Travel with a Pre-Existing Medical Condition
If you didn't make it past the Medical Questionnaire during your travel insurance application, don't give up. Many insurance companies offer "individualized insurance plans", which is exactly that. It will provide proper travel health insurance coverage for you. What you will need to do, is disclose ALL your information up front.
Major types of Coverage
Your vacation may have taken months to plan. Ensure your investment in minutes for non-refundable losses with a travel insurance policy. Let us know if your travel plans are domestic or international, as some policy exclusions may apply.
Trip Cancellation/Delay/Interruption Insurance
Trip Cancellation — Reimburses you for pre-paid travel expenses if you aren’t able to take your trip because you or a family member becomes ill or dies.
Travel Delay — Reimburses you for pre-paid expenses if you aren’t able to take your trip because of a travel delay, such as a flight delay or cancellation.
Trip Interruption – Reimburses you for prepaid expenses if your trip is cut short because you or a family member becomes ill or dies, or because of any other misfortune listed in policy. Covered reasons might include bad weather, airline strikes, terrorism, bankruptcy, jury duty or fire/flood damage to your home.
Medical/Accidental Death Insurance
Emergency Medical Expense — Reimburses you for medical and emergency dental expenses that you have because of an illness or injury while you’re travelling.
Medical Evacuation — Provides emergency transportation to take you either to a hospital near your area of travel or for transportation back to a hospital near your home.
Accidental Death — This coverage is usually split into three parts:
Air Flight Accident – Covers death or dismemberment during flight only.
Common Carrier – Covers death or dismemberment while travelling on public transportation such as a plane, ferry, train, bus or taxi.
Accidental Death – Covers death or dismemberment at any time during a trip.
Baggage/Rental Car Damage Insurance
Baggage Loss — Reimburses you for lost, stolen or damaged personal items. This usually doesn’t cover personal items that may be lost or damaged by an airline. If you buy baggage insurance, be sure to review the policy for the list of property that wouldn’t be covered. Some of your property may exceed the limits allowed.
Rental Car Damage — Reimburses you for damage or loss to a rental vehicle. If you have this coverage you may decline the “collision damage waiver” rental car companies’ offer. This coverage doesn’t provide liability protection.
