You might think of a pre-existing condition as meaning anything you’re being treated for at the time you buy your travel insurance. the definition is actually broader than that. allianz global assistance defines a pre-existing medical condition as:
an injury, illness, or medical condition that, within the preceding 120 days and including the date of purchase of your policy:
- caused a person to seek medical examination, diagnosis, care, or treatment from a physician;
- presented symptoms; or
- requires a person to take a medication prescribed by a physician (unless the condition or symptoms are controlled by that prescription and the prescription has not changed).
It is important to know that the illness, injury or medical condition does not need to be formally diagnosed to be considered a pre-existing medical condition.
Let’s consider some scenarios:
- sudden, debilitating pain in an arthritic knee forces him to cancel his planned hiking trip to iceland. Since he saw his doctor about the twinge in his knee three months ago, it is considered a pre-existing condition.
- while walking around shanghai, you have a mild heart attack. Because you were diagnosed with coronary heart disease three weeks before purchasing travel insurance, this is considered a pre-existing condition.
- He was diagnosed with lupus many years ago, but has been in remission. you feel pretty good when you book your cruise to bermuda, except for a little fatigue and a rash. then the Caribbean sun triggers a serious bout of lupus, sending him to the hospital. Because he had symptoms when he booked his trip, this is considered a pre-existing condition.
2. travel insurance requirements to cover pre-existing medical conditions
If you have a pre-existing medical condition, that doesn’t mean you can’t get travel insurance or that you shouldn’t travel at all. you just have to read the insurance policy documents very carefully to make sure you meet all the requirements. as conde nast traveler says, “it is better not to make assumptions. Coming home in pain is bad enough. don’t escalate it by unnecessarily paying thousands of dollars that you could use on your next trip.”
certain allianz global assistance plans may include coverage for pre-existing medical conditions as long as you:
- Your policy was purchased within the timeframe specified in your plan (usually 14 days from the date of payment or deposit for the first trip). In other words, don’t miss out! weather! buy travel insurance as soon as you book your trip, so you don’t forget.
- are US residents.
- Make sure you’re medically fit to travel on the day you purchase the plan. Don’t assume you’re cleared to travel just because you feel fine that day. If you live with a chronic condition, or if you recently had surgery or cancer treatment, it’s a good idea to get your doctor’s written approval to travel.
- on the date of policy purchase, insure the full non-refundable cost of your trip with allianz global assistance, including travel arrangements that will become non-refundable or subject to cancellation penalties between the policy purchase date and departure date. Be sure to include your airfare, hotel reservations, tour reservations, and any other non-refundable costs when you insure your trip. If you incur additional non-refundable travel expenses after purchasing your policy, you must insure them with us within 14 days of purchase. if you don’t, those expenses will still be subject to the pre-existing medical condition exclusion.
3. what is excluded from travel insurance coverage for pre-existing conditions
While most pre-existing conditions are covered by Allianz Global Assistance travel insurance, there are some exceptions. mental and nervous health disorders and normal pregnancy, for example, are not covered. If you want to make sure your particular condition is covered, talk to an insurance specialist before you buy.
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Also, check the cap on travel costs. for the onetrip prime plan, for example, the total cost of your trip must not be more than $50,000 per person.
why allianz global assistance offers the best travel insurance for pre-existing medical conditions
If you have any type of chronic health problem, travel insurance can save your vacation, or even your life. The best travel insurance for pre-existing conditions is Allianz Global Assistance’s OneTrip Prime plan, which includes extensive coverage for covered emergency medical expenses while abroad (up to $50,000). You also get emergency medical transportation benefits of up to $500,000 to travel to the nearest appropriate medical facility or to return home. this is huge, especially if you have a serious condition that might require advanced treatment. the onetrip premier plan doubles these amounts.
allianz global assistance travel insurance may also include trip cancellation and interruption benefits to reimburse you for non-refundable travel payments, should you have to cancel your trip due to your covered pre-existing medical condition or other covered reason . You also get personalized, one-on-one help in emergencies from our hotline staff. Every day they help travelers experiencing medical emergencies, lost documents, travel delays and other crises, all over the world. but, according to our hotline experts, the hardest thing they face is having to tell a seriously ill client that their pre-existing medical condition is not covered. That’s why it’s so important to follow the rules and comply with the requirements.
Do you have questions about choosing the best travel insurance for your covered pre-existing medical condition? Call our travel insurance advisors anytime at 1-866-884-3556. travel happy!
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