If you have a pre-existing medical condition, can you still purchase travel insurance from Allianz Global Assistance? Yes — but certain requirements and exclusions apply. This video explains how we define a pre-existing medical condition and how to ensure that you’re protected by your travel insurance plan.
We understand traveling with a pre-existing medical condition can be concerning, so we’re here to help… but what is a pre-existing condition? It’s any illness or injury present 120 days, or as specified by your plan, prior to purchasing your plan.
For example, a sprained knee you have had treated in the 120 days prior to and including the policy purchase date will be considered a pre-existing medical condition. If you later have to cancel your trip because, for instance, the sprained knee now requires surgery, or because your recovery is taking longer than expected, or for any other reason arising out of the knee sprain, this would be considered a pre-existing medical condition.
In order to be eligible for coverage, here are some things to keep in mind when purchasing travel insurance…
It’s required that you must be a U.S. resident, insure the full nonrefundable cost of your trip within fourteen days of paying your first trip deposit or up to your final trip payment depending on your plan, and be medically able to travel when you purchase your policy. There is also a cap on trip costs when you're buying travel insurance with pre-existing medical condition benefits. For example, if you’re looking into the Classic Plan, the total cost of your trip must be no more than fifty thousand dollars per person.
We know this can become complicated. If you have questions about travel insurance with pre-existing medical condition benefits, we can help! Visit our website or call us and protect your trip today!