What Does Medically Stable Mean?
Medically Stable includes the concept that the Pre-Existing Medical Condition of a traveler, a traveling companion or a non-traveling family member) must not be foreseen to “take a turn for the worse”.
|As you look and call around, you will find a wide range of advice & opinions as to what exactly it means to be Medically Stable. In order to better explain this, there are a few concepts that are good for you to understand:
1) Foreseen or expected to “be a turn for the worse” – If you’re given a week to live and you want to buy travel insurance for a cruise next month, you can’t cover the Pre-Existing Medical Condition. It’s like wanting to buy Fire Insurance when your house is on fire.
2) Medically Able To Travel – The insured traveler must be able to travel / take a trip on the day they buy their travel insurance. It doesn’t have to be the exact trip you are insuring. Your doctor has to state that you could leave today on a trip. For example, if you had surgery yesterday, you probably cannot travel today. It doesn’t matter if your doctor says you’ll be able to travel in a few weeks from now. You will not be covered if you buy travel insurance today. If you are unsure, ask your doctor if you can travel today.
What else is important?
These plans (CSA Freestyle, IMG & TravelSafe Classic) cover stable pre-existing medical conditions on non-traveling family members even if you’re past the pre-existing medical condition waiver deadline for the travelers themselves.
A cynic might say, “Any insurance company will always turn down any claim”. I can’t speak for all insurance companies, but the travel insurance companies we offer all have claim departments staffed by people. You are working with real human beings who have a heart and want to help you.
But, why are there so many denied claims? I (Steve) firmly believe that the majority of denied claims are because the insured travelers either received the wrong advice prior to purchase or that they were sold the wrong policy by an uninformed travel insurance seller. You get our help with claims. We have never had a legitimate claim turned down from any of our companies since we started in 2001. We even help you if you didn’t buy from us.
Travel insurance providers’ Medically Stable rules apply to the Covered Person’s medical condition on the day they get their travel insurance. If you are one of the travelers, you must be “medically able to travel when you pay your premium (get your travel insurance)”. In other words, your doctor says you can travel. If your doctor’s saying you can’t travel, but you insist you can travel, the insurance company will always side with your doctor.
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.
PPPS - The Trip Cancellation coverage begins at 12:01 a.m. on the day after the date the policy is purchased. All other coverages begin when you leave home for your trip when your departure date is in the future.
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