TRAVEL INSURANCE...How does the pre-existing condition thing work?

  • by wings
  • Nov 02,2017
  • 7 answers

I purchased travel insurance for my upcoming trip in Dec. The policy was purchased Sept. 7/2017. My question is about the pre-existing condition(s). One person tells me the medical condition must be stable 3 months PRIOR to the purchase, while another person says 3 months FROM the date of purchase. At the time of purchase my medications hadn't been change in well over a year. I do wonder about this in the event my Dr. should change my medication in the next few days. I'm not saying it will happen, just that it might.
It makes more sense to me that the 'stable' would apply 3 or more months PRIOR to the puchase of the policy.
What's your opinion? Thanks!!!!


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Insurance Answers (7)

Jessica last month

...

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Casey Y last month

Your travel insurance will pay for emergencies, but it will not pay for medication that was previously prescribed. Get sick on vacation, that penicillin might (probably) be covered.
Have a condition requiring maintenance medication or treatment (ie. cancer drugs or dialysis), they aren't paying.

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H. Marie last month

travel insurance is not health, so it wouldn't matter what your pre condition was,the insurance only covers your travel, an accident or something that interferes with your travel

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Insurance Pickle.com last month

My opinion is that you should read the policy. It'll be in there. Nobody here could answer because we don't know what that says. AND, even different policies at the same company could be worded differently. It typically is prior to purchase, but also matters about the difference in time between deposit date for the trip AND the purchase of travel insurance. That can alter how pre-existing conditions are handled.

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Bostonian In MO last month

Read the policy. It will spell it out.

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Fizzy Bubbler Can't B last month

"One person tells me the medical condition must be stable 3 months PRIOR to the purchase, while another person says 3 months FROM the date of purchase." ~This means the same thing.
Anyway, you'll not be covered for your condition as it's pre-existing from your description. Travel insurance is for acute medical conditions that arise during your insured travel period. If you have proper medical insurance, you should check with your insurer whether it will cover you while travelling overseas. It may, depending on the policy / insurer.

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Storm last month

Usually, if you have a pre-existing condition, and someone happens that you need medical care for that pre-existing condition why you are traveling, they will not cover your medical costs for it, but they will cover medical costs if you have an issue come up with anything other than any pre-existing condition.
This is just general. You need to read the fineprint of the insurance you buy.

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