Is she right in what she says?

  • by wings
  • Aug 10,2017
  • 13 answers

My travel agent says that regarding pre-existing conditions..if I had medication that had not been changed for 3 months..that condition is considered to be stable. If I were to buy the travel insurance today, that particular condition would be considered 'stable'..but if my doctor were to change the medication say in the next day or so, it wouldn't matter because I bought the policy before the change in medication. She also said this varies from Insurance company to Insurance Company. Somehow I'm not really comfortable with what she says about this.
Is she right?


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Insurance Answers (13)

rusty last month

no

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opol last month

Yes

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Vincent G last month

Jjhbjk

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Md Ohidur last month

Yes, She is right.

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paradise last month

yea

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Insurance Pickle.com last month

Highly suspect. If you bought a policy and had a prescription change a day or two later, I would assume you knew that ahead of time. I have people buy disability insurance the day after they find out they're pregnant wondering why they were denied. Insurance is meant for unforeseen circumstances. It typically depends on WHEN you put a deposit on the travel and it depends on what the pre-existing condition clause says for THAT policy. Just read the policy language. It's usually pretty straight forward.

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H. Marie last month

the effective date of the policy and the conditions at that time control

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lucy last month

https://www.allianztravelinsurance.com/t...
Site attached only talks about this travel insurance company and “guessing” that many others are the same.
As a general rule, most doctors will prescribe a medicine, and w/in 30 to 90 days follow up to see (if) the RX was effective or not to resolve whatever the reason for prescribing it. If not working out, then the doctor will change the RX to another to see if it resolves or not.
Good examples are high cholesterol or high blood pressure. The RX keeps them down to “normal” levels which is the result that both you and your doctor wanted.
But, the reason for the RX is now a pre-existing condition, that (if) something happens as a (result) of that condition, “might” not be covered.
My suggestion like 1 poster stated is to talk to another agent for a 2nd opinion.

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Bostonian In MO last month

Ask to see a copy of the policy. Terms vary widely from company to company as well as for different policies issued by the same company.

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anon last month

should Trump supporters be the first to be drafted to go to N Korea

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frank lynn last month

You're screwed. Don't travel.

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Linda last month

Sounds like you're trying to pull a fast one.

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DEBS last month

Personally, I would take someone's advice who does this for a living as opposed to random know-it-alls on the internet. If I needed a 2nd opinion, I would talk to another person who does this for a living.

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