What Are Pre-Existing Conditions For Travel Insurance? 

If you are planning to purchase travel insurance, you may want to know more about the coverage and the exclusions. A pre-existing condition is any illness, injury, or other medical concern that you had within sixty to 180 days before you purchased travel insurance. It does not have to be a formal diagnosis; it could be something as simple as high blood pressure. 

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Pre-existing conditions 

If you have a medical condition that has been present for a long time, you may have to pay more for your travel insurance coverage than if you didn’t have a condition at all. However, that shouldn’t prevent you from traveling. There are a variety of comprehensive travel insurance policies that cover pre-existing conditions and will help you recover the cost of medical treatment. 

Before enrolling in a travel insurance policy, you should make sure you discuss your health history with the company representative. Some plans require you to fill out a health history form. This form will ask about your general health history and may require specific questions regarding your health condition. The doctor will then use this information to form an opinion that will be shared with your travel insurance company. 

Travel insurance companies may look back at your medical history and that of family members to decide whether or not a claim is related to a pre-existing condition. If your pre-existing condition is diagnosed while you are traveling, the insurance company will deny your claim and not pay for it. If you have chronic conditions, you may also qualify for a waiver. 


Before buying travel insurance, be sure to find out the pre-existing condition exclusions. Certain health conditions, such as pregnancy and mental disorders, are not covered under any travel insurance policy. However, these conditions can sometimes be waived with a pre-existing condition waiver. The benefits of this waiver vary from policy to policy. 

Pre-existing conditions are medical conditions that you may have had before you bought the insurance policy. These conditions can include congenital ailments and conditions that developed later in life. Most policies will exclude these conditions from coverage if you have received treatment for them during the lookback period. But some policies may waive the pre-existing condition exclusions if the condition has been diagnosed or treated within a specific period. However, this coverage is often very time sensitive, so be sure to check the details before you buy your travel insurance. 

Most travel insurance policies do not cover pre-existing conditions if they occur before the policy’s effective date. This is because the insurer may look back up to 60 or 180 days before the date of your policy purchase. It will consider any changes in your medical condition during this time, as well as any prescription medications that you may have been taking. 


Before purchasing a travel insurance policy, be sure to review the pre-existing conditions clause. In many cases, pre-existing conditions can prevent you from getting the coverage you need. If a family member is ill or injured while you’re traveling, for example, the insurance company might consider that as a pre-existing condition. 

In such cases, you’ll want to take out a policy with a pre-existing condition waiver, which will cover any medical expenses incurred abroad. However, you should make sure the policy has no age or health restrictions, and the premium should not be higher than that of a non-pre-existing condition policy. You’ll also want to make sure you buy the policy before you leave, either when you first pay your deposit for the trip or shortly after. It is also important to make sure you buy a plan that covers any non-refundable expenses.