Wondering about Pre-existing conditions?
Pre-existing conditions are medical conditions that exist before departure, most of which have been discussed, diagnosed, or treated by a doctor. The plan and rate category you are eligible for is determined by your pre-existing conditions.
How do pre-existing conditions affect your travel insurance policy?
When you have pre-existing conditions, getting travel insurance is often based on whether or not your condition is stable. Generally, to be considered stable your condition must meet these conditions:
•There is no new diagnosis, treatment or prescribed medication
•There is no change in treatment or change in medication, including the amount taken or frequency
•There are no new symptoms or more frequent or severe symptoms
•There have been no test results showing deterioration
•There has been no hospitalization or referral to a specialist (made or recommended) and you are not awaiting results of further investigations for that medical condition
You will most likely be covered if your condition is stable. Some medical conditions may require a longer stability period in order to be covered. In these cases you also have some options.
• Some plans offer the option to shorten the stability period for a higher premium or reduced coverage, allowing you to travel with at least some coverage.
• Some companies will even insure a condition that does not meet the stability requirements, usually at significantly higher rates.
• You may also be eligible for a policy that excludes the pre-existing condition but offers you other coverages, such as coverage for accidents.
Another alternative to consider is having your application reviewed by the medical underwriting team, who will individually asses your application and create customized coverage uniquely for you. Watch our video on medical underwriting for more information about this process.
There are many options, and we realize they can be a bit complicated – so talk to us about what will best suit your situation. We are here to help.
It’s also important to realize that if you have travel insurance through your employer or a credit card, you have to review the policy carefully before travelling – many credit card or group coverages do not cover pre-existing conditions.
As you can see, having a pre-existing condition doesn’t mean you can’t get travel insurance. And even if you aren’t eligible for coverage for a pre-existing condition, you can still benefit from coverage for other medical emergencies as well as the other policy benefits like trip cancellation and lost baggage.
Our goal is to get you covered - we will discuss your options with you and help you understand your policy. We are here to help make sure your vacation is worry free.
For more information on pre-existing conditions or our other travel insurance topics, please visit our website at www.mediquote.ca