How Do I Get the Pre-Existing Condition Waiver?
First, not every plan offers this waiver. You’ll want to be sure the plan you are looking for offers this coverage. Also, the Pre-Existing Conditions Waiver is a time-sensitive benefit. So, you’ll have to purchase your travel protection plan within a specific time frame from the day your first deposit for your trip is received, which is 21 days for the TravelSafe Classic plan.
Travel and Medical Insurance
Travel insurance protects you from certain financial risks and losses associated with traveling. If you buy travel insurance, we recommend TravelSafe, which describes its insurance policy this way:
Trip cancellation coverage can reimburse for prepaid, unused, non-refundable trip payments or deposits.’ The cancellation must be for a Covered Reason (which depends on the specific policy terms).’ There are specific notice conditions that must be met such as time limits and methods of communicating cancellation.
Trip cancellation coverage is effective until the scheduled departure date and time of your trip. If you are unable to continue your trip for a covered reason, but travel has begun, you may qualify for trip interruption.
If You Have a Medical Emergency While Traveling
If you get sick or injured while traveling, travel insurance protects you from the unexpected costs of care. It can reimburse your trip cost if you have to cancel due to a covered reason, or it can cover medical bills incurred while traveling.
If You Have Delays
Delays can bring unexpected costs your way. Travel insurance reimburses you for additional accommodations and meals when you are delayed during your trip for a covered reason.
If Something Happens to Your Things
Baggage delay, lost or stolen luggage can put a damper on your trip. With travel protection, you can get reimbursed for your things.
When purchasing a travel insurance policy, it is critical to ensure that the policy does NOT exclude pre-existing medical conditions. You can usually accomplish this by paying for the insurance within a specific time period after signing up for the trip.
We recommend travel insurance for travelers with pre-existing health issues that are concerned about cancellation issues. We recommend that all travelers purchase travel insurance for cruise vacations. We highly recommend that all travelers on International vacations purchase travel insurance.
Travel Insurance typically costs 5 to 10% of the total trip cost. Another, more expensive option, is a ‘Cancel for Any Reason’ policy which still has a deadline for cancelling but does not require that you meet a pre-qualified, valid reason for cancelling as covered by your policy.
Special Journeys does not sell travel insurance, and these types of policies are very date sensitive. We recommend contacting TravelSafe Insurance (www.travelsafe.com or 888-885-7233). Other companies offering travel insurance include: Travel Guard by AIG, Travelex Insurance Services, and Berkshire Hathaway Travel Protection.