How To Decide If You Need Pre-Existing Coverage On Your Travel Insurance

Travel Insurance With Prior Coverage

Any medical issues discovered within 48 months or less would often be regarded as pre-existing diseases. Different travel insurance plans and their providers may or may not cover pre-existing conditions.

Is Notifying The Insurer Of PED Required?

Imagine your mother and father coming to the US to visit you from India. You were unaware that your father had just stopped taking his prescription for high cholesterol even though he was not at risk of a heart attack. He was found to have cardiac issues while on the trip, but your travel health insurance claim was turned down. Your insurance company looked at your history of illnesses and determined that the medical emergency was brought on by the heart symptoms (cholesterol) he had experienced before the trip. 

Declaring your PED at this point becomes crucial. Find travel insurance that covers pre-existing ailments, especially if you suffer from a chronic condition. A declaration is required for this. However, due to the increased financial risk associated with pre-existing conditions, insurers are reluctant to provide travel insurance coverage for them. Does this imply that your insurance does not cover certain illnesses? Will your need cause you to postpone your plans or travel overseas, where you risk getting sick later?

Does Travel Insurance Cover Pre-Existing Diseases?

Most travel insurance policies don’t cover pre-existing conditions or anything else that can make your journey more difficult. However, this does not exclude you from purchasing insurance to cover specific situations. There are several travel insurance options available now that cover pre-existing ailments when travelling abroad.

However, to verify if it qualifies as an add-on to your current travel insurance policy, you must either notify the insurer or review the policy documentation. Both domestic and foreign travel insurance coverage is affected by this.

Suppose the insured person cancels the trip or seeks medical attention while travelling because of pre-existing medical conditions or difficulties. In that case, the travel insurance firms will not accept travel insurance claims. 

A travel insurance premium calculator is a convenient tool you may utilise online to check the amount of coverage needed based on your requirements.

How Does One Know If Your Travel Insurance Policy Needs PED Coverage?

PED Coverage Required For Travel Insurance Policy*

For this, you must confirm whether you had any medical examinations or modifications made to your prescription before your vacation.

You must first understand PED before purchasing travel insurance that covers pre-existing conditions. Pre-existing illnesses may include:

  • Any ailment for which you have had therapy or are still receiving treatment
  • Any illness you’re taking medication for
  • Almost all medical problems that you know of
  • You must purchase the pre-existing condition add-on to your travel insurance if you are diagnosed with a condition that could be dangerous while you are travelling. It would help if you did this by locating a policy addressing your pre-existing condition.

Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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