Pre-Existing Conditions: Impact on Travel Insurance Premiums

A pre-existing condition is defined as any medical condition that existed with reasonable medical certainty usually at least 180 days prior to the start date of coverage. However, it is important to read your plan document carefully for a full explanation of all terms and conditions.

If a tourist becomes ill, is diagnosed with something new, or changes their prescriptions in any way during the travel period, that illness will be considered pre-existing.

Although you may still be able to buy travel insurance if you have a pre-existing condition, understand that your premium will probably cost more, and the coverage is likely to be not as extensive as someone who does not have any health concerns.

When applying for travel insurance, you will be asked to disclose any pre-existing conditions that you have. Being honest when answering this question is crucial, as if you are not, your claims could be denied.

Research various travel insurance policies and make sure to compare them before you purchase if you have a pre-existing condition. By doing this, you guarantee that not only will you get the coverage needed, but also at an affordable price.

With most travel insurance policies, any medical conditions you had before getting the policy are not covered. But some policies will make an exception.

If you want a pre-existing medical condition exclusion waiver, generally speaking, you can only get one within 14 to 21 days of making an initial deposit for your trip. You have to insure the full nonrefundable costs of the trip as well. The best thing to do is buy travel insurance immediately after booking your trip--just make sure that your policy includes the exclusion waiver.

Failure to get a waiver means your travel insurer won't foot the bill for any medial bills or coverage claims related to your recent medical history, such as high blood pressure or asthma. So if you have a heart attack while on vacation and didn't obtain a waiver, emergency care costs and evacuation fees must all be covered by you.

The best way to avoid issues is to understand the pre-existing condition waiver exclusion and purchase your policy as soon after booking your trip as possible.

A waiver is ideal, but note that not all medical conditions will be covered by travel insurance, such as:

• Illness or injury related to alcohol or drug abuse
• Complication-free pregnancy or childbirth
• Dementia
• Anxiety
• Pandemic

It is important that you check with your provider on their terms and conditions.

If you have any medical conditions prior to buying a policy, your premium may be higher. That's because people who have pre-existing conditions are more likely to claim their travel insurance.

If you have a waiver, your insurance company will still cover you even if you have to cancel your trip due to a pre-existing medical condition.

Always scan through your travel insurance policy before your trip to see what is included in the coverage. This way, you will not be taken aback by any extra charges on pre-existing conditions. In addition, be informed of the limit regarding medical evacuation and travel medical insurance to steer clear of unwanted surprises.