How To Buy Travel Insurance With A Pre-Existing Condition

Insurance companies and travelers face the significant problem of pre-existing conditions.  When considering purchasing travel insurance, it’s essential to understand all the terms and conditions of compensation and coverage.


Most basic travel insurance plans exclude pre-existing conditions, meaning they don’t cover the insured person with a pre-existing condition. Comprehensive travel insurance plans are often preferred since the majority of them cover pre-existing medical conditions. However, not all pre-existing conditions are included. To qualify for the waiver there are set requirements that must be met.

The policies of insurance companies require full discloser; thus, before buying travel insurance, it’s essential to disclose any treatments, diagnostics, or prescribed medications. Before you travel, you should make sure that you are fully covered with the insurance you are purchasing.


travel insurance

Qualifications For A Medical Waiver

Before providing insurance coverage for a preexisting situation, the company will consider your age, premium, health status, timing, and accuracy. The insurance company will consider the waiver if you are medically fit to travel.


You should buy your insurance coverage as soon as you pay for your travel in order to meet the deadline for qualifying. The timeframe is typically about ten to twenty days from when you purchased your ticket. After that, you may no longer be eligible for insurance policies.

When deciding whether or not to provide coverage, the insurance company will consider the circumstances and if you were advised to see a doctor. Other covered situations include when you had symptoms from taking prescribed medication.

The policies vary between different insurance companies, thus, before buying trip insurance coverage with a pre-existing condition, consider their policies and whether there are any additional charges in case of an emergency.

Buyers Guide For Travel Insurance

A pre-existing condition should not stress you out when traveling with the right insurance policy. After meeting all the above conditions, compensation should be automatic.

You should buy insurance coverage from a company that meets all your needs and considers a waiver for a pre-existing condition. Being fit to travel when purchasing a policy is important since they only cover unforeseen conditions. If the travel insurance plan includes coverage to family members and companions, they will be eligible for the waiver as long as you purchased the policy within the fourteen days after paying for the travel.

When you buy trip cancellation coverage, you should not have to pay any extra money for the pre-existing condition costs waver. However, not all insurance companies offer this, so check with your specific company. Ultimately it is important that you seek out a company that will adequately meet your needs while you are traveling.