Coronavirus (COVID-19): What You Need to Know Before You Travel Read More

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Do you cover pre-existing conditions?

Onshorekare Comment Travelers setting off on their journey may not realize that most travel insurance plans do not cover pre-existing medical conditions. Pre-existing conditions are those medical conditions that the individual may have been diagnosed with, had treatment for, or is taking medication for before the insurance started. Routine health care for chronic conditions like diabetes and high blood pressure are not a policy benefit. However, if the traveler experiences a unexpected or sudden medical emergency caused by a pre-existing medical condition, travel insurance that provides them with coverage for acute onset of their pre-existing condition may cover for such conditions. Of course, the main stipulation is that the policyholder’s condition is life-threatening and requires immediate medical attention. Many individuals regrettably avoid traveling because of the risks associated with their chronic health conditions. However, if they were to purchase a travel insurance policy with acute onset coverage then they could freely travel with peace of mind knowing they will be protected. An acute onset of a pre-existing condition is an unexpected and sudden recurrence or outbreak of the pre-existing condition that happens with no warning. This type of coverage is a must have for anyone with a pre-existing condition, because if the condition suddenly resurfaces, the treatment may be covered under certain circumstances. Travelers with pre-existing medical conditions should never fear an unexpected medical crisis while exploring their favorite foreign city.


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