Facts About Travel Insurance & Pre-Existing Medical Conditions from InsureMyTrip.Com

Wednesday, July 23, 2008 General News J E 4
WARWICK, R.I., July 22, the leadingonline travel insurance comparison site, reports that an overwhelming numberof today's consumers share a common concern: can you purchase travel insuranceif you have a pre-existing medical condition?

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"First and foremost, consumers need to know that Pre-existing MedicalCondition Waivers are available on many of our comprehensive Trip CancellationPackage Policies," explains Jim Grace, President and CEO of"These policies offer a full complement of benefits including coverage forpre-existing medical conditions. Additionally, to fully take advantage ofthese waivers, you need to understand some of the purchase requirements andpolicy terms." InsureMyTrip sheds light on this issue by answering thesefrequently asked questions:

Q. What is a Pre-existing Medical Condition?

A. It is a medical condition, injury, disease, or illness that occurredprior to and including the effective date of your insurance. This conditionmay apply to you, a traveling companion, family member, or business partner.

Q. What is a 'look back' period?

A. This is the number of days that the insurance company will 'look back'from the date the insurance was purchased to see if your claim is related to apre-existing medical condition. The 'look back' period varies by company andplan and does not apply if you qualified for the Pre-existing MedicalCondition Waiver offered by many plans.

Q. What is a Pre-existing Medical Condition Waiver?

A. Every policy has a pre-existing medical exclusion, meaning thatcoverage is not available for pre-existing medical conditions. A Pre-existingMedical Condition Waiver essentially deletes that exclusion and extends yourpolicy to cover pre-existing condition-related risks.

Q. When is the best time to buy travel insurance to obtain a Pre-existingMedical Condition Waiver?

A. To be eligible for a Pre-Existing Medical Condition Waiver, themajority of travel insurance policies require that you purchase your policywithin 7 to 21 days of your initial trip deposit and insure for the fullamount of your non-refundable travel arrangements.

"Bottom line," says Grace, "Pre-existing Medical Condition Waivers are amust-have if you have a recent history of health issues, from a heartcondition to cancer or concerns about the health of a non-travelling familymember."'s expert Customer Care representatives can help younavigate the complexities of this multi-faceted insurance, whether you simplyneed one question answered or want step-by-step help in selecting a travelinsurance policy. Call (800) 487-4722 to speak with a licensed travelinsurance professional, or visit to learn aboutprotection plans that put you in control of your travels.


Established in 2000, is the leading, consumer-orientedonline travel insurance aggregator worldwide. Featuring insurance comparisonsfrom the top industry providers, is a unique, one-stopresource designed to meet consumers' comprehensive travel insurance needs allin a secure environment. also specializes in providingintegrated technology solutions for the travel insurance industry, with over2,000 private-labeled and co-branded travel-related websites around the is headquartered in Warwick, RI with additional offices anddata centers in Connecticut and Oregon.Available Topic Expert(s): For information on the listed expert(s), clickappropriate link.James Grace



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