Travel Insured International stands as a reliable ally when it comes to securing comprehensive travel insurance. Whether you are planning a brief weekend escape or an extensive international journey, we are dedicated to offering robust protection tailored to your specific requirements. From unforeseen trip cancellations and medical emergencies to lost baggage and beyond, our plans are designed to provide extensive coverage, allowing you to concentrate on fully enjoying your travel experiences with peace of mind.
We pride ourselves on delivering professional claims processing and accessible, informed customer support. At Travel Insured International, we streamline the process of navigating unexpected travel disruptions. Since our inception in 1994, we have been a steadfast support for adventurers worldwide, empowering them to explore confidently. Our decades of industry expertise and unwavering commitment to customer satisfaction underpin every policy. Choosing Travel Insured International means opting for dependable protection and the invaluable peace of mind that comes from knowing your travel investment is well-protected.
Travel Insured’s diverse range of travel protection plans can offer benefits even when your travel disruptions are related to pre-existing medical conditions.
Understanding Pre-Existing Medical Conditions
It’s important to understand what constitutes a pre-existing condition in the context of travel insurance. Travel Insured International defines a pre-existing condition as any illness, disease, or medical condition that required medical advice, diagnosis, care, or treatment during a specified “look back” period. This definition applies to:
- You, the insured traveler
- Your traveling companion(s)
- Family members (whether traveling or not)
- Business partners
For a comprehensive and precise definition, please refer to the official Plan Document.
Pre-Existing Condition Exclusion Explained
What is the “Look Back” Period?
The “look back” period is a crucial concept. It refers to the period of time immediately preceding the date your travel insurance coverage becomes effective. If you, a traveling companion, family member, or business partner experienced symptoms, were diagnosed, or received treatment for a condition within this “look back” period, it may be classified as a pre-existing condition.
Unless you qualify for a Pre-Existing Condition Exclusion Waiver, any claim arising from a pre-existing condition that occurred within the “look back” period will typically be excluded from your travel insurance coverage.
It’s important to note that the length of the “look back” period can differ depending on the specific travel insurance plan you choose. Always consult your plan document for the exact duration.
Waiver of the Pre-Existing Condition Exclusion: Gaining Comprehensive Coverage
Many travel insurance plans offered by Travel Insured International provide an opportunity to waive the Pre-Existing Condition Exclusion. This waiver can be invaluable for travelers concerned about their pre-existing health conditions affecting their travel plans. To be eligible for this waiver, typically two main conditions must be met:
- Time-Sensitive Purchase: The travel insurance plan must be purchased within a specific timeframe after making your initial trip deposit. This timeframe is crucial and varies by plan.
- Travel Eligibility: You must not be disabled from travel at the time you purchase the insurance plan. This means you are medically fit to travel when you buy the policy.
The Worldwide Trip Protector plans—Platinum, Deluxe, and Essential—generally include exclusions for Trip Cancellations and Trip Interruptions stemming from pre-existing medical conditions. However, Travel Insured International offers a waiver to remove this exclusion if you meet certain criteria. Specifically, to qualify for the waiver under these plans:
- Your plan must be purchased within the time-sensitive period (detailed below).
- You must not be prevented from traveling for medical reasons at the time you pay for the plan.
Time-Sensitive Purchase Windows for Waiver Eligibility
Adhering to the time-sensitive purchase periods is critical to secure the Pre-Existing Condition Exclusion Waiver. Here are the specific timeframes for the Worldwide Trip Protector plans:
-
Worldwide Trip Protector Platinum Plan: To be eligible for the waiver, the Platinum plan must be purchased within 21 days of the date you make your initial payment or deposit for your trip.
-
Worldwide Trip Protector Deluxe and Essential Plans: For the Deluxe and Essential plans, you must purchase your plan within 14 days of the date your initial trip payment or deposit is received.
It is essential to meticulously review the sample plan documents specific to your state of residence for the complete and precise definition of a Pre-Existing Medical Condition, along with all terms, conditions, and exclusions.
Please remember that coverage specifics and benefit eligibility can vary depending on your state of residence. Always thoroughly read your plan document for complete details.
