Going on vacation. Pre-existing question, past the waiver sign up period.

I'm traveling to Germany in December to visit family. I'm 36 now and have never purchased travel insurance before.

I have mitral valve prolapse with my heart and also PVCs which I've had 2 ablations for, last one being Dec. 2023. I do see a cardiologist like every half year.

For this trip, I want travel insurance incase something happens, like I fall and break a bone, especially in the wintertime. I didn't know until today, but I could've got travel insurance with a wavier if I knew to order it within like 14-30 days depending on which provider you go with.

I'm losing health insurance through work, which is why I want a travel one to be safe. Plus it's winter time and hike a lot, could fall on ice etc.

Would I be covered under everything else maybe, not related to the heart if I bought a plan? Or would it be a blanket denial for everything?

I saw nationwide travel insurance only goes back 60 days, and I won't see a doctor or get a new prescription during that time period (knock on wood). Does this mean it wouldn't matter in my case, since it's only 60 days history? I do take propranolol, but looking at their terms, if you don't change /add a prescription in those 60 days, you should be good.

Faye looked like a good one also, but I think I read they go back 120 days for health history. Do these companies actually look up medical records should you inquire yourself overseas? I'm not sure how this works. At least from now on, I know to get insurance immediately after booking my flights so I can get the pre existing waiver for travel insurance companies and not have to worry about any of this.

submitted by /u/DanManRT
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