Pre-Existing Conditions and Non-Traveling Family Members

There are two ways in which the travel insurance companies may look into pre-existing conditions for non-traveling family members.

  1. 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 requirements;
    • 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.
  2. 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.

Written by on 8/30/13.
1 person found this helpful.
Was this helpful?

Ask an Expert

Question:


My father in law is terminally ill with cancer and is in hospice care. There is obviously a pre-existing condition and I am well outside of the window for purchasing a CFAR or pre-existing condition waiver however I am still eligible to purchase a trip cancellation/interruption policy for my cruise. If he were to die while I was away or just before departure would the trip cancellation benefit be honorered or denied?
Brian,
05/03/2014

Answer:


I would recommend insuring with the company Travel Guard. They do not consider death related to pre-existing conditions. They offer several Comprehensive Package Plans, Basic, Silver, Gold and Platinum. Any of these plans would cover for Trip Cancellation or Trip Interruption if your father in law were to pass away after purchasing the insurance.
NicholeH,
Customer Care insureMyTrip
05/03/2014
1 person found this helpful.
Was this helpful?

Responses

Question:


Do any of the travel insurance companies have age restrictions on who they will insure?
Regina,
12/29/2013

Answer:


We do not have a list of the ages at which certain companies "cut off" insuring individuals, but if you enter the travelers ages any available plans based on that age will appear with a price, and would be valid for a traveler of that age.
ChristopherG,
Customer Care insureMyTrip
12/29/2013
1 person found this helpful.
Was this helpful?

Responses

See all questions
Ask A Question