Do you have a pre-existing medical condition? Pre-existing conditions are commonly described as chronic or long-term illnesses or injuries such as diabetes, cancer, sleep apnea, and more. These conditions typically require frequent medical care and supervision to manage, as well as adequate health care coverage to ensure you can receive treatment without paying for costly medical bills.

Living with chronic pain or long-term conditions can be difficult, but traveling with pre-existing conditions doesn’t need to complicate your trip. With Travelex’s pre-existing conditions coverage, your policy can provide financial and medical protection should a pre-existing issue cause complications while you’re away from home. This benefit enables you to seek the medical care you require without paying out of pocket.

What is a pre-existing condition?

A pre-existing condition is generally described as a chronic health condition that you have prior to purchasing your travel insurance policy. Sometimes pre-existing conditions can include congenital ailments such as type 2 diabetes or asthma; other times pre-existing conditions include complications developed later in life such as scoliosis or high blood pressure.

As long as you have a condition for which there is a course of or recommendation for treatment, a diagnostic test or exam, or for which drugs or medicine are prescribed, it can be considered as “pre-existing”.

What is not considered a pre-existing condition?

If you suffer from a condition that is treated or controlled solely through the taking of medication and it remains treated or controlled without an adjustment in medication during the 60-day period immediately prior to and including your policy effective date, then it is not considered to be a pre-existing condition.

Additionally, the plan does not cover any loss caused by or resulting from a mental, nervous, or psychological disorder. This means if you suffer from depression or anxiety, you cannot receive coverage even with the pre-existing condition exclusion waiver.

If you have any further questions concerning what does and does not qualify as a pre-existing condition, Travelex’s customer service team is happy to provide additional information.

How do I receive pre-existing conditions coverage?

Travelex can provide travel insurance coverage for your pre-existing conditions if the following conditions are met:

  • If you purchase a Travel Select policy within 15 days of the initial trip payment.
  • If you purchase a Travel America policy within 3 days of your final trip payment.
  • You, and your fellow traveling companions who also receive coverage, are medically able to travel when your travel policy is purchased.
  • If you insure all prepaid non-refundable trip payments or deposits on Travel Select.

If these conditions are met, you will be given a pre-existing condition exclusion waiver as part of your travel insurance policy.

Additional travel insurance benefits

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Trip delay

Reimbursement for unplanned expenses during trip delays.

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Cancellation & interruption

Financial protection for canceled or interrupted trips.

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Missed connection

Coverage for costs resulting from missed flight connections.

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Baggage & personal effects

Protection in the event your valuables are lost, stolen or damaged.

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Medical & dental

Coverage in the event of an unexpected injury or sickness.

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Evacuation & repatriation

Medical evacuation to the hospital of your choice.

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Compensation for certain physical losses or death that could occur while on a trip.

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Primary coverage

Automatically included, your approved claim is paid first with no deductibles.

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