• 02
  Nov
  2009

• Pre-existing conditions and travel insurance

  
  Filed Under: Blogging
  Author: Blog-Contributor
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With the cost of health care sky-rocketing all around the world, one of the most essential items you need to tick off the checklist before commencing travel abroad is international travel health insurance.

As the name suggests, the policy covers medical expenses when the insured is traveling overseas, during the time when his/her domestic health insurance policy generally doesn't offer coverage. Let us try to understand the terms of coverage offered by this policy.

Coverage is available for expenses incurred for visits to doctors; hospitalization, surgery and even prescription drugs. Intensive care is also covered. But there is an important clause here. The injury or illness has to manifest, or show first symptoms during the course of the travel within the period for which the coverage is sought.

According to the terms of most travel insurance policies, any disease/illness that has shown symptoms, been treated or received care before the start of the present coverage term is considered a pre-existing condition and will not be covered. It is necessary to have a clear understanding of this clause while buying travel insurance.