Our policies have been created to accommodate people who have pre-exiting conditions. We ask all of customers to input all of their medical conditions into our innovative screening engine and create a risk rating. If your rating falls within acceptable range, we will provide you with coverage.
Our policies do not have any stability period requirements prior to the purchase of your policy. Many travel insurance policies have "stability requirements" that mean if a traveller's medication, treatment or diagnosis changes any time within three months — sometimes as long as twelve months — before the time of purchase of your travel insurance, the affected condition will not be covered by the policy. We are different. Our policies do not have these stability period requirements. Instead, we find out all the information about your medical condition and determine whether coverage can be provided for everything, including any of your pre-existing medical conditions.
No. Each policy is different because each is tailor made to a customer's specific health situation. Our customers have been surprised by how reasonable and affordable our medical underwriting policies are.
Yes. With Clear Compare, you disclose all of your medical conditions in our innovative medical screening technology and we will advise you whether we can provide coverage. There are also some medical conditions that will render your risk rating to be higher than we are able to provide coverage for. In addition, we are unable to provide coverage in certain situations such as when a client has been given a terminal diagnosis, or cannot perform the tasks of daily living . We are also unable to provide coverage when a condition is undergoing investigative testing. For instance, prior to their vacation — a client may have gone into the hospital with a panic attack and the doctors run tests on their heart. We require the results of those tests before we can provide any coverage. "Every insurance policy has exclusions and limitations, such as alcohol abuse. Please read the policy and let us know if you have any questions.”
Our innovative medical screening tool make it easy and fast for you to tell us about any medical conditions you have. Your policy is tailor made for your specific health situation. You tell us what your conditions are, we write them into the policy - they are covered.