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Are there pre-existing conditions with travel insurance?

Daniel Walker
Licensed Insurance Agent for 15 Years

UPDATED: Mar 19, 2020

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Pre-existing conditions will disqualify most people from collecting on their travel insurance coverage unless steps are taken to waive the pre-existing condition exclusion.

For the purposes of travel insurance, a pre-existing condition is one for which the insured, or a family member of the insured, sought or received medical care within a certain amount of time prior to the purchase of travel insurance.

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The window of time ranges from 60 days to 120 days, depending on the travel insurance provider. Learn more about pre-existing conditions and travel insurance coverage below.

How can I find travel insurance even with my pre-existing condition?

Travelers with pre-existing conditions will have to do a thorough search of the available options before deciding on the travel insurance provider that best fits their unique needs. Use the free box on this page for instant access to quotes from many different travel insurance providers in your area. Just type in your zip code to find the best travel insurance company to insure you despite your pre-existing conditions.

What constitutes a pre-existing condition?

Most travel insurance companies consider you to be in possession of a pre-existing condition if you were either referred to a doctor or actually saw a doctor, if you had blatant symptoms that should have caused you to see a doctor, or if you took prescription medication for the condition.

In regard to the latter stipulation, however, you might be able to get around it if your medication remained the same for the duration of the pre-purchase period and if the condition was fully regulated by the medication.

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How can I get a travel insurance waiver for my pre-existing condition?

If you are willing to jump through a few hoops at a higher premium, you will be able to find travel insurance despite your pre-existing condition. These hoops affect how you pay for your coverage, which coverages you must purchase, and the maximum amount of insurance you may purchase.

Many travel insurance companies specify a maximum amount of coverage when the insured has a pre-existing condition. They will not insure travel arrangements in excess of a certain amount of money. $50,000 per person is a number commonly employed for this purpose.

Travel insurance providers can also dictate the purchase of cancellation coverage in the event that you are unable to complete your trip due to your pre-existing condition. While this coverage is not a mandatory component of the insurance package for those without pre-existing conditions, it is required for those seeking the pre-existing conditions waiver.

Time restrictions may also be placed on the purchase of insurance when a pre-existing condition is involved. Some companies will not sell travel insurance to someone with a pre-existing condition unless the prospective insured buys the policy before more than two weeks have elapsed from when the trip was booked. Other companies specify a week. Be sure to purchase travel insurance as soon as you put any money down toward your trip if you want to ensure full coverage in spite of your pre-existing condition.

What kind of medical coverage will I get through travel insurance?

Medical coverage offered through travel insurance can take the form of anything from general health care to the transportation needs that could arise if you need to get back home fast. Some travel insurance companies provide telephone services as a convenience for the insured as well. Since it can be difficult to know where or how to access medical care—especially in foreign countries—the phone presence of a knowledgeable, English-speaking doctor can go a long way toward setting the tone for efficient medical care no matter where you roam.

Where are the best rates on travel insurance with pre-existing conditions?

The best rates on travel insurance for those with pre-existing conditions are right here. Type your zip code into the free box on this page to access travel insurance quotes specific to your area. While securing effective travel insurance when you have a pre-existing condition can be difficult, it doesn’t have to be impossible. The quote comparison tool on this page will have you on your way to a happy and healthy trip in no time. Compare online travel insurance rates now!

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