Essential Information on Pre-existing Health Problems and Travel Coverage
In today's world, travel has become an essential part of life for many, but for those with pre-existing medical conditions, planning a trip can be a daunting task. Fear not, as our website is here to help make your journey memorable for all the right reasons.
Our platform offers 24/7 support, ready to assist you in finding a doctor, locating the nearest pharmacy, and handling unexpected challenges that may arise during your travels. But what about travel insurance? We've got you covered there too.
A pre-existing condition refers to any illness, disease, or other medical condition that required treatment, prescriptions, or medical examinations within 180 days prior to purchasing travel insurance. If your condition has been adjusted due to the worsening of the condition being treated within this period, or if you have received a prescription for medication within the same timeframe, it is considered a pre-existing condition.
To ensure you are adequately protected, it's crucial to declare all pre-existing medical conditions when purchasing travel insurance. Failure to do so can lead to claim denial. With our website, there is no age restriction or extra cost for the pre-existing conditions waiver. Some travel insurance plans offered on our website may even cover pregnancy complications while traveling.
The pre-existing conditions waiver on our website waives the typical exclusion for pre-existing conditions if the policy is purchased within 14 days of the initial trip deposit and the policy buyer is medically able to travel at the time of purchase.
If a medical emergency abroad triggered by your pre-existing condition occurs, gather all relevant medical reports, hospital bills, prescriptions, and proof of prior medical history. To file a claim for a pre-existing condition on our website, log in to the our website app, navigate to the 'File a claim' section, upload your documents, and add any relevant details as prompted.
The general process involves:
- Declaration at Purchase: When buying travel insurance, complete a medical screening honestly, declaring all pre-existing medical conditions you have (including chronic illnesses like heart problems, diabetes, asthma, etc.).
- Selecting Appropriate Coverage: Ensure your policy includes a pre-existing condition waiver or coverage option, as standard travel insurance often excludes these conditions unless specifically included.
- Documentation: In the event of a medical emergency abroad triggered by the pre-existing condition, gather all relevant medical reports, hospital bills, prescriptions, and proof of prior medical history.
- Filing the Claim: Contact your insurer promptly as per their instructions (usually via specific claim forms on their official website or customer support line). Submit all supporting documents along with a completed claim form.
- Claims Assessment: The insurer will review your claim based on the declared pre-existing condition and look-back period (typically 60 days before policy start to assess symptoms or treatments) to verify coverage eligibility.
In summary, the key to successful claims for pre-existing medical conditions on travel insurance is upfront disclosure during the application, choosing a plan with adequate coverage, timely submission of detailed documentation, and adherence to the insurer’s claim procedures.
For exact filing instructions, required forms, contact details, and deadlines, check your specific insurance provider's “Claims” or “Pre-existing Conditions” section on our website. You'll even get updates on your claim directly in the our website app.
Travel with confidence, knowing that our website is designed to provide protection from takeoff to landing and every moment in between.
- Our website provides 24/7 support to assist you in managing your health needs during travel, including finding a doctor and locating the nearest pharmacy.
- It's crucial to declare all pre-existing medical conditions when purchasing travel insurance from our website to ensure adequate protection, as failure to do so can lead to claim denial.
- Some travel insurance plans offered on our website include coverage for pregnancy complications while traveling.
- In case of a medical emergency abroad triggered by your pre-existing condition, gather all relevant documents such as medical reports, hospital bills, prescriptions, and prior medical history to file a claim on our website.
