What Does Medically Stable Mean?
Medically Stable includes the concept that the Pre-Existing Medical Condition of a traveler, a traveling companion or a non-traveling family member) must not be foreseen to "take a turn for the worse".
As you look and call around, you will find a wide range of advice & opinions as to what exactly it means to be Medically Stable. In order to better explain this, there are a few concepts that are good for you to understand:
1) Foreseen or expected to "be a turn for the worse" - If you're given a week to live and you want to buy travel insurance for a cruise next month, you can't cover the Pre-Existing Medical Condition. It's like wanting to buy Fire Insurance when your house is on fire.
2) Medically Able To Travel - The insured traveler must be able to travel on the day they get their travel insurance. Don't call us to order a policy if you're being treated now, or have a surgery scheduled and can't currently travel, yet your doctor says you'll be able to travel later. You will not be covered at all. This includes calling us from your hospital bed.
For example, Stage 4 cancer will not have pre-existing conditions coverage with Travelex and Travel Insured, but CSA, Travel Guard & TravelSafe can cover it. |
What else is important?
Seven of our plans (CSA Freestyle plans, Global Alert plans, Travelex Select, Travelex Max & TravelSafe Vacation Classic) do not exclude stable pre-existing medical conditions on non-traveling family members who reside in the United States, Canada or Mexico even if you're past the pre-existing medical condition waiver deadline for the travelers themselves.
For example, Travelex says "Medically Fit implies assessment by a physician who advises that there is no medical condition/illness that would likely interfere with upcoming covered travel plans." You cannot get any clearer than that.
A cynic might say, "Any insurance company will always turn down any claim". I can't speak for all insurance companies, but the travel insurance companies we offer all have claim departments staffed by people. You are working with real human beings who have a heart and want to help you.
Travel insurance providers' Medically Stable rules apply to the Covered Person's medical condition on the day they get their travel insurance. If you are one of the travelers, you must be "medically able to travel when you pay your premium (get your travel insurance)". In other words, your doctor says you can travel. If your doctor's saying you can't travel, but you insist you can travel, the insurance company will always side with your doctor.
Click here to get more Pre-Existing Medical Condition information.
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