Is your travel coverage right for you (or your loved ones)?

Travel insurance is designed to help protect against the risk of sudden, unplanned, and unforeseen circumstances such as Trip Cancellations, medical emergencies, and missing luggage. To ensure you and your loved ones have adequate travel insurance (especially our Mummies and Daddies), it is important to understand how the Pre-Existing Condition Exclusion Period may impact coverage.

The Pre-Existing Condition Exclusion Period refers to a specific timeframe before one’s departure date during which expenses related to pre-existing medical conditions may not be covered by your travel insurance policy. In some cases, if one’s pre-existing medical condition is stable for a specific duration before the trip, medical attention arising from such a condition may be covered.

However, it is important that you do not assume that your travel insurance will cover the costs of a medical emergency arising from a pre-existing medical condition during your trip. Asking the right questions can help to make sure that you are getting the coverage that you need for you and your loved ones.