There are two ways in which the travel insurance companies may look into pre-existing conditions for non-traveling family members.
- The first is to use the same limitation they do for travelers and
apply the pre-existing condition period (60-180 days back from the
purchase date of the policy). This will exclude coverage for any condition
that they received treatment, diagnostic testing or medication
changes for in that time. The only way around this is to have a
Pre-Existing Conditions Waiver, which has the following
- You must purchase the policy within 10-30 days of the initial deposit/payment towards the trip (varies by company)
- The non-traveling family member must be in good health as of purchase of the policy
- You must insure for 100% of your prepaid and non-refundable trip cost.
- The second is to look at the 'unforeseen worsening of condition', which simply means that if it is unexpected that the non-traveling family member's health would take a turn for the worse (according to their medical records at the time of purchasing the policy) they would consider it an unforeseen occurrence. This does not have an eligibility requirement, but the worsening must be unexpected.
The best way to determine whether or not a company will consider existing conditions an exclusion for non-traveling family members is to call our Customer Care center and have one of our licensed representatives advise you on which policy is ideal for you.
Other than that, you can also look in the policy certificate (accessed by clicking Full Details on a quote) and checking the exclusion for pre-existing conditions. If the policy specifies “family member booked to travel with you” then they will look at the unforeseen worsening of condition. If the certificate does not specify this, then they will look at pre-existing conditions for non-traveling family member the same as they would for a traveler.