Pre-Existing Conditions Waiver

A Pre-Existing Conditions Waiver is a benefit that can be purchased either in addition to, or as part of, a travel insurance Comprehensive Plan. Usually, if you are in a position where you need to file a travel insurance claim due to illness of some kind, the insurance company retains the right to look back through your medical records for a defined period of time (generally this is anywhere from 60-180 days prior to the effective date of your insurance, depending on the policy and provider), to help them determine whether or not your illness resulted from a known pre-existing condition. If you have a Pre-Existing Conditions Waiver, however, the company literally waives its right to that look-back period, which can be very good news for travelers who have chronic but well-managed medical conditions.

Important things to note when researching Pre-Existing Conditions Waivers include:

Eligibility requirements

In order to purchase a Pre-Existing Conditions Waiver, you will generally need to meet a set of criteria outlined by the travel insurance company. Most companies stipulate that you must buy your travel insurance policy within 10-14 days of making your initial deposit on your trip in order to be eligible for the Pre-Existing Conditions Waiver. In addition, you must be medically able to travel as of the day that your travel insurance takes effect.

Written by on 9/11/13.
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E.g., would my husband's high blood pressure be considered a "pre-existing condition" which would exclude coverage if he had a stroke or heart-attack, etc.
Pat,
11/20/2013

Answer:


Each plan has a Pre-Existing Condition Period, The Pre-existing condition period is the number of days that the insurance company will "look back" from the day the insurance was purchased, to see if your claim is related to a Pre-Existing Medical Condition. If the reason you are canceling, interrupting or seeking medical coverage is related to pre-existing conditions there will be no coverage. A Pre-Existing Condition is any diagnostic tests or exams, any recommendations for diagnostic test or exams, or any adjustments in medication up or down in the past 60 days to 3 years (depending on the company). Most policies will offer a waiver of pre-existing conditions if you meet the following conditions: You purchase the policy within 10 to 21 days of making your first trip payment; insure ALL prepaid non-refundable expenses prior to your departure date; and be medically fit to travel the day you purchase the policy.
MattM,
Customer Care insureMyTrip
11/20/2013
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Question:


Medical Pre-existing condition waiver: If a small deposit was made through a travel agent over a year in advance (August 2013) for a cruise, would the date for purchase of insurance be that date or the date required for making the final payment (June.2014)?
PeteL,
02/20/2014

Answer:


The initial payment made in August would be the initial trip payment, if this was just a case of you putting a deposit down on a scheduled cruise.
David M.,
Customer Care insureMyTrip
02/20/2014
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If I buy insurance at the time of my initial deposit and I later decide not to go on the trip and ask for a refund of my deposit within the terms of the agreement, can I also get a refund of the insurance?
SuzanneW,
03/14/2014

Answer:


Most of the plans have a 10-14 day review period in which you would receive a refund of premium if you do not need the insurance. If you are filing a claim, you would not also be reimbursed the premium, since the reason you are paying the premium is to be insured to be reimbursed for your claim, not the premium.
NicholeH,
Customer Care insureMyTrip
03/14/2014
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If you bought insurance for the full cost of the trip, cancelling within the time period the trip provider states you would get 1/2 of your cost back, would insurance pay just the remaining half?.
LouiseL,
03/20/2014

Answer:


Correct. If you are able to recover any portion of your trip cost from your travel supplier, then that amount will not be paid again by the travel insurance. Only expenses that you do not get back can be reimbursed.
David M.,
Customer Care insureMyTrip
03/20/2014
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