Coverage For Pre-Existing Conditions
Many travelers with pre-existing medical conditions worry that a trip abroad is out of their reach, even if they can find a plan. But travel insurance plans can often cover the acute onset of a pre-existing condition, provided that the condition is stable at the time of purchase and the policy is purchased within a specific window (the look-back period) which varies by plan.
This type of coverage is a game changer for many people, making it easier than ever to travel. When choosing a plan with this type of coverage, ensure that it includes a pre-existing condition waiver, and read the description of coverage (policy wording) carefully to be sure the policy meets your needs.
Most travel insurance plans offer trip cancellation coverage, which reimburses you for unused non-refundable, pre-paid expenses if you need to cancel or change your planned vacation. The specifics vary from policy to policy, but typically this includes things like airfare, hotels and other accommodations, tours and excursions, cruises and car rentals.
Some policies include flight delay and loss of luggage coverage as well. A few insurers even offer “cancel for any reason” policies, which are more expensive but still usually cover a significant portion of your trip costs.
While trip cancellation insurance covers unforeseen events that happen before travel, trip interruption coverage helps ease the financial burden of having to cut a vacation short while you are already traveling. This post-departure benefit reimburses your unused prepaid, non-refundable trip expenses for covered reasons such as the death of a loved one or an unexpected business meeting.