ElizaSTN Posted January 18 #1 Share Posted January 18 Does the preexisting condition exclusion apply to traveling companions or immediate family? For example, if a traveling companion (who also happens to be an immediate family member) has cancer and and is too ill to travel, will a claim be denied because it was diagnosed before purchasing travel insurance? TIA Link to comment Share on other sites More sharing options...
InsureMyTrip Posted January 18 #2 Share Posted January 18 This can differ by policy. Some will list traveling companions and non-traveling family members in the definition of a pre-existing condition. If that is the case, they would look back into the medical records of those people if making a claim related to a medical issue. Some plans may offer a pre-existing condition waiver, but there are certain eligibility requirements that must be met. Typically, you have to be purchasing the policy within 10-21 days after making your initial trip payment or deposit and everyone has to be medically fit. Some plans may only list those that are traveling when defining a pre-existing condition. This is an important coverage, and one thing to keep in mind, even a simple recommendation for a test or a change in a prescription prior to purchase of the policy could cause a condition to be considered pre-existing. When reviewing a policy, it is helpful to look at the wording under the trip cancellation section, how the policy defines a pre-existing condition as well as how the pre-existing condition exclusion is worded. As this can be a lot to navigate, it can also be helpful to reach out to the provider or company selling the policy if you have questions. Link to comment Share on other sites More sharing options...
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