FACTS ABOUT TRAVEL INSURANCE & PRE-EXISTING MEDICAL CONDITIONS FROM INSUREMYTRIP.COM
WARWICK, RI, JULY 22, 2008—InsureMyTrip.com, the leading online travel insurance comparison site, reports that an overwhelming number of today’s consumers share a common concern: can you purchase travel insurance if you have a pre-existing medical condition?
“First and foremost, consumers need to know that Pre-existing Medical Condition Waivers are available on many of our comprehensive Trip Cancellation Package Policies,” explains Jim Grace, President and CEO of InsureMyTrip.com. “These policies offer a full complement of benefits including coverage for pre-existing medical conditions. Additionally, to fully take advantage of these waivers, you need to understand some of the purchase requirements and policy terms.” InsureMyTrip sheds light on this issue by answering these frequently asked questions:
Q. What is a Pre-existing Medical Condition?
A. It is a medical condition, injury, disease, or illness that occurred prior to and including the effective date of your insurance. This condition may apply to you, a traveling companion, family member, or business partner.
Q. What is a ‘look back’ period?
A. This is the number of days that the insurance company will ‘look back’ from the date the insurance was purchased to see if your claim is related to a pre-existing medical condition. The ‘look back’ period varies by company and plan and does not apply if you qualified for the Pre-existing Medical Condition Waiver offered by many plans.
Q. What is a Pre-existing Medical Condition Waiver?
A. Every policy has a pre-existing medical exclusion, meaning that coverage is not available for pre-existing medical conditions. A Pre-existing Medical Condition Waiver essentially deletes that exclusion and extends your policy to cover pre-existing condition-related risks.
Q. When is the best time to buy travel insurance to obtain a Pre-existing Medical Condition Waiver?
A. To be eligible for a Pre-Existing Medical Condition Waiver, the majority of travel insurance policies require that you purchase your policy within 7 to 21 days of your initial trip deposit and insure for the full amount of your non-refundable travel arrangements.
“Bottom line,” says Grace, “Pre-existing Medical Condition Waivers are a must-have if you have a recent history of health issues, from a heart condition to cancer or concerns about the health of a non-travelling family member.” InsureMyTrip.com’s expert Customer Care representatives can help you navigate the complexities of this multi-faceted insurance, whether you simply need one question answered or want step-by-step help in selecting a travel insurance policy. Call (800) 487-4722 to speak with a licensed travel insurance professional, or visit www.InsureMyTrip.com to learn about protection plans that put you in control of your travels.
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Established in 2000, InsureMyTrip.com is the leading, consumer-oriented online travel insurance aggregator worldwide. Featuring insurance comparisons from the top industry providers, InsureMyTrip.com is a unique, one-stop resource designed to meet consumers’ comprehensive travel insurance needs all in a secure environment. InsureMyTrip.com also specializes in providing integrated technology solutions for the travel insurance industry, with over 2,000 private-labeled and co-branded travel-related websites around the globe. InsureMyTrip.com is headquartered in Warwick, RI with additional offices and data centers in Connecticut and Oregon.