What Does Insurance Consider a Pre-Existing Condition?

Travel insurance companies can deny medical-related claims if you have a pre-existing condition. This means that if you’ve sought treatment, experienced symptoms, or taken medication for a condition within a few months before your trip, any related medical expenses incurred during your travels might not be covered. For instance, if you have a history of heart disease and experience a cardiac event while traveling, your travel insurance provider could deny your claim if the condition is considered pre-existing. Understanding what qualifies as a pre-existing condition and how to navigate these exclusions is crucial for ensuring you're adequately protected during your travels.

What Qualifies as a Pre-Existing Condition?

A pre-existing condition is any illness, injury, or medical situation for which you’ve received treatment, experienced symptoms, or taken medication before purchasing your travel insurance. Common examples include chronic conditions like high blood pressure, diabetes, heart disease, asthma, or even recent surgeries. Insurance companies typically look at your medical history within a specified "look-back" period, usually ranging from 60 to 180 days before the start of your policy. If any medical issue during this period fits the criteria, it’s likely to be considered a pre-existing condition.

What Is a Pre-Existing Medical Exclusion Waiver?

A Pre-Existing Medical Exclusion Waiver is an add-on to your travel insurance policy that allows coverage for pre-existing conditions, which would otherwise be excluded. This waiver is crucial for travelers with chronic illnesses or recent medical treatments who want peace of mind knowing they are covered. It’s important to note that this waiver must be purchased within a specific time frame, usually within 14 to 21 days of your initial trip deposit.

How to Get a Waiver for a Pre-Existing Condition

To obtain a waiver for a pre-existing condition, you typically need to purchase your travel insurance policy shortly after making your first trip payment, often within a 14-21 day window. You must also be medically stable and able to travel at the time of purchasing the policy. Some insurers may require additional documentation or a medical review to grant the waiver.

What Documents Are Needed for a Pre-Existing Condition Exclusion Waiver?

When applying for a pre-existing condition exclusion waiver, you may need to provide medical records that detail your health status, treatment history, and any medications you are taking. Your doctor may also need to provide a statement confirming your ability to travel. Be sure to check the specific requirements of your insurance provider, as they can vary.

Pre-Existing Conditions Not Eligible for a Waiver

Some conditions may not be eligible for a waiver, especially if they involve terminal illnesses or conditions that are not medically stable at the time of travel. Conditions that are likely to require emergency care or hospitalization during your trip may also be excluded.

What Counts as a Pre-Existing Condition?

Any condition for which you’ve received medical treatment, had symptoms, or taken medication within the insurance company’s look-back period generally counts as a pre-existing condition. This includes both chronic and acute illnesses.

Is High Blood Pressure a Pre-Existing Medical Condition for Travel Insurance?

Yes, high blood pressure is considered a pre-existing medical condition by travel insurance providers. If you’ve been treated for or prescribed medication for high blood pressure within the look-back period, it will be classified as a pre-existing condition.

Is Diabetes Considered a Pre-Existing Condition for Travel Insurance?

Yes, diabetes is typically considered a pre-existing condition. Whether managed by medication, diet, or insulin, diabetes falls under the category of chronic illnesses that travel insurance companies consider pre-existing.