What’s needed to qualify for travel insurance pre-existing medical conditions coverage?

Woman's hands holding a pink stethoscope in the shape of a heart

Travel jargon is tricky at times. So we’re here to simplify it for you with answers to your pre-existing medical conditions questions, just in time for your next trip. 

What is a pre-existing condition?

A pre-existing condition is an illness, disease, or other medical condition that required treatments, prescriptions and/or examinations suggested by a medical professional within the 180 day period prior to the date your coverage is effective if you, your travel companion, business partner, or family member: 

  1. Received or was recommended to go for a test, examination, or medical treatment for a condition that first manifested itself, worsened, became acute, or had symptoms that would have prompted a reasonable person to seek diagnosis, care or treatment.

  2. Received a prescription for drugs or medicine. Friendly FYI that this does not apply to a condition that’s treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 180 day period before coverage is effective.

  3. Had their doctor change a prescribed medication meaning the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication unless the change is:

    a) between a brand name and a generic medication with comparable dosage; or
    b) an adjustment to insulin or anti-coagulant dosage.

What is a pre-existing medical conditions exclusion waiver?

Like many policies, pre-existing medical conditions are excluded under the Faye plan for trip cancellation & trip interruption. However, the exclusion can be waived if you meet the qualifying requirements described below.

Qualifying for a pre-existing medical conditions exclusion waiver

There is no age restriction or extra cost for this waiver and if you have a pre-existing medical condition, you can be covered the same as any other sickness or injury for trip cancellations and trip interruptions with Faye Travel Insurance.

There are a few specific requirements you must meet to make sure the pre-existing medical condition you have is covered by your plan with Faye:

  1. Payment for your plan must be made within 14 days of the date your initial trip deposit is received (for example, when you book your flight or hotel).

  2. You must be medically able to travel when you pay for your plan. 

Documentation for claims involving pre-existing medical conditions

For trip cancellation/interruption claims related to pre-existing medical conditions, there are a few required documents that you will need to send to the claims team:

  • Proof of trip

  • Information from your physician about the condition requiring cancellation/interruption

  • Proof of qualifying for the pre-existing conditions exclusion waiver, as described above

Protection that goes the distance 

Faye goes the distance to make sure you’re protected from the unexpected. We’re there with a 24/7 support team that can help you find a doctor, the nearest pharmacy and more. 

Make it a trip to remember – for the right reasons.

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