How Travel Insurance with Preexisting Conditions Works

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Vacations can be fun. However, there are some things that you need to foresee so that you have peace of mind. You also want the assurance to be well taken care of in unforeseen circumstances. Finding health insurance can be easy. When there are preexisting conditions, finding good coverage would be a great decision. You can avoid unpleasant surprises that may be awfully costly if you do not have insurance.

You need to know that the preexisting condition coverage is not always readily available. However, you can get it through an exclusion waiver. The waivers are put in place to ensure that you are adequately protected.

Preexisting conditions are defined as diseases, illnesses, and injuries that have happened prior to the traveling date, although you may have sought treatment for these conditions already. Before offering coverage, the insurance companies will have doctors who will test you to find out if you are medically stable. This is typically done between 60 and 180 days before the traveling date. If you are found to not be stable during this examination, you have a pre-existing condition.

What Is Not Covered In Preexisting Conditions?

The preexisting conditions do not apply to emergency situations such as accidental deaths and dismemberment, baggage delays, repatriation or collision damage waivers. Travel insurances are the only type of insurance that allows the inclusion of preexisting conditions. This is why you need to ensure you compare several insurance policies to find a plan that is suitable to your needs.

Ensure you always read the fine print of such policies and waivers, so you are not left footing the bill due to an issue regarding your preexisting conditions and other travel conditions.

How They Work

You need to know that preexisting insurance works just like regular insurance. The only main difference is that it also covers your care for the condition you have had or are currently suffering from. There are a few things you need to do to make sure that you are adequately covered.

Declare Your Medical Conditions, or You Will Not Be Covered

Even before the insurance company does the examination to determine whether you are medically stable, you need to ensure that you declare your preexisting conditions. If you do not declare your condition and there is an issue when you are on your vacation, the company will not be responsible for what happens to you. You will have to cover the treatment from your own pocket, which can be expensive.

Ensure the Policy Is What You Need

Before you sign up, ask as many questions about the coverage as you need. Also, read and re-read the policy to ensure that it covers everything the company says it will cover. You also need a written record in case the company decides that they will not be covering. That way, they will reimburse you for the money you spent on treatment.

Group Coverage Is Not a Good Idea

Sometimes, people traveling together have the idea to take the group insurance cover. While it is essentially cheaper, it can be expensive if you have an issue during your vacation. But, you need to know that group coverage is based on the person with the highest risk. This means you may have to pay more than you would have if you took a single cover.

You also get to enjoy cheaper cover if you travel often and frequently. Therefore, if you love traveling or are always traveling because of work and family, single coverage is a better option. Also, your insurance company will often give you a discount.

You May Need an Add-On to the Policy

There are instances where you have to get an add-on from the travel insurance that covers pre existing conditions, like if you’re going on a cruise. For sports activities, you need to get sports cover just in case you are injured in the process.


There are many facets to travel insurance, especially if you are traveling with a preexisting condition. You may need to do more research on preexisting conditions before you choose one company. Keep in mind that you can never be too informed, especially as far as your health is concerned. Make sure the policy will cover everything you need to be safe and happy during your trips.

Categories: Travel