This coverage addresses the needs of travelers who have pre-existing medical conditions. The coverage is actually in the form of an exclusion waiver because travel insurance plans automatically exclude coverage for pre-existing medical conditions.
|Contents (click to jump down)|
What does the Pre-existing Condition Waiver cover?
What is the ‘Look-back Period’ and ‘Medically Stable’?
Pre-existing condition examples
Important notes about this coverage
How much coverage does each company provide?
Michael was traveling to Mexico to learn to surf. Months before his trip, he’d suffered through a cluster of migraine headaches, but he’d been treated by his doctor, prescribed medicine, and was considered fully recovered. When Michael landed in Mexico, he was surprised by a severe headache followed by nausea and dizziness.
Michael had purchased trip insurance coverage and paid for the pre-existing condition waiver, so he felt comfortable visiting a local medical facility. Because Michael had been medically stable with no changes in his health condition and no new medications for the duration of his policy’s look-back period, the costs for his treatment were covered.
Travel insurance plans have an automatic exclusion for pre-existing conditions, which means they do not cover costs related to a pre-existing condition.
A pre-existing condition is any injury, illness, disease or other medical condition that occurs prior to the travel plan’s effective date and for which you had symptoms and sought diagnosis, medical treatment, and/or new prescription medications or a change in your current prescription.
Some travel insurance plans cover medical costs relative to pre-existing conditions by offering a waiver to the exclusion. Having pre-existing coverage means that the medical coverage provided by your policy is in effect because the pre-existing exclusion is waived.
The look-back period is the amount of time prior to your travel policy’s effective date that the insurance company will review for pre-existing conditions if you end up filing a claim. If you were medically stable during the look-back period, it is not considered a pre-existing condition.
The term medically stable means that you’ve had no new medical condition and no prescription medication changes during the look-back period. You must be medically stable when you purchase the travel plan and if a claim is made.
The amount of time in the look-back period varies from plan to plan, but is typically between 60 and 180 days. Any medical condition that existed during the look-back period is considered a pre-existing condition if you had symptoms and/or were treated or had a change in your prescription medications.
If a medical condition is defined as a pre-existing medical condition and you don’t purchase the pre-existing condition exclusion waiver, you will have no effective medical coverage for losses caused by the pre-existing condition on your trip (ther medical losses would be covered if unrelated to the pre-existing condition). In addition, you won’t have trip cancellation or trip interruption coverage if your trip is canceled or interrupted due to the pre-existing condition.
So, what qualifies as a pre-existing condition?
|SITUATION||IS THIS A PRE-EXISTING CONDITION?|
|You have high cholesterol. You’ve been under medical care and have been prescribed medication. There have been no changes to your medication and you have not sought additional medical treatment during the look-back period.||No, because you were considered medically stable throughout the look-back period. Your travel medical coverage will be in effect without having to purchase a pre-existing condition waiver.|
|Your daughter has type 1 (juvenile) diabetes. She’s doing well, but her insulin requirements fluctuate on a daily basis. This is normal for diabetics.||Yes, because insulin is medication and the fact that the dose changes often means she’s not considered medically stable. You’ll need to purchase the pre-existing coverage waiver to have medical coverage on your trip.|
You may be asking, “What happens if I book a trip that starts within that 10-14 day time frame?” That’s OK too as long as the window from the purchase of your trip insurance doesn’t exceed the time limit, the pre-existing medical condition coverage will apply.
Travel insurance medical plans adhere to the first rule that coverage automatically excludes pre-existing conditions. Only travel insurance package plans offer the ability to waive the pre-existing condition exclusion as long as the insured follows the rules for purchasing it within the appropriate time frame and covering the full length and cost of the trip.
|POLICY||COMPANY||IF PURCHASED WITHIN||LOOK-BACK PERIOD||POLICY LIMIT|
|Basic||Allianz||14 days||120 days||$10,000|
|Deluxe||Allianz||14 days||120 days||$50,000|
|Classic||Allianz||14 days||120 days||$20,000|
|Custom Luxe||CSA||1 day (24 hours) of final payment||180 days|
|Global Alert Preferred||Global Alert||15 days||60 days|
|Global Alert Preferred Plus||Global Alert||15 days||60 days|
|No coverage||Global Underwriters|
|No coverage||HTH Worldwide|
|Advantage Complete||MH Ross||15 days||60 days|
|Advantage Asset||MH Ross||15 days||60 days|
|Advantage Bridge||MH Ross||15 days||60 days|
|RoundTrip Choice||Seven Corners||10 days||60 days|
|RoundTrip||Seven Corners||10 days||60 days|
|Travel Basic||Travelex||15 days||60 days|
|Travel Select||Travelex||21 days||60 days|
|Sportsman’s Travel||Travel Guard||15 days||180 days||$30,000|
|Platinum (Cruise, Tour & Travel)||Travel Guard||15 days||60 days||$50,000|
|My Travel Guard||Travel Guard||21 days||180 days||$50,000|
|Gold||Travel Guard||15 days||180 days||$30,000|
|Adventure Travel||Travel Guard||15 days||180 days||$30,000|
|Savvy Traveler||Travel Guard||15 days||180 days||$15,000|
|Silver||Travel Guard||15 days||180 days||$15,000|
|Select Elite||Travel Insurance Services||21 days||60 days||$60,000|
|Select Plus||Travel Insurance Services||15 days||60 days||$60,000|
|Select Basic||Travel Insurance Services||15 days||60 days|
|Trip Protector Lite Expanded||Travel Insured||14 days||60-180 days *|
|Worldwide Trip Protector||Travel Insured||14 days||60-180 days *|
|Worldwide Trip Protector Gold||Travel Insured||30 days||60-180 days *|
|Protect-a-Group||TravelSafe||15 days||60 days|
|Vacation||TravelSafe||15 days||60 days|
|Vacation Classic||TravelSafe||15 days||60 days|
* Subject to your state of residence.
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.