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Travel Insurance Pre-Existing Condition Coverage

Pre-Existing Medical Condition CoverageOne of the major exclusions of all travel insurance policies is the one concerning pre-existing medical conditions. While these are excluded in all plans there are specific circumstances in which the exclusion can be waved including the payment of additional premium.

What is Considered a Pre-existing Condition

Travel insurance carriers will consider to be a pre-existing condition any medical condition that you experienced symptoms of or were diagnosed with or sought medical treatment for or were prescribed medication or a had change in prescription medication, a specific number of days prior to you purchasing your travel policy. This time period can vary between 60 and 180 days depending upon the individual plan. This is also known as the look back period.

If you were medically stable during this look back period, all medical coverages in the policy would be in effect. Being medically stable means that you experienced no new medical conditions and had no change in any prescribed medications during the look back period. And that you were able to travel on your departure day.

Requirements for Receiving a Pre-existing Condition Wavier

There are specific conditions for having the pre-existing condition exclusion waved:

  • You must purchase trip cancellation insurance for all pre-paid, non-refundable trip expenses.
  • You must purchase coverage usually within 14 – 21 days of making your first trip deposit or trip payment.
  • You must be medially stable on the day you purchase your travel insurance.
  • If your policy offers the wavier for an additional cost that premium must be paid for medical coverages to be effective.

Questions about Pre-existing Conditions

Pre-existing conditions can be confusing for many. The safest way to make sure you have the coverage you need is to check with your carrier. Discuss with them your particular situation to make sure you understand what will be covered in case you need to file a medical claim. Don’t take chances. There is nothing worse than finding out you are not covered when you believe you are and something happens. All travel insurance companies will gladly provide you assistance for particular situations and issues you might have.


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