Yes - Regardless of any existing conditions, we always advise members to still purchase coverage, as it will protect against all other accidents not related to that condition.
Travel insurance policies are designed to provide protection against unexpected emergency medical expenses, trip cancellation or interruption.
Depending on your age and the condition pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date.
It is important you review and understand any clauses or definitions in your chosen policy. Each travel insurance policy will uniquely define a pre-existing condition and there are many variations in wording. For example, policies may not cover conditions arising prior to the trip departure date:
- that are unstable
- where symptoms of an illness appeared
- that have been diagnosed or treated
- where medications have been changed
Travel policies will also specify a time frame, based on your age that relates to the evaluation of your pre-existing conditions. This time frame could be as short as 3 months but could be 1 year, 5 years or longer.
Some policies may provide coverage for your pre-existing conditions if you complete a more detailed medical questionnaire.
When purchasing our travel policy, we will evaluate pre-existing conditions for people 60 years and younger based on their health within the previous 3 months prior to the day their coverage begins. For people age 61 and over, we evaluate based on their health within 6 months prior.