Travel season is here, and your clients are preparing for their next adventure. As they finalize their plans, it’s essential to ensure they fully understand how pre-existing medical conditions are handled under the Senior Guard Plan.
Pre-existing medical conditions must be stable prior to departure in order to be eligible for coverage.
What Exactly Does “Stable” Mean?
A Medical Condition (other than a Minor Ailment) is considered Stable only if ALL the following statements are true for a specified period:
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There has not been a new diagnosis, any new Treatment prescribed or recommended, or change(s) to existing Treatment (including a stoppage in Treatment), and
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There has not been any change to any existing prescribed Medication (including an increase, decrease, or stoppage to prescribed dosage), or any recommendation or starting of a new prescription Medication (except for the routine adjustment of Coumadin, Warfarin, or insulin and the change from a brand name Medication to a generic brand Medication of the same dosage); and
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There have not been any new, more frequent, or more severe Symptoms, and
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There has not been any Hospitalization or referral to a specialist, and
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There has not been any medical exam, investigative testing, or test results showing deterioration; and
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There has not been any Treatment recommended, planned, or not yet completed, nor any outstanding test results.
Important Note:
If a client holds an annual Senior Guard plan, stability AND eligibility MUST be met before every departure date.
Keep in mind that this policy includes additional exclusions that may be relevant to your client’s situation. It’s always a good idea to encourage them to review the full policy wording before they travel, so they understand exactly what’s covered and what isn’t
Client’s Pre-Travel Checklist
☑ Review Policy: Understanding what the policy offers is the best way to travel confidently
☑ Contact Broker: Let your client know that you can be contacted if they have any questions prior to their trip – you are the expert!
☑ Know the Claims Process: Understand what to do if a claim needs to be made
Senior Guard offers the option to purchase coverage with as little as a 7-day stability period. This means pre-existing medical conditions must remain unchanged for at least seven days before the departure date.
