Hi Steve, I guess we’re still not clear on pre-existing conditions and just how that relates to a trip and why we need it. Please explain and sorry if you already have, we just need clarification. We have pretty darn good insurance that always reimburses us for anything that happens overseas. Linda
Hi Linda,
Thanks for writing. I have a page that explains Pre-Existing Medical Conditions in greater detail (https://tripinsurancestore.com/how-travel-insurance-pre-existing-medical-conditions-coverage-works/), but I’m happy to explain the basic concepts for you here.
Pre-Existing Medical Conditions could affect you 3 ways:
- You are forced to cancel your trip
- You need medical coverage on your trip
- You need to return home early
Pre-Existing Medical Conditions coverage is important is because you may not want to lose the money you paid for the trip if that condition worsens and forces you to cancel or interrupt your trip. Or if you needed medical treatment on your trip from that Pre-Existing Medical Condition.
A Pre-Existing Medical Condition is any medical condition (no matter how minor), which manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; or which medical advice, diagnosis, care or treatment was recommended or received; or required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or required medical treatment or treatment was recommended by a Legally Qualified Physician during the 60, 90, 180 or 365 day Lookback Period prior to the day you buy a travel insurance policy.
Pre-Existing Medical Conditions coverage also applies to a non-traveling family member, or a traveling companion, or a traveling companion’s non-traveling family member.
If there are no concerns about a potential Pre-Existing Medical Condition causing a trip cancellation or trip interruption, then there’s no reason to insure for it. The cost is the same with or without the pre-ex coverage.
I hope this makes sense. If you want the right travel insurance advice, call us at 1-888-407-3854 and we'll help you figure it all out.
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