{"id":3132,"date":"2013-05-09T02:23:48","date_gmt":"2013-05-09T07:23:48","guid":{"rendered":"http:\/\/www.TripInsuranceStore.com\/blog\/?p=3132"},"modified":"2013-05-09T02:23:48","modified_gmt":"2013-05-09T07:23:48","slug":"why-should-you-have-pre-existing-medical-conditions-coverage","status":"publish","type":"post","link":"https:\/\/tripinsurancestore.com\/blog\/why-should-you-have-pre-existing-medical-conditions-coverage\/","title":{"rendered":"Why Should You Have Pre Existing Medical Conditions Coverage?"},"content":{"rendered":"<div align=\"right\"><a title=\"Subscribe to my Wall Street Journal Recommended Blog\" href=\"http:\/\/eepurl.com\/wCXYr\" target=\"_blank\" rel=\"noopener noreferrer\">Subscribe<\/a><\/div>\n<blockquote><p>Hi Steve, I guess we&#8217;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<\/p><\/blockquote>\n<p>Hi Linda,<\/p>\n<p>Thanks for writing. I have a page that explains Pre-Existing Medical Conditions in greater detail (<a title=\"What is a Pre-Existing Medical Condition?\" href=\"https:\/\/tripinsurancestore.com\/how-travel-insurance-pre-existing-medical-conditions-coverage-works\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/tripinsurancestore.com\/how-travel-insurance-pre-existing-medical-conditions-coverage-works\/<\/a>), but I&#8217;m happy to explain the basic concepts for you here.<\/p>\n<p>Pre-Existing Medical Conditions could affect you 3 ways:<\/p>\n<ul>\n<li>You are forced to cancel your trip<\/li>\n<li>You need medical coverage on your trip<\/li>\n<li>You need to return home early<\/li>\n<\/ul>\n<p>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.<\/p>\n<p>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.<\/p>\n<p>Pre-Existing Medical Conditions coverage also applies to a non-traveling family member, or a traveling companion, or a traveling companion&#8217;s non-traveling family member.<\/p>\n<p>If there are no concerns about a potential Pre-Existing Medical Condition causing a trip cancellation or trip interruption, then there&#8217;s no reason to insure for it. The cost is the same with or without the pre-ex coverage.<\/p>\n<div align=\"center\"><a target=\"_blank\" href=\"https:\/\/www.tripinsurancestore.com\/wp-content\/uploads\/2013\/05\/preexisting.png\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" alt=\"How to get pre-existing conditions coverage\" src=\"https:\/\/www.tripinsurancestore.com\/wp-content\/uploads\/2013\/05\/preexisting-189x300.png\" alt=\"How to get pre-existing conditions coverage in a travel insurance plan\" width=\"189\" height=\"300\" class=\"size-medium wp-image-3023\" \/><\/a><br \/>\n<a title=\"What is a Pre-Existing Medical Condition?\" href=\"https:\/\/www.tripinsurancestore.com\/wp-content\/uploads\/2013\/05\/preexisting.png\" target=\"_blank\" rel=\"noopener noreferrer\">Click to enlarge<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Subscribe Hi Steve, I guess we&#8217;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, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-3132","post","type-post","status-publish","format-standard","hentry","category-ask-steve-dasseos"],"_links":{"self":[{"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/posts\/3132","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/comments?post=3132"}],"version-history":[{"count":0,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/posts\/3132\/revisions"}],"wp:attachment":[{"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/media?parent=3132"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/categories?post=3132"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/tags?post=3132"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}