Travel and Medical Problems

Have you ever heard the old saying “With Age Comes Wisdom”? I think that expression could be applied to the relationship between many young people and travel insurance. As young adults, my wife and I planned family vacations each year and travel insurance was never on our radar. So what changed? The amount of money allotted for vacations continued to increase, as well as a new variable— Covid 19. Travel insurance and medical problems were now always included when discussing travel plans.

What is Travel Insurance?

Travel Insurance products cover unforeseen losses incurred while traveling, either internationally or domestically. Basic Travel Board policies generally only cover emergency medical expenses while overseas, while comprehensive policies typically include coverage for trip cancellation, lost luggage, flight delays, public liability, and other expenses.

Travel Insurance with Regard to Medical Problems

When planning for the next trip or vacation, the last thing on our mind is a medical emergency. However, should the unexpected happen, travel insurance provides coverage to help travelers with costs like:

  • Medical services for any sickness or illness that may emerge during a trip
  • Health care for any accident or illness that affect policyholders
  • Necessary medical evacuations
  • The return of mortal remains, in the event of death

Once Covid 19 became a real concern, many travel insurance policies added coverage for the following unforeseen scenarios:

  • Emergency Medical Coverage—triggered when a sick traveler must see a doctor and/or go to the hospital during a trip.
  • Emergency Medical Evacuation Coverage—required in those rare cases, when a sick traveler requires an emergency medical evacuation to the nearest appropriate hospital or back home for recuperation.
  • Trip Interruption—whenever an extremely sick traveler cannot continue on a trip and must return home.
  • Cancellation For Any Reason—Currently, if you are looking for trip cancellation coverage because you are concerned about Covid-19, you will now need to purchase a plan that includes Cancel For Any Reason since the travel warnings are now foreseen. This benefit is time sensitive and may have other eligibility requirements.

What About Pre-existing Conditions?

A pre-existing condition is any change in your health documented in your medical record by a medical professional including any treatments, diagnostic testing or examinations, medical recommendations for tests or examinations, or a change in Ambulance prescribed medication.

Pre-existing conditions with regard to health care usually send up a red flag. However, Emergency Medical Coverage is automatically included on all comprehensive travel insurance plans. This coverage can help reimburse the cost of emergency medical care while traveling. The majority of comprehensive travel insurance plans will also cover pre-existing medical conditions and there is no additional charge.

Keep in mind, in order to get coverage for pre-existing conditions, you must qualify and obtain a pre-existing medical condition waiver.


Once Covid-19 became a part of our lives, any planned trip that did not include the purchase of travel insurance was just not a financially wise decision. The unexpected happens and unless things change, the likelihood of contracting Covid-19 has become a real possibility. Given the cost of travel today, money spent on a travel insurance, is money well spent, and as an added benefit, may provide you with peace of mind.

I look forward to reading your comments and don’t forget to share this article with friends and family.

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