Pre-Existing Condition

The table below shows you at a glance which company provides the most comprehensive cover for the Pre-Existing Condition coverage element within your policy. The table is split into plan type and ordered by amount of benefit coupled with an internal rating system with the plan providing the most comprehensive coverage (rated 100) at the top of each section. The rating applies to the Pre-Existing Condition coverage element not the plan as a whole. If you see a plan listed more than once, this means the plan offers different coverage for the residents of the states listed next to the plan name. Click the coverages listed below the table or the further research button to view more coverage tables. Remember, you are only 6 quick questions away from an instant quote from all the major travel insurance providers.
Coverage Description
A pre-existing condition is an illness or medical condition that existed before a policy's effective date, usually excluded from coverage. Travel Protection plans may include coverage provided you meet the condition of that insurance carrier. Many carriers provide cover if the policy is purchased within a certain number of days after the initial trip deposit was made. A few carriers provide cover if the policy is purchased before the final payment date. Please refer to the policy summary to determine any conditions for coverage. Some Medical Plans may provide limited cover; Some may cover pre-existing conditions after a specified waiting period, while others do not provide any coverage. View full policy wording for Pre-Existing Condition for the policies below
Travel Insurance - Coverage for all types of travel. Includes cancellation
#	Company / Plan Name	Benefit
1	HTH TripProtector	Covered if policy purchased before the final trip payment
2	HTH TripProtector Preferred	Covered if policy purchased before the final trip payment
3	MH Ross Trip Insurance Basic	Covered if policy purchased within 15 days of trip deposit
4	TravelSafe TravelSafe Premier	Covered if policy purchased within 15 days of trip deposit
5	Global Alert Admin Global Alert Preferred	Covered if policy purchased within 15 days of trip deposit
6	Global Alert Admin Global Alert Preferred Plus	Covered if policy purchased within 15 days of trip deposit
7	Global Alert Admin Global Alert Essentials	Covered if policy purchased within 15 days of trip deposit
8	Travel Guard Cruise Tour & Travel	Covered if policy purchased within 15 days of trip deposit
9	Travel Guard Essential	No coverage Pre-existing look-back period 180 days
10	iTravelInsured Student Travel	Covered if policy purchased within 14 days of trip deposit
11	MH Ross Trip Insurance Extra	Covered if policy purchased within 15 days of trip deposit
12	TravelSafe TravelSafe Elements for Individuals	Covered if policy purchased within 15 days of trip deposit
13	Travel Insured Trip Protector Lite	No coverage Pre-existing look-back period 180 days
14	Travel Insured Trip Protector Lite Expanded	Covered if policy purchased within 14 days of trip deposit
15	Travel Insured WTP - Comprehensive Plan	Covered if policy purchased within 14 days of trip deposit
16	Travel Insured WTP Gold - Comprehensive Plan	Covered if policy purchased within 14 days of trip deposit
17	MH Ross Trip Insurance Enhanced	Covered if policy purchased within 15 days of trip deposit
18	Travelex Travel Plus	Covered if policy purchased within 21 days of trip deposit Maximum Waiver Amount for Medical Expense is $50,000
19	Travelex TraveLite	Covered if policy purchased within 21 days of trip deposit Maximum Waiver Amount for Medical Expense is $30,000
20	Travel Insurance Services Travel Insurance Select Basic	No coverage Pre-existing look-back period 60 days
21	Travel Insurance Services Travel Insurance Select Elite	Covered if policy purchased within 21 days of trip deposit
22	Travel Insurance Services Travel Insurance Select Plus	Covered if policy purchased within 15 days of trip deposit
23	CSA WebDirect	No coverage Pre-existing look-back period 180 days
24	CSA WebDirect Luxe	Covered if policy purchased before the final trip payment
25	USA-ASSIST GlobalTrip Saver	No coverage Pre-existing look-back period 60 days
26	USA-ASSIST GlobalTrip Plus	No coverage Pre-existing look-back period 60 days
27	USA-ASSIST GlobalTrip High Medical	No coverage Pre-existing look-back period 60 days
28	USA-ASSIST GlobalTrip Super	No coverage Pre-existing look-back period 60 days
29	Travel Guard Adventure Travel Protection	Covered if policy purchased within 15 days of trip deposit
30	Travelex Travel Basic	No coverage Pre-existing look-back period 60 days
31	Travelex Travel Select	Covered if policy purchased within 21 days of trip deposit
32	Travelex Travel Max	Covered if policy purchased within 30 days of trip deposit
33	iTravelInsured Picture Perfect Vacation	Covered if policy purchased within 14 days of trip deposit
34	iTravelInsured Lite Protection Plan	Covered if policy purchased within 14 days of trip deposit
35	iTravelInsured Elite Vacation	Covered if policy purchased within 14 days of trip deposit
36	Travel Guard Essential Expanded	Covered if policy purchased within 15 days of trip deposit
37	Travel Guard Protect Assist	Covered if policy purchased within 15 days of trip deposit
38	TravelSafe TravelSafe Vacation Insurance	Covered if policy purchased within 15 days of trip deposit
39	IMG Patriot T.R.I.P.	Covered if policy purchased within 14 days of trip deposit
40	IMG Patriot T.R.I.P. Elite	Covered if policy purchased within 14 days of trip deposit
41	IMG Patriot T.R.I.P. Student	Covered if policy purchased within 14 days of trip deposit
42	Travel Guard Gold (Protect Assist)	Covered if policy purchased within 15 days of trip deposit
43	Travel Guard Sportsman's Travel	Covered if policy purchased within 15 days of trip deposit
44	Travel Guard Tee, Tour & Travel	Covered if policy purchased within 15 days of trip deposit
45	Travel Guard Cruise Tour & Travel Platinum	Covered if policy purchased within 15 days of trip deposit
46	Travel Guard Basic (Essential)	No coverage Pre-existing look-back period 180 days
47	Travel Guard Silver (Essential Expanded)	Covered if policy purchased within 15 days of trip deposit
48	Travel Guard Essential Basic	No coverage Pre-existing look-back period 180 days
49	Travel Guard Essential Expanded Silver	Covered if policy purchased within 15 days of trip deposit
50	Travel Guard Cruise Tour & Travel Platinum	Covered if policy purchased within 15 days of trip deposit
51	Travel Guard Protect Assist Gold	Covered if policy purchased within 15 days of trip deposit
52	Seven Corners RoundTrip	Covered if policy purchased within 10 days of trip deposit
53	Seven Corners RoundTrip Choice	Covered if policy purchased within 10 days of trip deposit
Travel Insurance - Limited or no cancellation.
#	Company / Plan Name	Benefit
1	Travelex Travel Annual - Flight AD&D Only	No coverage
2	Travelex Flight Plus - Flight AD&D Only	No coverage
3	Travelex Flight Plus - Package Plan	No coverage
4	Travel Insured Airline Ticket Protector	Covered if policy purchased within 14 days of trip deposit
5	Travel Guard Pack' N Go	No coverage Pre-existing look-back period 60 days
Annual Travel Insurance - Frequent travelers unlimited short trips.
#	Company / Plan Name	Benefit
1	Travelex Travel Annual - Package Plan	No coverage Pre-existing look-back period 60 days
2	MEDEX TravMed Abroad Annual	No coverage Pre-existing look-back period 180 days
3	iTravelInsured Annual Travel Medical Program	No coverage Pre-existing look-back period 60 days
4	HTH TravelGap Multi-Trip Silver	Covered
5	HTH TravelGap Multi-Trip Gold	Covered
6	HTH TravelGap Multi-Trip Silver	Covered
7	HTH TravelGap Multi-Trip Gold	Covered
8	HTH TravelGap Multi-Trip Silver	Covered
9	HTH TravelGap Multi-Trip Gold	Covered
10	Travel Guard Travel Rite Annual	No coverage Pre-existing look-back period 90 days
11	Travel Guard Business Travel Guard	No coverage Pre-existing look-back period 90 days
Medical Evacuation Plans - Coverage for medical evacuation and repatriation only
#	Company / Plan Name	Benefit
1	MedjetAssist Annual Membership	Covered
2	MedjetAssist MedjetAssist Extended Stay	Covered
3	MedjetAssist MedjetAssist Short Term Plan	Covered
4	MEDEX Plus Scholastic Excluding US	Covered
5	MEDEX Safe Trip Per-trip	Covered
6	MEDEX Safe Trip Annual	Covered
7	MEDEX Safe Trip Annual Expatriate	Covered
8	MEDEX Plus Scholastic Including US	Covered
9	On Call International Multi Trip Plan	No coverage
10	On Call International Extended Stay Plan	No coverage
11	On Call International Short Term Plan	No coverage
12	Travel Guard MedEvac Per Trip	No coverage Pre-existing look-back period 180 days

Pre-Existing Condition

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Travel Insurance Benefits

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Frequently Asked Questions