Essential information on medical conditions and travel insurance coverage
Traveling with pre-existing medical conditions no longer needs to be a source of concern, thanks to our comprehensive travel insurance plans. Our website offers a pre-existing conditions waiver as part of our travel insurance policy at no extra cost, aiming to ensure a memorable trip for all the right reasons.
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. However, conditions treated solely through prescription drugs that remain stable without changes in dosage or frequency during the 180-day period prior to coverage are not considered pre-existing conditions.
To qualify for the pre-existing conditions waiver, one must purchase the policy within 14 days of the initial trip deposit and be medically able to travel when purchasing the policy. This waiver helps protect individuals with pre-existing medical conditions during their travels.
The process for submitting a claim for pre-existing medical conditions on our website is straightforward and user-friendly. Here's a step-by-step guide:
1. **Notify the Insurer Promptly** As soon as you need to make a claim related to your pre-existing medical condition, contact our insurance provider. This can be done through our website or mobile app, where you start the claim process by answering questions about your incident or condition.
2. **Gather and Prepare Documentation** Collect all necessary supporting documents such as your travel insurance policy number, medical certificates, receipts for medical expenses, proof of diagnosis or treatment, and any other relevant records like police reports or cancellation confirmations.
3. **Complete the Claim Form Accurately** You will be required to fill out a claim form provided by our insurance company. Ensure you provide clear, accurate, and complete information about your condition and the incident that led to your claim, including dates and specific medical details.
4. **Submit the Claim and Documentation** After filling out the claim form, submit it along with all supporting evidence through our website or app. Updates on the claim status can be tracked in real time through our app.
5. **Follow Up as Needed** Once submitted, our insurer will review the claim. You may be contacted for additional information or clarification. Keep copies of all correspondence and continue to cooperate promptly to help your claim be processed smoothly.
It is crucial to declare all relevant medical conditions upfront to ensure your coverage is valid. Failure to do so may result in claims being denied or your policy being voided.
In addition to pre-existing condition coverage, our travel insurance plans may also cover pregnancy complications while traveling. Furthermore, our website provides 24/7 support for various travel-related issues, such as finding a doctor or locating a pharmacy.
Remember, a medical evacuation from Europe without pre-existing condition coverage can cost between $65,000 and $90,000. By choosing our travel insurance, you can travel with peace of mind, knowing you're protected from takeoff to landing and every moment in between.
Safe travels!
- For individuals with pre-existing medical conditions, purchasing travel insurance within 14 days of the initial trip deposit is essential to qualify for the pre-existing conditions waiver.
- If you need to make a claim related to your pre-existing medical condition while traveling, contact our insurance provider promptly through our website or mobile app.
- To submit a claim for pre-existing medical conditions, gather all necessary supporting documents such as medical certificates, receipts for medical expenses, and proof of diagnosis or treatment.
- It is crucial to declare all relevant medical conditions upfront when purchasing travel insurance to ensure your coverage remains valid, as failure to do so may lead to claims being denied or your policy being voided.
