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Are pre-existing illnesses covered ?

A pre-existing illness or pre-existing medical condition refers to a medical condition known at the time of purchase or at the time the travel insurance or the cancellation insurance comes into effect.

Travel assistance contract

Pre-existing illnesses are only covered if they have been stabilized for "a certain time" at the moment of departure. In other words, the illness is only covered if no relapse or aggravation is foreseeable during the stay or if no new treatment is necessary.

The final acceptance of the file will be left to the discretion of our medical team on the basis of a medical report. 

Cancellation insurance

In our cancellation insurance, pre-existing or chronic illness are covered as long as the attending doctor certifies that the person was medically fit to travel at the time of booking of the trip and subscription of the insurance, and that the person is no longer medically fit to travel at the time of departure.

Pre-existing advanced or terminal illnesses of persons who are not insured by the contract at the time of the booking of the trip or at the time that the insurance is subscribed, are excluded.