A survey in U.K. has shown that one in ten people travel insurance customers do not acknowledge preexisting medical conditions if they thought their conditions were to be stable.

A preexisting condition is considered a condition for which you have had symptoms, that has been consulted by a medical provider or you have treated for a preexisting condition by most insurers. Which can include adjustments and medications that change.

Many policies have a “lookback period,” which will determine the amount of time a condition must be stable to be covered under that insurance. With the lookback period it does vary by policy, but normally it will range from 60 to 365 days.

If you plan to travel, take note that your regular health plan may or may not include coverage. Some insurers are now prevented by the ACA from denying coverage for anyone with preexisting conditions.

The CDC (Centers for Disease Control and Prevention) they say that some health insurance carriers may provide some coverage for only emergencies that do occur while people are traveling. Every traveler should carefully examine their health insurance coverage and planned itinerary to determine exactly which medical services are going to be covered. Among the other important items in your policy you should also look at your exclusions for treating preexisting medical conditions. When a condition is stable, for over a long period of time may forget to report it. With any omission that can be related to a preexisting conditions may invalidate your travel coverages.

For more information about your health insurance plan contact Brazelton Insurance Group.