How Medical Underwriting for Travel Insurance Works

How medical underwriting for travel insurance works is relatively straightforward. The medical underwriting process gives travellers who may not be eligible for standard travel insurance products, the option to be individually assessed and priced for a policy.

How Medical Underwriting for Travel Insurance Works

Offered by some travel insurance companies, it’s the perfect option for anyone who is unsure of their medical conditions, or has received a medical diagnosis from their doctor.

This is how it works: You would have your family physician fill out an application form and include any supporting documents. Your application would then be forwarded to the insurance company and their medical underwriting team to review. They will then provide us with their assessment and confirmation of coverage prior to your purchase. Depending on your situation, your condition may be covered under the policy for an agreed to premium. It may be subject to certain limitations or it could be excluded from your policy. We would discuss your options with you so you could make the best decision for your situation.

While the medical underwriting process can take a little while to complete, the greatest benefit to you is the additional piece of mind knowing your personal medical situation has been reviewed by a medical underwriter. You will have a clear indication of will and will not be covered in the event of a claim, before you travel.

Here are a few things to consider if you decide the medical underwriting process is for you:

  • It can take a little while so be sure to allow as much lead time as possible.
  • If your medical condition changes between the time of your initial application and the day you travel, you’ll have to submit updated information to your insurer.
  • Your doctor may charge you to fill out the necessary forms, be sure to ask up front if there are any fees for this service.
  • Lastly, because the policy takes your medical situation into account, it can be more costly.

Throughout the process, we’ll discuss your options with you, and we’ll review the policy with you so that you can better understand any limits or exclusions, and make sure you can enjoy a worry-free trip.

Watch our video about how medical underwriting for travel insurance works.