Plane tickets? Check!

Hotel reservations? Check!

Pre-paid excursions? Check!

Travel protection? Check! Check!

Pre-existing conditions? Huh??

It’s the last thing on your mind when planning your trip, but questions about pre-existing conditions do come up. Why? Because if you have an illness or injury before or during your trip due to a pre-existing condition, it may affect the coverage you get on your plan. That’s why getting answers to your questions about pre-existing conditions is best and we’re here to help. Let’s get started!

Does My Condition Count as a Pre-Existing Condition?

The best way to find out is to check your travel plan document and view our guidelines for pre-existing conditions. Two questions to keep in mind are:

  • Did you start receiving medical treatment for an illness, disease, or other condition in the 60 days* prior to the start of your plan?
  • If you were already taking medication for a condition, were there any adjustments or changes to the medication within that 60-day* window?

If you answered “yes” to either one of those questions, there are limitations in our plans that may apply to you.** Our plans include a Pre-Existing Condition Exclusion.  That means if you have an illness or injury on your trip and need to receive medical treatment because of your pre-existing condition, the exclusion may make you ineligible for benefits. You may also be ineligible for benefits if your pre-existing condition causes you to cancel or interrupt your trip.

Is There a Way to Cover Trip Losses Caused by a Pre-Existing Condition?

Yes. We offer plans that can waive the pre-existing condition exclusion. Our Worldwide Trip Protector and Worldwide Trip Protector Plus plans include a Pre-Existing Condition Exclusion Waiver, which makes you eligible for coverage regardless of a pre-existing condition.

How Can I Become Eligible for the Waiver?

There are three requirements to qualify: ***

  • Purchase a Worldwide Trip Protector or Worldwide Trip Protector Plus plan within 21 days of the date your airline, hotel, cruise or other travel supplier receives your first payment toward your trip.
  • Insure all your nonrefundable, prepaid expenses like excursions, event tickets, etc. You must also insure any additional travel arrangements made after your plan is purchased within 21 days of paying for them.
  • You cannot be disabled from travel when you purchase your plan

How Can I Get More Information?

A pre-existing condition doesn’t have to put a sour note on your vacation plans. It is totally possible to protect your trip even with a pre-existing condition in the picture. So, go ahead. Make your travel plans! Travel Insured is here to help you get the most out of your travel protection.

 

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*Pre-existing conditions have to exist during the 60 days prior to your effective date in the Worldwide Trip Protector series of plans available in most states, however, this may vary by state and by plan design.  Review the definition for ‘Pre-Existing Condition” in your plan document for more details.

**Additional conditions could qualify as pre-existing conditions under our plans.   Review the definition for “Pre-Existing Condition” in your plan document for more details.

***The qualifications listed only apply to the Worldwide Trip Protector and Worldwide Trip Protector Plus plans available in most states.  Qualifications may vary by state and by plan design.  Review your plan document for more details.