Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or customerservice@allianzassistance.com.
FAQs
Can I get travel insurance with pre-existing conditions? ›
If your pre-existing medical condition is not stable, it will not be covered by travel insurance. However, you will still be able to benefit from your travel insurance coverage for all services and care that are not related to your pre-existing non-stable condition.
Does Allianz cover pre-existing conditions? ›To be eligible for pre-existing condition coverage, you must: Be a U.S. resident. Insure the full nonrefundable cost of your trip within fourteen days of paying your first trip deposit. And be medically able to travel when you purchase your policy.
How to prove sickness for travel insurance? ›Filing a Claim for a Covered Illness
Submit all the requested documentation, which may include a Physician Statement Form, statements and records from treating doctors, documentation of refunds received from travel suppliers and more.
Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.
What conditions are not covered by travel insurance? ›Conditions which may not be covered
Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.
A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. Insurance companies can't refuse to cover treatment for your pre-existing condition or charge you more.
How to avoid pre-existing condition exclusion? ›If your health plan is fully compliant with the ACA and obtained in either the individual/family market or the employer-sponsored market, you no longer need to worry about pre-existing condition exclusion periods.
What is a waiver of pre-existing conditions? ›Simply put, the Waiver of Pre-Existing Medical Conditions covers, or “waives” the companies right to exclude pre-existing medical conditions from their policy. It's a feature only available with certain comprehensive package plans that include trip cancellation/trip interruption.
What counts as pre-existing medical conditions? ›What are pre-existing medical conditions? A pre-existing medical condition (PEMC) is an illness or injury you had before your policy began or was renewed. Examples of pre-existing medical conditions include, diabetes, asthma, high cholesterol or a long-term back condition.
What reasons are not covered by travelers insurance? ›- Reasonably foreseeable events.
- Known storms, epidemics, acts of war.
- Travel restrictions imposed by government authorities.
- Pre-existing conditions, unless the Premium plan is bought within the window for coverage.
- Dangerous activities.
What medical documentation is needed for travel insurance? ›
Illness or Injury: Provide the Attending Physician's Statement Claim Form and Planholder/Patient Authorization Claim Form. Due to a Death: Provide a photocopy of Death Certificate. Other: Provide the documentation verifying the reason your departure was postponed.
What is a medical waiver for travel insurance? ›A pre-existing conditions waiver extends your travel medical insurance to include conditions and illnesses present when you enrolled in coverage.
What if pre-existing conditions are not declared? ›Failure to disclose pre-existing conditions not only jeopardizes the chances of successful claims but may also lead to the cancellation of the policy in extreme cases.
When were pre-existing conditions eliminated? ›Before 2014, some insurance policies would not cover expenses due to pre-existing conditions. These exclusions by the insurance industry were meant to cope with adverse selection by potential customers. Such exclusions have been prohibited since January 1, 2014, by the Patient Protection and Affordable Care Act.
Is high blood pressure a pre-existing condition? ›Pre-existing diseases or PED is a kind of chronic or long-term medical condition which already exists at the time when one buys a health insurance. The most common examples of pre-existing diseases are: High blood pressure.
What is the pre-existing look back period for travel insurance? ›However, some policies have a look-back period of 60 to 180 days. If the preexisting ailment, injury or illness has changed or worsened in that period, or you've received care for it, an insurer can deny the waiver and won't cover your preexisting condition.
What is preexisting condition waiver for travel insurance? ›What is the Waiver of Pre-Existing Medical Conditions in Travel Insurance? Simply put, the Waiver of Pre-Existing Medical Conditions covers, or “waives” the companies right to exclude pre-existing medical conditions from their policy.
What is classed as a pre-existing medical condition? ›A pre-existing medical condition (PEMC) is an illness or injury you had before your policy began or was renewed. Examples of pre-existing medical conditions include, diabetes, asthma, high cholesterol or a long-term back condition.
Is high blood pressure a pre-existing condition for travel insurance? ›Holidaymakers often ask: 'Is high blood pressure a pre-existing medical condition for travel insurance? ' The answer is simple – high blood pressure is classed as a pre-existing medical condition, so you do need to tell your insurance provider when applying for a policy.