Essential information on pre-existing medical complications and travel insurance coverage
In the realm of travel, unexpected medical emergencies can be a cause for concern. To alleviate this worry, it's essential to understand travel insurance policies and their coverage for pre-existing medical conditions. Here's a step-by-step guide on how to ensure your pre-existing conditions are covered.
1. **Select a Plan with Pre-Existing Condition Coverage** To have your pre-existing condition covered, you must choose a travel insurance policy that includes a Pre-Existing Medical Condition Exclusion Waiver or explicit coverage for existing conditions. This often requires meeting specific criteria like being medically fit to travel at the time of purchase. Our website offers such plans, including coverage for pregnancy complications while traveling.
2. **Declare Your Pre-Existing Medical Conditions** During the online application process, you will be asked to declare any pre-existing conditions. This is done through a medical screening stage where you answer questions about your current health status, medications, recent treatments, and diagnoses. Accurate and full disclosure is critical, as failure to declare pre-existing conditions can void your policy.
3. **Prepare Documentation for the Claim** When filing a claim, gather all necessary documents such as your travel insurance policy number and provider details, medical reports or certificates confirming your condition and any treatments received, receipts for medical expenses or other costs related to your condition, and any relevant proof, such as cancellation confirmations if your trip was interrupted due to your pre-existing condition.
4. **Complete the Claim Form Accurately** Fill out the claim form carefully, providing clear and factual descriptions of the incident or treatment related to your pre-existing condition. List each claimed expense separately with corresponding evidence to avoid processing delays.
5. **Submit the Claim Online or by Provider’s Specified Method** Most travel insurance providers allow claims to be submitted through their website or via email/fax. Follow the insurer’s instructions precisely for claim submission. Our website, for instance, allows you to track updates on your claim in real time through its app and offers 24/7 support to help with finding a doctor, locating the nearest pharmacy, and handling unexpected challenges.
By following these steps carefully, you ensure that your pre-existing medical conditions are considered in your travel insurance claim, increasing the likelihood of successful coverage. It's crucial to remember that pre-existing conditions are defined as any illness, disease, or other medical condition that required treatment, prescriptions, or medical examinations within 180 days prior to purchasing a travel insurance policy.
It's also important to note that medical evacuation from Europe without pre-existing condition coverage can cost between $65,000 and $90,000. Treatment abroad may not be covered by your health insurance without pre-existing condition coverage, making travel insurance with pre-existing condition coverage an essential investment for peace of mind during your travels.
[1] Our website offers a pre-existing conditions waiver that removes the typical exclusion for pre-existing conditions if certain criteria are met: purchasing the policy within 14 days of the initial trip deposit and being medically able to travel when the policy is purchased.
[2] Pre-existing medical conditions waiver is automatically included in our website's travel insurance policy if you qualify.
[3] Pre-existing conditions that are treated solely through prescription drugs that remain stable without changes in dosage or frequency during the 180-day period prior to coverage are not considered pre-existing conditions.
[4] To submit a claim, navigate to the 'File a claim' section on our website app. Filing a claim for a pre-existing condition involves uploading proof of trip, physician documentation, and proof of qualification for the waiver on our website app.
[5] If you're planning a trip and have pre-existing medical conditions, it's highly recommended to consider travel insurance with pre-existing condition coverage to protect yourself from potential financial risks.
- For comprehensive travel insurance coverage, select a plan that includes Pre-Existing Medical Condition Exclusion Waiver or explicit coverage for existing conditions.
- During the application process, accurately declare any pre-existing medical conditions during the medical screening stage, answering questions about your current health status, medications, recent treatments, and diagnoses.
- When filing a claim related to your pre-existing medical condition, prepare all necessary documents such as medical reports, receipts for medical expenses, and relevant proof of the incident.
- Fill out the claim form carefully, providing clear and factual descriptions of the incident or treatment, and list each claimed expense separately with corresponding evidence.
- Submit the claim online or through the provider’s specified method, ensuring to follow the insurer's instructions precisely for claim submission.
- Remember that pre-existing medical conditions are defined as any illness, disease, or other medical condition that required treatment, prescriptions, or medical examinations within 180 days prior to purchasing a travel insurance policy.
- To protect yourself from potential financial risks, consider travel insurance with pre-existing condition coverage, especially if you have a chronic disease or complex medical history.
