Does Travel Insurance Cover Pre-Existing Medical Condition Check Ups?

by Steve Dasseos on April 2, 2008

Does your overseas insurance cover me, for a pre-existing medical condition, if I had to go to a hospital while on my trip, and got a check up? Thanks, Sheng

Hi Sheng, Assuming you live in the US or Canada, then the only way any medical condition (pre-existing or not) is covered is if something unexpected happens that causes you to seek “Emergency Treatment”. Here’s a common definition:

“Emergency Treatment means necessary medical treatment, including services and supplies, which must be performed during the Covered Trip due to the serious and acute nature of the Accidental Injury or Sickness.”

By the way, this doesn’t mean the sickness is accidental – just accidents are accidental. This also means that a routine check-up or any other routine procedure isn’t covered.

But, let’s say you have some pre-existing medical condition & it unexpectedly takes a turn for the worse. If, in the course of you seeking Emergency Treatment, the medical professionals treating you perform a check up or another procedure that’s part of treating you, it will be covered.

Go here to see What Is Covered (Or Not)?.

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