What Does Acute Onset of Pre-Existing Conditions Mean for Travel Insurance?
Acute onset of preexisting conditions is a concept that is part of any travel insurance policy. In most every case, a preexisting health conditions are not covered under travel insurance. The only exception to this is acute onset of a preexisting condition, but this can get fairly tricky when it comes to travel insurance policies. In order to understand how it might impact your insurance experience, we must first breakdown the definition of acute onset as well as the terms by which travel insurance operates.
To begin with, acute onset of preexisting conditions means that you or someone that you are traveling with has a known preexisting condition and experiences a very sudden health concern while abroad. The biggest distinguishing factor here is that the health problem must, quite literally, come out of nowhere. While it is fine if the preexisting condition raises the person’s chance of this health risk, the problem itself must arise quickly and without warning. For example, you might be diabetic and at risk of certain health problems relating to your blood sugar levels. If you have recently been experiencing problems and the issues arise again while you are traveling, this would not be considered acute onset. However, if you have been doing fine and suddenly find yourself going into diabetic shock, this would be considered acute onset and should be covered.
When it comes to paying out these kinds of insurance claims, you can rest assured that your traveler’s insurance company will do everything they can to determine if you had any prior indication that there was a risk of the event occurring. They might look into medical records, ask you if you have been experiencing any recent symptoms that could have tipped you off, and more. This is because preexisting conditions as a whole are not covered by these insurance plans, which means their job will be determining if this was a fluke or just a part of your preexisting condition that you should have been aware of.
Choosing traveler’s insurance can be difficult because of this, and if you are traveling with someone who has a preexisting condition, it can be that much harder. Make sure that you look into the policies that you purchase so that you are aware of what to expect. It always pays to seek out reviews and see how companies handle this sort of situations. Trawick International has a customer support hotline where specialists can answer all your questions and make sure you get the right plan.
The fact that you or someone you know has a preexisting condition should not stop you from your travels. With a little extra time and research, you can go on your travels prepared with an understanding of what your insurance covers. In the event you have been experiencing any recent problems, it is important to recognize that your services might end up not being covered. As long as you go into your travels aware of what your insurance covers, you should be able to travel without worry.
Looking for a trusted provider of Travel Insurance? Trawick International has been a top provider since 1998.