Traveling with a pre-existing health condition can be challenging, but you can always reduce the risk with the best travel insurance. This article will provide you more details.
Imagine that you’re a diabetic traveling in a foreign country.
You fall sick and have to cut your trip short and pay thousands of dollars out of pocket for treatment while you’re abroad.
No one wants such a horrible experience, but it can happen if you don’t have travel insurance for pre-existing conditions.
There are certain trips that you must have travel insurance that covers pre-existing medical conditions.
For instance, if you’re traveling for a long time or traveling to a country with a very expensive healthcare system.
Even very short trips that are low-risk shouldn’t be made without travel insurance that covers pre-existing conditions.
Insurance is extremely important, more so for someone with an underlying chronic condition.
You shouldn’t ignore travel insurance altogether, assuming your pre-existing condition isn’t covered.
There are many insurance providers who do cover existing conditions.
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How Do Travel Insurers Define Pre-Existing Conditions?
If you’ve ever bought any kind of insurance, you’d know that the language of the policy matters a lot.
So you have to pay attention to how the insurer defines any pre-existing condition, as that will determine whether or not your particular condition will be covered.
Most travel insurers consider any illness, injury, or condition as pre-existing that required the person to seek medical help before they bought the insurance.
You see, they don’t even mention chronic illnesses. By this definition, the pain in your back that you saw a doctor for could be considered as pre-existing.
While many travel insurances simply don’t cover any kind of pre-existing conditions, some do. These insurers can cover certain medical conditions that existed 60 to 180 days before the purchase date of the insurance.
This means any of your chronic conditions that you’ve had for years or have acquired recently will be covered under the plan, except otherwise stated.
The good thing is you might not need an official diagnosis to prove you have a pre-existing condition.
Can You Get Pre-Existing Condition Waiver After Buying Insurance?
You might be able to ask for a pre-existing condition waiver in the two to three weeks period after you booked for the trip and got insurance for the full trip expense.
For instance, if you booked a trip and bought the insurance and afterward got diagnosed with a disease, you may ask your insurance provider for a pre-existing condition waiver. This simply means that they’ll include the coverage in your insurance for the newly diagnosed condition.
Your insurer might charge more, but that’s typically not the case. This is applicable as long as you’re still medically stable enough to travel.
This really depends on the insurance company, as it’s at their discretion whether they give you a pre-existing condition waiver after you’ve bought the plan.
Are All Pre-Existing Conditions Covered?
While the pre-existing clause in your insurance would ideally cover many common chronic illnesses such as cardiovascular disease or diabetes, it might not cover all kinds of pre-existing conditions.
There are certain mental conditions many travel insurers don’t cover. This may include dementia, Alzheimer’s disease, depression, or drug addictions.
Pregnancy isn’t exactly a pre-existing condition, but some travel insurance providers may not cover normal child delivery.
International travel insurance for pre-existing conditions doesn’t just depend on what conditions you have but also the entire cost of your trip. If you’re insuring for trip costs exceeding $50,000 per person, your insurer might not cover your already existing medical conditions.
It’s important to note that the Affordable Care Act (ACA) doesn’t implement the pre-existing coverage requirement for travel insurers.
So, while your private health insurance provider might be bound by law to cover your pre-existing condition, the travel insurer isn’t.
See Related: Best Travel Insurance for Diabetics
Does Travel Insurance Cover Covid-19?
We’re sure most travelers are concerned whether their insurance covers Covid-19.
Since it’s a global pandemic, you have to take into account that you could get it abroad as well.
The policy coverage of Covid-19 varies by insurance providers. Many are including it in their travel insurance, often because it’s mandated by the countries. For instance, the European Schengen Area has made it mandatory for travelers to have insurance that covers Covid-19, the illness caused by the new coronavirus.
However, the scenarios can affect the coverage. For example, your insurance may cover your traveling expenses if you had to cancel plans because of testing positive for coronavirus.
Similarly, you may not be covered for any medical expenses incurred by contracting coronavirus if you traveled against government advice.
So it really comes down to nitty-gritty details about Covid-19 coverage that you have to look out for.
Best Travel Insurance for Pre Existing Conditions
So who is the best travel insurance provider when it comes to covering pre-existing conditions? Well, there are many such providers available in the US and in other countries.
The best way to go about looking for travel insurance is to first travel insurance marketplaces like Aardy or TravelInsurance.com. Their extensive database with dozens of providers can help you compare plans, coverage, and prices.
It’s important to make sure that you provide any medical conditions that you already have when looking for travel insurance.
To make things easier for you, we have compiled the four best travel insurance that covers pre existing conditions.
World Nomads is the best place to find all kinds of travel insurance, especially if you’re an American.
They have flexible plans that provide more than decent coverage for most of your medical expenses abroad, including for pre-existing conditions.
Although they haven’t named pre-existing conditions specifically, they do cover stable and controlled medical conditions. At the same time, any pre-existing medical conditions that are unstable or not under control would not be covered.
An example of an under control or stable condition could be diabetes. If you take medications and generally have your blood sugar levels under control, you may be covered for this chronic condition.
It’s best to confirm with the company when getting a quote and letting them know the exact medical conditions.
The great thing is that it’s not just for US residents; if you live in another country, you can still use World Nomads to buy your travel insurance. They cover residents in over 140 countries.
There are basically two plans on offer: Standard and Explorer. The exact coverage amount and, ultimately, the premium varies between the two.
The benefits include trip protection, medical emergency, medical evacuation, and even your luggage or gear. The Explorer plan is more expensive and provides more coverage in terms of money.
The age limit is also pretty high, with people as old as 70 years getting travel insurance with pre-existing conditions. Furthermore, if you’re already on the go without insurance, you can still buy one.
Obviously, it would cover the period that begins after you’ve purchased it.
In addition to your medical conditions, they also cover over 200 adventure activities. This can come in handy for people who may have a higher risk of doing certain activities, like hiking to higher altitudes.
Travelex Insurance Services
Travelex Insurance Services is another best travel insurance for pre-existing conditions. Their Travel America and Travel Select Plans can cover some already existing medical conditions.
The terms and conditions may vary, but you’ll get all the information when you get a quote.
This is another benefit that you get a quick quote and all the details whether your conditions are covered or not. That way, you can compare with other plans and insurance providers on this list or elsewhere.
Travel America plans cover domestic travel within the US. You may think that you don’t need insurance traveling locally, but anything can happen.
The US is a big country, and your existing healthcare insurance may not cover medical expenditure regarding your pre-existing conditions in every state, especially if the insurance network is limited.
For pre-existing conditions, there’s a 15-day exclusion waive in the Travel Select plan. Moreover, this plan also covers children 17 or under at no extra cost. The coverage for emergency medical expenses is $50,000.
You can also get customized upgrades to meet your specific needs. This customization is very important if you have special circumstances or you’re going to a very risky destination.
Furthermore, you can also get an Adventure Sports to upgrade to cover any risky activities you’ll take part in while you’re abroad.
They also offer a basic insurance plan Travel Basic which is cheaper but doesn’t cover children and any pre-existing conditions.
Allianz is a global insurance company that specializes in travel insurance. The German company provides travel insurance in the US as well and covers certain pre-existing conditions.
Their timeframe of considering a condition or injury as pre-existing is 120 days. Suppose you’ve been diagnosed or treated by a doctor for a condition in the 120 days period before and including the day of your purchase of insurance.
This also includes prescriptions: if you were prescribed medication for something in that period.
Other conditions include that you purchased the plan within 14 days of making the first purchase for the trip, for example, a ticket or hotel booking. You should also be medically able to travel despite your medication condition.
While written approval from a doctor isn’t necessary, it’s recommended if you’ve had surgery or cancer treatment recently.
Their insurance plans with coverage for pre-existing medical conditions are available to US residents. There are certain conditions that are not covered, which include mental health conditions, as well as a normal pregnancy.
The cost of the trip cannot exceed $50,000. As for the coverage, their OneTrip Prime Plan covers children under the age of 17 with parents or grandparents as well for free. It can cover medical expenses for up to $25,000 and medical transportation for up to $500,000.
There aren’t any age limitations for buying OneTrip Prime or OneTrip Premium plans. Annual travel insurance plans often have the same cost regardless of age.
They provide insurance for many destinations around the world, including those that you must have insurance for.
Much like any other major insurance provider, Avanti is also covering Covid-19, which is essential for people with pre-existing conditions. As we know by now, individuals with pre-existing conditions are at more risk of mortality by Covid-19.
For those who have serious medical conditions and are old, they have special Medical Travel Insurance. This insurance doesn’t have any upper age restrictions, so it’s ideal for people over 65 who are often not covered by many healthcare providers.
You also have the option to go for Annual Travel Insurance plans, which are ideal for individuals and families who are taking long trips or frequently traveling throughout the year.
You can get a quote online or call on their toll-free contact number, which is active 24/7.
What really distinguishes Avanti from some of the travel insurers in the US is that they provide unlimited medical expense coverage. This means that there isn’t a limit to the amount of coverage they provide in case of a medical emergency.
Avanti also covers cruise trips, which is something some travel insurers may not include in the plans.
Nevertheless, make sure to read the policy terms and conditions thoroughly. See what kind of travel and activities the plan covers.
See Related: Best Sites for Booking Tours
Is Travel Insurance Really Important?
Travel insurance for pre-existing conditions is highly important if you have any such conditions. Even if you think your conditions are pretty much in control and you’re in the best shape, you don’t want to take any risk.
Getting sick in another country with inadequate insurance can be a nightmare that can even prove fatal, or at the very least, cost you thousands of dollars.
Make sure to buy travel insurance as soon as you’ve booked your trip.
Many plans only provide coverage for existing conditions if you buy soon after booking the itinerary.
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