Travel Insurance – Inquiry on Pre-Existing Conditions
No coverage is provided for pre-existing conditions with a look-back period of 60 days.
A “Pre-Existing Condition” refers to any accidental injury, illness, or medical condition of you, your traveling companion, or a family member booked to travel with you for which medical advice, diagnosis, care, or treatment was suggested or administered within the 60 days prior to the effective date. However, conditions are not classified as pre-existing if the illness has been stable and managed without any changes in prescription medication throughout the entire 60-day period leading up to the effective date, and if no medical advice, diagnosis, care, or treatment of the condition was received during that time.
Now, if someone has a shunt or a pacemaker, does this mean they are considered to be in constant medical care, thus rendering the condition a pre-existing one? Alternatively, is there a possibility that an implanted device like this would not be deemed a pre-existing condition if it has been functioning normally during that 60-day window?
In the context of travel insurance and the definition of pre-existing conditions you’ve provided, the presence of a shunt or pacemaker doesn’t automatically categorize someone as being under constant care, especially if the device has been functioning normally and there have been no changes in treatment or medical advice in the 60 days leading up to the effective date of the policy.
If the individual with a shunt or pacemaker has had stable health without any medical complications, changes in medication, or medical treatment related to their condition within that 60-day look-back period, it could be possible that their condition may not be deemed “pre-existing” for the purposes of the insurance policy. The key factors would be whether they received any medical advice or treatment related to their condition in that timeframe and if their situation remained stable.
However, insurance definitions can vary, and it’s important to read the specific terms of the policy and consider speaking directly with the insurance provider or a qualified insurance agent for clarification regarding specific circumstances. Always ensure to understand the nuances of your specific policy before traveling.