YOU ASK:

Can you get travel insurance while awaiting diagnosis?

WE ANSWER:

Yes, you can still get travel insurance even as you are waiting for the diagnosis or the results of a check-up. However, you need to declare that you are awaiting such a diagnosis, since this falls under pre-existing medical conditions.

The company will not pay for claims that arise due to pre-existing medical conditions. Pre-existing medical conditions refer to conditions where you have been in consultation with a medical practitioner or specialist, are awaiting the results of medical tests or diagnosis, or are currently awaiting or receiving medical treatment. It also means that you are aware that you have a medical condition that may need treatment while you are being covered by the travel insurance policy. It also refers to the fact that you have been taking prescription medicine for the said medical condition.

The travel insurance company may only pay for claims that arise due to a new (and unrelated) illness or injury that occurred after you have begun your traveling and during the duration of the trip covered by the insurance.

The travel insurance company also reserves the right to cancel the insurance policy when it discovers that material information about your pre-existing medical condition was not divulged at the time when you applied for the insurance. When this happens, the insurance company will refund the premium provided that you have not begun your traveling and you have not already made a claim.

That is why it is necessary for you to provide the information. This way, the insurance policy can still be issued with the insurance company specifying whether the medical condition you have may either be included or excluded in the policy coverage. The insurance company will also tell you what terms may apply.

Some Exclusions

Depending on the insurance company, there may also be added exclusions with regards to pre-existing medical conditions.

It may exclude medical conditions or injury where diagnosis is yet to be made, but the trip for which you are buying travel insurance is for the purpose of securing a diagnosis, medical advice or treatment for the condition.

It may also refuse to pay for claims related to death, injury or loss if such death, injury or loss was caused by or related to your failure to take your prescribed medication or treatment or your misuse of medication.

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