Pre-existing Medical Condition

A pre-existing medical condition refers to any illness, injury, or medical issue for which you have received a diagnosis, medical advice, care, or treatment before the effective date of your travel protection plan. This includes chronic conditions and past medical events that may affect eligibility for certain benefits under your plan.

Yes, coverage for certain pre-existing medical conditions may be available if you meet the plan’s eligibility criteria. This typically includes purchasing the travel protection plan within a specific number of days after your initial trip payment and being medically fit to travel at the time of purchase. Without meeting these conditions, benefits related to pre-existing conditions may be excluded.

A waiver of the pre-existing condition exclusion is a feature available with some AXA Travel Protection plans. If you purchase the travel insurance plan within a designated timeframe from your initial trip payment and meet other criteria, the waiver may allow coverage for certain pre-existing conditions that would otherwise be excluded. No additional medical evaluation is required, but eligibility depends on the timing and stability of the condition.

The look-back period is the timeframe before your travel protection plan’s effective date during which your medical history is reviewed to identify any pre-existing conditions. If your condition changed, required new treatment, or had symptoms during this period, it may affect coverage unless a waiver applies. The specific length of the look-back period varies by plan.

You are not typically required to disclose your medical history when purchasing a travel insurance plan. However, if you file a claim related to a medical issue, the travel assistance provider may request medical records or billing history to determine if it relates to a pre-existing condition. It is important to retain documentation in case verification is needed.

For AXA Travel Protection plans, commonly reviewed pre-existing conditions include diabetes, heart conditions, high blood pressure, asthma, and mental health conditions such as anxiety or depression. These conditions may be subject to exclusions unless your plan includes a waiver of the pre-existing condition exclusion, and eligibility requirements are met. Always refer to your travel insurance plan documents for details.

AXA Travel Protection plans include a look-back period to assess the stability of pre-existing conditions. If your condition changed during this time, such as experiencing new symptoms, adjusting medications, or being hospitalized, it may be considered unstable and excluded from coverage. However, if your travel protection plan includes a waiver of the pre-existing condition exclusion and you meet the eligibility requirements, coverage may still apply. Review your travel insurance plan documents to understand how this benefit works.

Yes, if you submit a claim related to a pre-existing condition, you may be asked to provide medical documentation such as doctor’s notes, prescriptions, or billing history. This helps the travel assistance provider evaluate whether the event is covered under the terms of your travel protection plan.

Mental health conditions, such as depression or anxiety, are reviewed using similar criteria as physical health conditions. If treatment has been stable and unchanged during the look-back period, and you meet the plan’s timing and eligibility requirements, coverage may be available. Recent changes in medication or therapy may affect eligibility.

AXA’s travel assistance services can help coordinate support for eligible medical needs related to pre-existing conditions in many destinations. However, services depend on local infrastructure, regulations, and travel insurance plan terms. If a condition is covered and all criteria are met, AXA can assist with coordinating care or approved transportation during your trip.