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Pre-Existing Medical Conditions’ Coverage
Carol G., Rockville, Maryland says, “Steve, I have really appreciated the service I received for figuring out if my son’s pre-existing medical condition would be covered and advice on the best plan for us. I already did the comment form at your website and have written posts on some cruise and Disney boards (we’re doing a Disney cruise) about how happy I was with your service and recommended www.TripInsuranceStore.com. Thanks for all of your help.”
Here’s How the Pre-Existing Medical Conditions’ Waiver Works:
Until there’s a claim, everything is on the honor system. The insurance company assumes the travel insurance purchaser is following the rules, but they have no way of knowing if they are.
Instead, at claim time the travel insurance purchaser must prove everything including:
It’s more accurate to say that the travel insurance purchaser has a conditional promise from the travel insurance company that they have certain benefits.
Pre-existing conditions coverage is complicated. Here’s how pre-existing conditions, medically stable and the 60 day (Travel Insured Lite, TripAssure) or 180 day (Travel Guard) Lookback Period fit together:
You Must Follow These Rules To Waive The Pre-Existing Medical Condition Exclusion:
In addition, trip insurance policies include wording like “this is the first and only booking for this same destination and dates of travel” as a condition of waiving the pre-existing medical condition exclusion. The reason is that you cannot cancel your trip & re-book it to just reset your inital trip deposit date. Read Steve’s Blog post to find out more.
Any payment on your trip is considered the first payment. This includes the tax you pay when you redeem frequent flyer tickets, refundable deposits or even a trip planning consultation fee if that fee is later credited toward your trip costs.
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