Thanks to the help of our travel insurance provider, USI Travel Insurance Services, we now have some helpful tips on those pre-existing condition questions we receive.
TRAVEL INSURANCE SELECT Pre-Existing Medical Condition - A Frequently Misunderstood Term Is it really a pre-existing condition? The term may mean one thing to you, your doctor or your medical insurance company but another to our Travel Insurance Select policy. The golden number for our policy is 60 days. The 60 day period immediately prior to the insurance purchase, is what the claims department will review when a claim is submitted. A new condition, a change in medication or dosage during that period would be considered a pre-existing condition. The taking of medication to control an on-going condition if the medication or dosage does not change is not considered a pre-existing condition. A heart condition, high blood pressure, Asthma, etc. may be considered by most to be a Pre-Existing condition but not necessarily with the Travel Insurance as long as the condition remains stable within that 60 day period. There always seems to be panic when travelers miss the 15/21 day early purchase window. They are convinced they must have the “waiver” because they have a medical condition. Frequently, when questioned, they are referring to a past condition or a present condition that is controlled by medication and in that case would not be considered a pre-existing condition by the travel insurance. And another fact, the pre-existing medical condition of an immediate family member not traveling does not come into play. Pre-exisiting conditions only apply to the traveling parties. The definition in the Description of Coverage is very specific, however, that confirmation is sent once the insurance is purchased. That document is provided for review on your co-branded page as well as our web site. I hope this provides a clearer picture for you of the policy definition of Pre-Exisiting Condition. For further information please visit our website : TravelInsuranceServices.com/CalDiscoveries
Posted on December 2, 2009 - 12:47pm