- Jun 30, 2007
I don't really expect an upgrade for tendon damage... The point I'm trying to make is that I don't know what could happen (probably nothing), and I want to be prepared for anything.I checked the tid website, and they list pre existing conditions regarding chronic pain only that requires regular medication or Regular ongoing treatment, shin splint wouldn't fall into that category.
I hate to burst your bubble but I doubt any travel insurance company would pay for you to travel business class with tendon damage.
I had a complete tear of my acl while skiing in NZ, which required a full reconstruction and the most I got was an extra seat on the plane, which had nothing to do with travel insurance and just qantas being nice. I could have had my surgery there but wanted to get home so flew home for the surgery within 24 hours of injury. Travel insurance paid for my crutches and the full leg brace which was around $150.
Most of the travel insurance fine print I've looked at says that a pre-existing condition is basically anything that I'm already aware of that will increase my risk of illness/injury. I'd rather list shin splints as a pre-existing condition and have to pay extra on my premium than risk having something happen and finding out then that they won't cover it because it was pre-existing. Having said that though, I haven't looked at TID because DH had a bad experience with them and won't consider using them again.