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Travel Insurance Which Covers Pre Existing Medical Conditions

Travel Insurance Which Covers Pre Existing Medical Conditions

While it’s good to have travel delay and baggage loss insurance, buying a medical insurance policy before you hit the road can be the difference between an expensive vacation and a really expensive vacation. Those with pre-existing conditions may be wondering if they can still get travel insurance. Fortunately, the answer is yes.

Pre Existing Condition Coverage

A pre-existing condition is an illness, injury or medical care that involves examinations, treatments or a change in prescribed medication within 60 to 180 days of purchasing a travel insurance policy. A condition does not have to be formally diagnosed to be considered a pre-existing condition.

For example, say you’re on a bike tour around Amsterdam and have a mild heart attack. If your doctor has diagnosed you with hypertension (high blood pressure) a few weeks before your trip, this is considered a pre-existing condition.

So what does a pre-existing medical condition mean for travel insurance? The good news is that having a pre-existing condition does not prevent you from traveling or being eligible for medical insurance. Many comprehensive plans cover pre-existing conditions and can help you get your money back if you need medical treatment during your trip or have to cancel your trip entirely due to a medical problem.

To avoid being on the hook for overseas medical bills or losing a deposit before packing, look for a policy that includes a pre-existing condition waiver. Read the fine print on the insurance provider’s website; there should be no age limit for most plans, and the premium should not cost more than it would for people without pre-existing medical conditions.

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As long as you are medically fit to travel, you may qualify for a pre-existing condition waiver if you meet the following criteria and apply within the acceptable timeframe:

For example, if you put down a 50% deposit on a safari in South Africa, you must purchase travel insurance within the time specified by the insurance provider to qualify for a pre-existing medical condition waiver. If you wait too long to purchase coverage, you will miss the window to purchase coverage and the cancellation will not apply to your trip.

We recommend purchasing a travel insurance policy as soon as you make your first travel deposit.

Travel Insurance Which Covers Pre Existing Medical Conditions

If you don’t qualify for a waiver, then the travel insurance company has the right to look back at the traveler’s medical records for the last 60 to 180 days (depending on the plan), which is called the look-back period. This is done to determine if you are making a claim for an incident related to a pre-existing condition, which then determines whether or not it will be covered.

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Pre-existing medical condition waivers can also provide coverage in the event a non-traveling family member develops a medical problem mid-trip. This varies by plan.

With so many providers to choose from, it can be difficult to make the right choice. So which travel insurance for pre-existing medical conditions is best?

You can turn to travel insurance companies like Allianz, Travel Guard by AIG or RoamRight to locate the right plan for your trip.

Instead of getting quotes from every travel insurance company under the sun, we recommend InsureMyTrip, which is a free comparison site that lets you get quotes from multiple providers at once.

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You can sort and filter your results in a number of ways. Compare the plans offered and make a choice based on price, insurance provider reviews or included coverage.

Note that it is not possible to find annual travel insurance for pre-existing medical conditions. Comprehensive plans that include coverage for pre-existing conditions can only be purchased for each trip separately.

The best travel insurance options for travelers with pre-existing medical conditions include Travel Guard from AIG and Allianz.


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