June 1, 2020
Due to travel restrictions, plans are only available with travel dates on or after
Due to travel restrictions, plans are only available with effective start dates on or after
If you have any kind of recent or chronic medical condition, you need travel insurance even more than the average traveler does. Whether it’s as simple as an inflamed knee or as serious as a cancer recurrence, a medical problem can ruin your vacation and cause you to lose all the money you spent — unless you protect yourself with travel insurance.
But how can you find the best travel insurance for your pre-existing medical condition? And how do you know for sure that you’re covered? Here are three things to look for when you’re buying insurance.
You may think that a pre-existing condition means anything you’re being treated for at the time you purchase your travel insurance. The definition is actually broader than that. Allianz Global Assistance defines a pre-existing medical condition as:
An injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of your policy:
It’s important to know that the illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.
Let’s consider a few scenarios:
If you’re dealing with a pre-existing medical condition, that does not mean you can’t get travel insurance, or that you shouldn’t travel at all. You just have to read the insurance policy documents very carefully to make sure you meet all the requirements. As Conde Nast Traveler puts it, “it’s best not to make assumptions. Returning home in pain is bad enough. Don’t intensify it by unnecessarily paying thousands of dollars you could use on your next trip.”
Certain Allianz Global Assistance plans can include pre-existing medical condition coverage as long as you:
While most pre-existing conditions are covered by Allianz Global Assistance travel insurance, there are a few exceptions. Mental and nervous health disorders and normal pregnancy aren’t covered, for instance. If you want to make sure your particular condition is covered, speak with an insurance specialist before you buy.
Also, check the cap on trip costs. For the OneTrip Prime Plan, for instance, the total cost of your trip must be no more than $50,000 per person.
If you have any kind of chronic health problem, travel insurance can save your vacation — or even your life. The best travel insurance for pre-existing conditions is the OneTrip Prime Plan from Allianz Global Assistance, which includes abundant coverage for covered emergency medical expenses overseas (up to $50,000). You also get emergency medical transportation benefits up to $500,000 to travel to the nearest appropriate medical facility or to return home. This is huge, especially if you suffer from a serious condition that might require advanced treatment. The OneTrip Premier Plan doubles these amounts.
Travel insurance from Allianz Global Assistance also can include trip cancellation and interruption benefits to reimburse you for non-refundable trip payments, in case you have to cancel your travel because of your covered pre-existing medical condition or another covered reason. You also get personalized, one-on-one help in emergencies from our hotline staff. Every day they help travelers who are suffering medical emergencies, lost documents, travel delays and other crises, all around the globe. But, our hotline experts say, the toughest thing they deal with is having to tell a customer who’s seriously ill that their pre-existing medical condition's not covered. That’s why it’s so important to follow the rules and meet the requirements.
Have questions about how to choose the best travel insurance for your covered pre-existing medical condition? Call our travel insurance advisers anytime at 1-866-884-3556. Travel happy!