Domestic Partner Coverage

Travel Insured offers domestic partners a waiver of a Pre-Existing Medical Condition exclusion – meaning insurance coverage is extended to such conditions – provided our Worldwide Trip Protector comprehensive plan is purchased within 14 days of the trip deposit. The insured person must be able to travel when they purchase the plan, and the covered trip must also be the first and only booking for the dates and destination for the waiver to apply. The Pre-Existing Condition waiver can extend to the traveler, his or her travel companion and to members of their families, including the documented domestic partner.

“Domestic Partner” is defined in Travel Insured’s coverage as a person 18 years or older with whom the insured person has been living in a spousal relationship for at least 10 continuous months. Travelers must document the domestic partner status with evidence of cohabitation for the period leading directly up to the effective date of the coverage. When documented, a domestic partner can obtain benefits under the WTP policy definition of “family member” for purposes of coverage.

The following Worldwide Trip Protector Trip Cancellation or Trip Interruption benefits can extend to the “Domestic Partner”:

Q Waiver of the “Pre-Existing Medical Condition” exclusion. This means a Pre-Existing Condition can be covered under the policy (see qualifications below). This is any injury, sickness or condition of the insured, a traveling companion, or any family members, including a domestic partner. It is Pre-Existing when medical advice, diagnosis or treatment was given during 180 days immediately before the policy effective date. When no change occurs in an ongoing prescription or treatment during the 180 days, the condition is not considered Pre-Existing.

Q Qualifications for the Pre-Existing coverage include: a WTP insurance purchase within 14 days of initial trip deposit; a policy purchase for the full, non-refundable trip cost; the insured must not be disabled at the time of policy purchase, and the insured trip must be the first and only booking for the same dates and destination.

Q Trip Cancellation or Trip Interruption for any Sickness, Accident, Injury or Death to the Insured or a Family member can be covered. A family member, under the policy definition, includes a documented Domestic Partner.

Q Under Travel Insured’s WTP Emergency Evacuation, the policy can pay for one person, chosen by the insured, to travel to and from a hospital where the sick or injured person is confined with no attending travel companion. This can cover up to the cost of a roundtrip economy airline ticket.