Do Pre-Existing Diseases Get Excluded From Any Travel Insurance?

Travel insurance policies typically exclude pre-existing conditions from coverage, but in some cases, a pre-existing medical condition exclusion waiver can be obtained. The Centers for Disease Control and Prevention (CDC) recommends that people with pre-existing health conditions get travel medical insurance if they plan to travel. To qualify for a pre-existing condition waiver, you must purchase the policy within 10 to 21 days of making your first trip payment and insure ALL prepaid non-prescribed medical conditions.

Most travel insurance companies offer waivers for pre-existing stable medical conditions, but not all policies will cover pre-existing conditions. Some pre-diagnosed health conditions are excluded from Allianz Global Assistance’s travel insurance coverage, such as mental and nervous health conditions. When buying travel insurance, it is essential to declare any pre-existing conditions, whether you have recently been diagnosed or not.

While most pre-existing conditions are covered by Allianz Global Assistance travel insurance, there are a few exceptions, such as mental and nervous health disorders. While most travel insurance policies do not cover any pre-existing illness or any condition that may hamper your trip, this doesn’t mean that you can’t get coverage for these conditions.

In summary, while most travel insurance policies exclude pre-existing conditions from coverage, some policies may offer a pre-existing condition exclusion waiver. It is crucial to declare any pre-existing conditions when purchasing travel insurance to avoid being denied coverage.

What qualifies as a pre-existing condition?

Insurance companies are prohibited from denying coverage for pre-existing health conditions, such as asthma, diabetes, or cancer, or from imposing higher premiums, until new health coverage becomes effective. This stipulation pertains to both pre-existing conditions and coverage for pregnancy and childbirth.

Will travel insurance cover pre-existing conditions?

It should be noted that travel insurance does not provide coverage for pre-existing medical conditions that are not currently stable. Nevertheless, it provides coverage for services and care that are not directly related to the condition in question. The requisite duration of stability for a pre-existing condition is contingent upon the individual’s age and the type of coverage in question. For further details, please see the question “Why purchase travel insurance if my pre-existing condition is excluded from coverage?”

How to avoid pre-existing condition exclusion?

The Affordable Care Act (ACA) mandates that health plans obtained in the individual/family or employer-sponsored market are fully compliant, eliminating pre-existing condition exclusion periods. However, enrolling in Medicare and a Medicare Supplement plan requires understanding these regulations. If a plan is not ACA-regulated, it may not cover pre-existing conditions. Therefore, it is crucial to choose ACA-compliant health plans as they are designed to protect consumers and ensure coverage when needed.

What is considered a pre-existing medical condition?

Insurance companies are prohibited from denying coverage for pre-existing health conditions, such as asthma, diabetes, or cancer, or from imposing higher premiums, until new health coverage becomes effective. This stipulation pertains to both pre-existing conditions and coverage for pregnancy and childbirth.

Do any insurers cover pre-existing conditions?

Underwriting for insurance requires a medical history questionnaire and sometimes insurer access to the records. The insurer decides whether to insure or exclude a pre-existing condition. Moratorium underwriting may exclude certain pre-existing conditions. If a claim is made for a pre-existing condition, treatment may be denied or the policy may be cancelled. It’s crucial to provide the insurer with a comprehensive health history to make an informed decision about coverage and ensure you know which conditions are insured and which aren’t.

Does AXA travel insurance cover pre-existing conditions?

A pre-existing medical condition does not automatically invalidate an individual’s eligibility for AXA travel insurance coverage. However, claims arising from such conditions are not covered. In order to file a claim for these conditions, the Money and Pensions Service provides a directory of insurance policies. To obtain further information, please contact us on 0800 138 7777 between the hours of 8 a. m. and 6 p. m. on weekdays. The complete set of terms and conditions can be accessed via the Membership Home page.

What if pre existing conditions are not declared?

Non-disclosure, when an individual fails to disclose their pre-existing conditions during the insurance application process, can lead to significant consequences, especially during the claims process. Insurance providers view non-disclosure as a breach of trust and a violation of policy terms and conditions. Policyholders must be transparent and provide accurate information about their health status when applying for coverage, as full disclosure ensures the insurance company has a comprehensive understanding of the individual’s health risks and can set appropriate coverage terms. Failure to disclose pre-existing conditions can jeopardize successful claims and even lead to policy cancellation in extreme cases.

How far back is a pre-existing condition?

A pre-existing medical condition is a disease, illness, or injury that has been present for at least five years before the person’s joining date. Health insurance typically doesn’t cover pre-existing conditions. Chronic conditions are persistent, long-lasting, and require ongoing treatment, rehabilitation, or special training. They can continue indefinitely, have no known cure, and may return or be likely to return.

They require ongoing monitoring through consultations, examinations, check-ups, and tests. These conditions are often life-long and limiting in quality of life, and can only be managed through medication, diet, or lifestyle changes.

How long ago is a pre-existing condition?

A pre-existing medical condition refers to a disease, illness, or injury that has been present for at least five years before the individual’s joining date. Health insurance typically doesn’t cover pre-existing conditions. Chronic conditions are persistent, long-lasting, and require ongoing treatment, rehabilitation, or special training. They can continue indefinitely, have no known cure, and may return or be likely to return.

They require ongoing monitoring through consultations, examinations, check-ups, and tests. These conditions are often life-long and limiting in quality of life, and can only be managed through medication, diet, or lifestyle changes.

What is not covered by Allianz travel insurance?

Travel insurance typically does not cover claims related to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, travel advisories, or fear of travel. However, some popular insurance plans have added covered reasons related to COVID-19. Benefits vary by plan and state of residence, and are not available in all jurisdictions. For more information, visit the Epidemic Coverage Endorsement page in your plan details and read the COVID-19 FAQ or COVID-19 Coverage Alert. To understand all covered reasons in your specific plan, carefully read your plan documents.

What is the time limit for pre-existing conditions?

Travel insurance companies have a “look-back period” of 60-180 days for pre-existing conditions to be considered stable. To qualify for a waiver, the condition must not have changed or worsened within this period, and there must be no new treatments, medications, diagnoses, or scheduled procedures. For comprehensive travel insurance plans, the pre-existing conditions waiver extends to traveling companions and immediate family members, and some policies even cover trip cancellations and interruptions due to non-traveling family members’ medical issues. Travel medical insurance waivers cover only the policyholder and have a look-back period of up to three years.