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What is the Travel Insurance Pre-Existing Medical Condition Lookback Period & How Does It Work?

In case it’s not clear, you can cover Pre-Existing Medical Conditions when you buy your policy by the deadline and fulfill all the other rules. Go here for the details.

The Pre-Existing Medical Condition Lookback Period is a period of time, usually the 60, 90, 180 days prior to the travel insurance policy’s coverage effective date, that defines a 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 (this includes being referred to a medical professional for any reason); 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 day Lookback Period prior to the day you buy a travel insurance policy.

What during the Lookback Period causes a medical condition to be considered a Pre-Existing Condition?

If the person with the condition has any symptoms, appointment or visit or consultation with a medical professional, test, diagnosis, medication adjustment or change, then this condition would be considered pre existing.

The Pre-Existing Medical Condition exclusion can not only apply to you, the insured, but, for some coverages, can also apply to your traveling companions and traveling or non-traveling family members. Click here to learn more about who is defined as traveling companions and family members.

What problems can arise when a condition is a pre-existing medical condition?

Here’s an example:
Let’s say you have high chloresterol. You’re fine now. Your condition is completely controlled with no diagnosis, care, consultations with any medical professional, treatments nor any changes in medication within the time frame required by your plan. Therefore if the condition has remained stable, and all insured’s are medically able to travel when the coverage is purchased it would not be considered a pre-existing medical condition.

Medically Stable means that in the 60, 90 or 180 days (depending on the provider) prior to, and including, the day you buy travel insurance, there can’t have been any medical condition which:

  1. Manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment;
  2. Required the taking of 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
  3. Required medical treatment or treatment was recommended by a legally qualified physician.

If 1, 2 or 3 apply and you’re past the first 14, 15, 20, 21 or 30 days after you made your initial trip deposit or more than 24 Hours after you paid your final trip payment, you won’t have any coverage for claims from that pre-existing medical condition.

This is important: Here’s how the Travelex Select and Travelex Max plans define a medical condition that is not stable: “a diagnosed sickness from which no recovery is expected and which only palliative treatment is provided and which carries a prognosis of death within 12 months of your Effective Date; Sickness, Injury or Death if insurance is purchased after entering a hospice facility or receiving hospice treatment.” The reason this is important is because the Travelex Select and Travelex Max plans’ waiver of the pre-existing medical conditions exclusion does not override this General Exclusion. General Exclusions are important because they always apply to an insurance policy.

Here Are The Lookback Periods:

Provider & summary page links The Lookback Period (number of days)
CSA – both CSA Freestyle plans 180 calendar days
Global Alert Preferred 180 calendar days
Travelex Select 60 calendar days
Travelex Max 60 calendar days
Travel Guard Gold 180 calendar days
Travel Guard Platinum 90 calendar days
Travel Insured WTP & Plus 60 calendar days
TravelSafe Classic 60 calendar days before the policy purchase date

Ready to Purchase? It's easy and safe to purchase online or over the phone - just call Deanna, Becky, Kim or Steve at (888) 407-3854 or (816) 282-6858.

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PPS - Even though TripInsuranceStore.com is the world's most informative travel insurance website, you are still responsible to know the coverage terms, conditions, limitations, and exclusions of your plan. No comments or explanations confirm or deny coverage. You need to refer to each plan's policy wording. Click here to get each plan's complete details of coverage.

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