Travel Insurance with Pre-Existing Condition Coverage

Coins in glass jar with accessories of traveler on wooden table. Saving money for travel concept

If you have a pre-existing condition, finding the right travel insurance plan can be tricky. Not all travel insurance plans cover pre-existing conditions, and those that do are often be expensive or have a laundry list of restrictions.

What is Pre-Existing Condition Coverage?

Pre-existing condition coverage is a type of insurance that provides benefits for medical expenses incurred as a result of a pre-existing condition. A pre-existing condition is defined as an illness, injury, or condition for which medical advice, diagnosis, care, or treatment was recommended or received within six months before the effective date of the insurance policy.

When looking for travel insurance with pre-existing condition coverage, it is important to understand what is and isn’t covered. Most policies will not cover pre-existing conditions that are ongoing or have caused you to seek medical treatment in the past six months. However, some policies will provide coverage for a pre-existing condition if it has been stable and symptom-free for a certain period before your trip.

Who Needs to Buy Pre-Existing Condition Travel Insurance?

Most people think that they only need to buy travel insurance if they’re going on an expensive once-in-a-lifetime trip. But the truth is, anyone who travels should have travel insurance even if they have a pre-existing condition.

It is because pre-existing condition coverage is one of the most important benefits of travel insurance. If you get sick or injured while on your trip, your regular health insurance may not cover you. But with pre-existing condition coverage, you’ll be protected in case of an emergency. So no matter where you’re going or how long you’re traveling, it’s a good idea to invest in a policy that includes pre-existing condition coverage.

How to apply for Pre-Existing Condition Coverage in Travel Insurance Policy?

If you want to invest in travel insurance with pre-existing condition coverage, it’s important to know how to apply.

  1. Provide information about your health condition when you purchase the policy. This will help the insurance company determine whether or not your condition is covered.
  2. Note that pre-existing condition coverage often comes with exclusions. This means that not all conditions will be covered by the policy. Read the terms and conditions closely before purchasing a plan.

What Coverage should you look for when Buying Pre-Existing Condition Travel Insurance?

When looking for pre-existing condition coverage, it is important to take stock of what kind of coverage you are looking for. 

  • Most comprehensive plans will provide coverage for health care and medical expenses related to a pre-existing condition including doctor visits, hospital stays, and prescriptions. 
  • Comprehensive plans may also provide coverage for trip cancelation due to a pre-existing condition, emergency medical evacuation, and repatriation of remains. It is important to read the fine print of the plan to identify which services are covered and excluded from the policy.

Coverage Type

It’s important to determine the type of coverage you need for your pre-existing condition. Generally speaking, two general types of coverage are available:

  • Medical Coverage- Medical coverage will cover the cost of treatment for your pre-existing condition if it becomes necessary while you’re traveling. 
  • Non-medical Coverage- Non-medical coverage is designed to cover costs associated with other emergencies, such as evacuation or return of remains.

Depending on your individual needs, you may require a combination of both types of coverage to ensure a comprehensive security net during your travels.


One of the most important things to consider when looking for travel insurance with pre-existing condition coverage is the option to extend. Most travel insurance policies will offer coverage for specified lengths of time, but they also offer the option to extend if you need additional protection. This is beneficial if you’re planning a trip that will have you away from home longer than anticipated or if your condition worsens while on vacation and you need additional coverage. You should always read through the terms of your policy before you decide on purchasing, in order to understand any restrictions or extensions that may be offered.


To make sure that you are getting the coverage that you need, you should look for a travel insurance plan that is refundable in the event of a canceled trip. This will ensure that you will not only be reimbursed for any medical expenses, but also any non-refundable travel costs. As long as the insurance provider offers refundable coverage, you should be able to receive your money back if you have to cancel your trip due to your pre-existing condition or if the trip is affected by a natural disaster.


When it comes to cost, there’s no question that travel insurance with pre-existing condition coverage can be expensive, but the good news is that many insurance companies offer discounts for those who purchase a policy in advance. It’s important to shop around and compare prices between different companies to ensure you’re getting the best deal. Also, be sure to read the fine print to understand what types of medical treatments are covered by your policy and any potential exclusions or limitations. The right travel insurance plan will provide you with peace of mind and financial protection while traveling abroad.

Cashless Billing

Carefully take into account the specifics of the cashless billing provision when choosing a travel insurance policy that covers pre-existing conditions. Through this function, you may submit your medical expenses for payment to the insurance company directly. In searching for a practical approach in handling your medical costs while traveling, this is a great alternative. Cashless billing simplifies any necessary documentation and does away with the necessity for out-of-pocket payments. All qualified benefits are paid directly by the insurer upon receipt of your bills, there are no additional fees or complications.

Claims Processing and Claim Resolution

This is critical to assess the claims processing and claim settlement procedures when choosing a travel insurance policy with pre-existing condition coverage. To guarantee that all applications are addressed effectively and promptly, an insurer should have procedures in place that are both efficient and effective. 

It’s crucial to keep in mind that not all policies are made equal while searching for travel insurance with pre-existing condition coverage. Be sure you properly study the policy and comprehend what is and is not covered. The majority of plans will not cover pre-existing conditions if they are not declared at the time of purchase, therefore it is crucial to apply for travel insurance as early as possible.