Pre existing conditions are a very crucial factor in your travels and it is important to know how they can affect different travel insurance plans before you purchase any. By knowing what to expect, you can hopefully save as much money on your insurance as possible.
To determine if a person has a pre-existing condition, the insurance company will need to know if you’ve displayed symptoms, been treated or consulted for a condition in the past either 60 or 180 days, depending on the company. Most travel insurance policies by default will not cover any pre-existing conditions. Rather, you will have to purchase additional coverage to supplement the original plan you get. Some insurers will not cover any sort of pre-existing condition while others will be more lenient but simply require certain circumstances to be met. For instance, if your condition has been stable for an extended amount of time, usually more than several months, the insurer may decide to provide coverage for you when otherwise they might not have. Your doctor can also aid in the process by providing written or verbal notice that you are well enough to safely travel. This means that you have not already taken a “turn for the worse” and that your physician does not believe you will during the duration you will be traveling.
During the claims process, travel insurance companies may request written information from your doctor to determine whether your condition was pre-existing. They may also ask you to fill out a questionnaire related to your claim and medical condition. However, it is imperative to answer honestly because if it is revealed that you withheld information, they may have grounds to deny your claim, whether or not it pertains to a pre-existing condition.
Different travel insurance companies will provide different ranges of coverage at varying prices and the best way to do research between multiple companies is to shop for quotes online. You can easily compare travel insurance prices in real time and even purchase right online. Some sites will even show you the rates other competitors offer. Many insurers will allow you to be covered as long as whatever emergency you face doesn’t pertain to your pre-existing condition. This is good because it still provides you with some basic coverage meaning you are not completely vulnerable during your travels.