Travel Guard’s Pre-Existing Medical Condition Exclusion Waiver is a time-sensitive feature available when you purchase your travel insurance plan within 15 days of your initial trip deposit date. Without the waiver, costs associated with obtaining treatment for a Pre-Existing Medical Condition, as defined in the travel insurance plan, while traveling would not be covered. There is no medical evaluation to get the waiver, you just need to meet the following three conditions:

• Purchase the travel insurance plan with your first trip deposit, or shortly thereafter as explained in the travel insurance plan details;
• The amount of coverage purchased equals all prepaid, non-refundable trip payments or deposits, and the cost of any subsequent arrangements added to the same trip are insured by the date of payment or deposit for the additional arrangements;
• You and other insured travelers are medically able to travel when your travel insurance plan is purchased.

If you experience a medical situation while traveling, seek medical attention first. There is nothing additional you need to do in order to have medical expense coverage for your Pre-Existing Medical Conditions while you’re traveling if the waiver is in place. Once your travels are complete, and you’ve returned home, you can submit your claim with the required documentation and request to be reimbursed for any covered expenses.

While in Greece you experience an arthritis flare-up in your knee that you’ve had issues with in the past. You want to seek treatment from a physician in order to continue on your trip with less pain. You visit a qualified physician who prescribes pain medication, and you’re on your way to continue exploring. 

In this scenario, arthritis could be considered a pre-existing medical condition since you’ve had issues in the past. If you have the Pre-Existing Medical Conditions Exclusion Waiver, you could have coverage for the expenses incurred seeking treatment. Save all documentation related to treatment, and you can file a claim once you’re home to request reimbursement. Remember to read your travel insurance plan details before booking to help ensure you have the coverages you may need.  All claims under Travel Guard travel insurance plans must be reviewed by the appropriate claims personnel.