How Do I specify I want the waiver of the pre-existing medical condition exclusion when I buy travel insurance from TripInsuranceStore.com? I don’t want to forget to ask for it and be penalized later for not specifically requesting that I have it. Thanks, Paul
Hi Paul,
I have some good news for you. All the plans you find on TripInsuranceStore.com automatically include the Waiver of the Pre-Existing Medical Condition Exclusion if you follow the rules:
If you want to waive the pre-existing medical condition exclusion for cancellation, interruption & medical treatment, you have to fulfill these 4 requirements when you buy your travel insurance plan:
- With 2 exceptions (CSA Freestyle & Freestyle Luxe) you have to insure at least your trip’s full prepaid, non-refundable cost (you can’t round it down). If you don’t know your final trip cost, estimate it high to be safe. You can always lower to the correct trip cost prior to your departure date. If it drops you to a lower trip cost range, you’ll get a partial refund; and
- You must get your travel insurance in the first 14, 15, 21 or 30 days after you pay your earliest trip payment (Global Alert Preferred & Plus, Travelex Select, Travelex Max, Travel Guard Gold, Travel Guard Platinum, Travel Insured and TravelSafe Classic) or no later than 24 Hours after you make your final Trip payment for CSA Freestyle & Freestyle Luxe and
- You have to cover your trip’s full length and
- The person with the medical condition has to be medically stable when you get your insurance – this means that person cannot have already taken a turn for the worse. This also includes having surgery or other medical procedure(s) scheduled just before you leave. Read Steve’s blog post “Will Travel Insurance Cover My Scheduled Surgery?” for more information.
So, Paul, if you fulfill the requirements above you will get the waiver of the pre-existing medical condition exclusion with your trip cancellation travel insurance plan.
I hope this makes sense. If you want the right travel insurance advice, call us at 1-888-407-3854 and we’ll help you figure it all out.
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