Definition: You, a family member or a traveling companion have a pre-existing medical condition, which is defined as an illness or injury that you (or a family member or traveling companion) were seeking or receiving treatment for or had symptoms of on the day you purchased your plan, or at any time in the 120 days before you purchased it. The Pre-Existing Condition exclusion may be waived, making you eligible for benefits and assistance services. Each plan has requirements that need to be met in order to qualify, which may include you being medically able to travel on the day you bought your plan, your trip costs does not exceed the stated amount, you are a U.S. resident, etc. Be sure to read through your plan to find the specific requirements that need to be met.
Example: Your best friend from high school is getting hitched in a destination wedding in the Big Island of Hawaii. While you have Type 2 Diabetes, which you’ve successfully managed for years through medication and lifestyle tweaks, it can still impact your ability to qualify for travel insurance. Consequently, right after booking and paying for airfare, hotel, surfing lessons and an eco-tour, you purchase a travel insurance policy featuring the Existing Medical Condition Benefit. You opt for a policy that covers the full trip cost and includes trip cancellation benefit. And because your trip is less than the maximum amount on your plan and you are a U.S. resident, you’ve done everything you need to qualify for insurance according to the benefit conditions. Now you have the peace of mind you wanted — and you can practically feel those fresh Hawaiian leis around your neck.