Pre-Existing Medical Conditions | Allianz Global Assistance (2024)

FAQs

Can you get travel insurance for pre-existing conditions? ›

If your pre-existing medical condition is not stable, it will not be covered by travel insurance. However, you will still be able to benefit from your travel insurance coverage for all services and care that are not related to your pre-existing non-stable condition.

Simply put, the Waiver of Pre-Existing Medical Conditions covers, or “waives” the companies right to exclude pre-existing medical conditions from their policy. It's a feature only available with certain comprehensive package plans that include trip cancellation/trip interruption.

Yes, as long as you meet certain requirements. Learn more and protect your next trip by getting a quote.

Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.

Firstly, thanks to the Affordable Care Act (ACA), insurers can no longer deny coverage or charge higher premiums based solely on pre-existing conditions. This has dramatically increased access to health insurance for individuals with chronic health issues.

Injuries or illnesses which occur during your trip are covered-unless they relate to a pre-existing injury or illness. However, some policies cover some pre-existing injuries or illnesses if you pay a higher premium. There may be exceptions to this such as terminal illnesses, mental disorders and heart conditions.

If your health plan is fully compliant with the ACA and obtained in either the individual/family market or the employer-sponsored market, you no longer need to worry about pre-existing condition exclusion periods.

A pre-existing medical condition (PEMC) is an illness or injury you had before your policy began or was renewed. Examples of pre-existing medical conditions include, diabetes, asthma, high cholesterol or a long-term back condition.

Holidaymakers often ask: 'Is high blood pressure a pre-existing medical condition for travel insurance? ' The answer is simple – high blood pressure is classed as a pre-existing medical condition, so you do need to tell your insurance provider when applying for a policy.

What's not covered by World Nomads Travel Insurance? Travel insurance isn't designed to cover everything. The main things that aren't covered are: Pre-existing medical conditions as defined in the policy wording, unless specifically mentioned as covered in the policy.

Does AXA cover pre-existing conditions? ›

Cover for pre-existing conditions

We'll give you the same protection as you're already enjoying subject to the terms and conditions of the new plan you choose. You just have to answer a couple of questions about your health favourably. If there's something you want to cover, it's always worth asking us.

Pre-existing conditions are typically not covered by credit card travel insurance. Even if you have a limited amount of cover for a pre-existing medical condition, you're not guaranteed to have coverage for any claims made due to your condition.

A few common examples of pre-existing conditions include high blood pressure, diabetes, cancer, and asthma. Previous injuries might be considered pre-existing conditions, depending on their severity and any lasting effects.

Stability refers to the requirement of a policy, that there be no changes in a medical condition for a period of time.

In the world of health insurance, a pre-existing condition is exactly what it sounds like: It's a medical condition that exists before you begin health insurance coverage. Simply put, when it comes to Medicare, your pre-existing conditions are covered.

However, some policies have a look-back period of 60 to 180 days. If the preexisting ailment, injury or illness has changed or worsened in that period, or you've received care for it, an insurer can deny the waiver and won't cover your preexisting condition.

But be aware that if something has already gone wrong – your baggage has been stolen or you've had medical treatment, for example – you won't be covered. Your insurance is for unforeseen events that haven't yet happened. Although you can buy travel insurance after your trip has started, it's not ideal.

A pre-existing medical condition (PEMC) is an illness or injury you had before your policy began or was renewed. Examples of pre-existing medical conditions include, diabetes, asthma, high cholesterol or a long-term back condition.

Travel insurance usually includes holiday cancellation cover in case your trip is cancelled for reasons beyond your control – illness or the death of a close family member, for example.