Pre-Existing Conditions and Travel Insurance

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Many travel insurance policies treat pre-existing medical conditions differently from new illnesses or injuries. The rules differ a lot by plan, so it is important to read the definition in the policy.

Common ideas you may see

Look-back period: a period before your purchase when treatment or changes may count a condition as pre-existing
Waiver or exception: some plans may offer coverage for certain conditions if you meet conditions such as buying early and insuring the full trip cost
Exclusions: some conditions may not be covered at all

Questions to ask the insurer

How does the policy define a pre-existing condition?
How long is the look-back period?
Is there any waiver, and what conditions apply?
Does the plan cover emergency care for a stable condition?

Tips

Be accurate and complete when you answer health questions
Keep medical records and prescription details with you when you travel
Ask your doctor whether travel is advisable for your situation