Travel Insurance

How Do You Avoid "Claim Denied" on Individually Issued Travel Health Insurance?

Avoid These Insurance Mistakes
Make sure your policy truly meets your needs. If you have an existing medical condition, you'll want your policy to cover emergency travel expenses related to that particular illness or injury. Most but not all Insurers will build exclusions into their insurance contracts in order to avoid claims arising from unstable pre-existing conditions. Even major employer group retirees' travel policies, and some public employees and teachers' plans may have these broad based stability clauses -- so be wary!
The Biggie
The Number One claim "escape clause" for insurance companies is the non-payment for medical expenses tied to pre-existing conditions, which have NOT been stable for a period of time prior to departure. So at application time, it's essential to compare your health history to the policy stability definition. Insurers divide applicants into risk classes. The healthier ones may be given a narrow 90-day window while those with more serious medical issues must be stable for up to 365-day stability requirement period.
  • 53-year-old Male: Acute Upper Abdominal Pain from Gallstones Led to Surgery with Complications
  • 24-year-old Female: Diagnosed with Cancer during Trip to Canada
  • 75-year-old Female: Chest Pain Led to Unexpected Death
  • 54-year-old Female: Fall Led to Sprained Ankle
  • 79-year-old Male: Heart Attack Led to Return Home from Tour
  • 65-year-old Male: Cardiac Arrest Led to Hospital Stay
  • 65-year-old Male: Mushroom Poisoning on Camping Trip Led to Hospitalization
  • 40-year-old Male: Ski Trip Interrupted by Pneumonia
  • 28-year-old Female: Backpacking Trip Cut Short by Fall

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