care as a result of a pre-existing medical condition (yours, your traveling companion’s, a family member’s, etc.), then you’ll need to purchase a plan that covers pre-ex. Pre-existing medical condition limits do not apply to emergency medical evacuation and repatriation.
Here’s how to know if you need pre-existing condition coverage.
Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.