Travel Insurance And Pre-Existing Conditions: Here's Everything You Need To Know

Travel Insurance

Travel insurance provides coverage against flight cancellations, luggage loss, and medical emergencies.

Pre-Existing Conditions

This is a condition which includes an illness or injury diagnosed by a physician not more than 36 months prior to the policy start date.

What Is Covered

It is usually only during life-threatening situations with a restricted sum insured limit that the pre-existing conditions apply. 

Basic Travel Insurance Policies

The basic travel insurance policies provide coverage to the limited coverage for life-threatening emergencies during travel, even if they are caused by a pre-existing condition.

Eligibility

All applicants are required to disclose all the relevant medical history when the policy is purchased. 

Coverage

The insurer offer coverage with certain restrictions and exclusions, or it may also request additional medical information before issuing the policy.

What Is Not Covered

It does not cover travel done against the medical advice where the patient is waiting for treatment or an operation. 

Terminal Diseases

The advanced-stage terminal diseases with poor prognosis are not covered. 

Keep In Mind

One should be careful about the conditions and stipulations set out in the policy's fine print to know what is and is not covered. 

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