Travel Insurance With Pre-Existing Medical Conditions
All insurance policies have stipulations for pre-existing conditions and so does travel insurance. However, the unique and temporary nature of this insurance policy makes the infamous pre-existing condition an altogether different creature.
Definition Pre-Existing Condition
A pre-existing condition is any medical condition, change in medication or treatment that takes place anywhere from 120 to as little at 14 days prior to the start of a policy. Conditions include illness, injuries or even symptoms.
Travel insurance companies require that travelers with pre-existing conditions carry their own private or government sponsored health insurance. You may also have to gain medical clearance for travel or purchase additional insurance against trip cancellation.
Pre-existing condition waivers are essentially the travelers insurance company’s permission to obtain the insurance despite your pre-existing condition. If you do not obtain the waiver, then the coverage will be denied for the traveler with the condition.