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	Seven Corners RoundTrip	Covered if policy purchased within 10 days of trip deposit
4	MH Ross Trip Insurance Basic	Covered if policy purchased within 15 days of trip deposit
5	AIG Travel Guard Essential Basic	No coverage Pre-existing look-back period 180 days
6	AIG Travel Guard Essential Expanded Silver	Covered if policy purchased within 15 days of trip deposit
7	AIG Travel Guard Essential Expanded Silver plus Umbrella Package	Covered if policy purchased within 15 days of trip deposit
8	TravelSafe TravelSafe Premier	Covered if policy purchased within 15 days of trip deposit Conditions may apply
9	TravelSafe TravelSafe Vacation Insurance	Covered if policy purchased within 15 days of trip deposit Conditions may apply
10	Elvia Elvia Deluxe Comprehensive	Covered if policy purchased within 14 days of trip deposit
11	Elvia Elvia Classic Comprehensive	Covered if policy purchased within 14 days of trip deposit
12	IMG (referred by) Patriot T.R.I.P.	Covered if policy purchased within 14 days of trip deposit
13	IMG (referred by) Patriot T.R.I.P.	Covered if policy purchased within 14 days of trip deposit
14	Global Alert Admin Global Alert Preferred	Covered if policy purchased within 15 days of trip deposit
15	Global Alert Admin Global Alert Preferred Plus	Covered if policy purchased within 15 days of trip deposit
16	Global Alert Admin Global Alert Essentials	Covered if policy purchased within 15 days of trip deposit
17	AIG Travel Guard Protect Assist	Covered if policy purchased within 15 days of trip deposit
18	AIG Travel Guard Essential Expanded	Covered if policy purchased within 15 days of trip deposit
19	AIG Travel Guard Cruise Tour & Travel	Covered if policy purchased within 15 days of trip deposit
20	AIG Travel Guard Essential	No coverage Pre-existing look-back period 180 days
21	AIG Travel Guard Protect Assist plus Umbrella Package	Covered if policy purchased within 15 days of trip deposit
22	AIG Travel Guard Essential Expanded plus Umbrella Package	Covered if policy purchased within 15 days of trip deposit
23	iTravelInsured Lite Protection Plan	Covered if policy purchased within 14 days of trip deposit
24	iTravelInsured Student Travel	Covered if policy purchased within 14 days of trip deposit
25	MH Ross Trip Insurance Extra	Covered if policy purchased within 15 days of trip deposit
26	iTravelInsured Picture Perfect Vacation	Covered if policy purchased within 14 days of trip deposit
27	TravelSafe TravelSafe Elements for Individuals	Covered if policy purchased within 15 days of trip deposit Conditions may apply
28	Travel Insured Trip Protector Lite	No coverage Pre-existing look-back period 180 days
29	Travel Insured Trip Protector Lite Expanded	Covered if policy purchased within 14 days of trip deposit
30	Travel Insured WTP - Comprehensive Plan	Covered if policy purchased within 14 days of trip deposit
31	Travel Insured WTP Gold - Comprehensive Plan	Covered if policy purchased within 14 days of trip deposit
32	MH Ross Trip Insurance Enhanced	Covered if policy purchased within 15 days of trip deposit
33	Travelex Travel Plus	Covered if policy purchased within 21 days of trip deposit Maximum Waiver Amount for Medical Expense is $50,000
34	Travelex TraveLite	Covered if policy purchased within 21 days of trip deposit Maximum Waiver Amount for Medical Expense is $30,000
35	Travel Insurance Services Travel Insurance Select Basic	No coverage Pre-existing look-back period 60 days
36	iTravelInsured Elite Vacation	Covered if policy purchased within 14 days of trip deposit
37	Travel Insurance Services Travel Insurance Select Elite	Covered if policy purchased within 21 days of trip deposit
38	Travel Insurance Services Travel Insurance Select Plus	Covered if policy purchased within 15 days of trip deposit
39	AIG Travel Guard Cruise Tour & Travel Platinum	Covered if policy purchased within 15 days of trip deposit
40	AIG Travel Guard Protect Assist Gold	Covered if policy purchased within 15 days of trip deposit
41	AIG Travel Guard Protect Assist Gold plus Umbrella Package	Covered if policy purchased within 15 days of trip deposit
42	Seven Corners RoundTrip	Covered if policy purchased within 10 days of trip deposit
43	Seven Corners RoundTrip Choice	Covered if policy purchased within 10 days of trip deposit
44	CSA WebDirect	No coverage Pre-existing look-back period 180 days
45	CSA WebDirect Luxe	Covered if policy purchased before the final trip payment
46	USA-ASSIST GlobalTrip Saver	No coverage Pre-existing look-back period 60 days
47	USA-ASSIST GlobalTrip Plus	No coverage Pre-existing look-back period 60 days
48	USA-ASSIST GlobalTrip High Medical	No coverage Pre-existing look-back period 60 days
49	USA-ASSIST GlobalTrip Super	No coverage Pre-existing look-back period 60 days
Travel Insurance - Limited or no cancellation.
#	Company / Plan Name	Benefit
1	Travel Insured Ticket Protector	Covered if policy purchased within 5 days of trip deposit
2	Travelex Travel Annual - Flight AD&D Only	No coverage
3	Travelex Flight Plus - Flight AD&D Only	No coverage
4	Travelex Flight Plus - Package Plan	No coverage
5	Elvia Elvia Deluxe Limited	Covered if policy purchased within 14 days of trip deposit
6	Elvia Elvia Classic Limited	Covered if policy purchased within 14 days of trip deposit
Annual Travel Insurance - Frequent travelers unlimited short trips.
#	Company / Plan Name	Benefit
1	HTH TravelGap Multi-Trip Silver	Covered
2	HTH TravelGap Multi-Trip Gold	Covered
3	Travelex Travel Annual - Package Plan	No coverage Pre-existing look-back period 60 days
4	HTH TravelGap Multi-Trip Silver	Covered
5	HTH TravelGap Multi-Trip Gold	Covered
6	MEDEX TravMed Abroad Annual	No coverage Pre-existing look-back period 180 days
7	iTravelInsured Annual Travel Medical Program	No coverage Pre-existing look-back period 60 days
8	HTH TravelGap Multi-Trip Silver	Covered
9	HTH TravelGap Multi-Trip Gold	Covered
Medical Evacuation Plans - Coverage for medical evacuation and repatriation only
#	Company / Plan Name	Benefit
1	Access America Annual MedEvac - Extended Stay 12 months	Covered for medical evacuation only
2	Access America Annual Med Evac Standard	Covered for medical evacuation only
3	Access America Annual Med Evac - Extended Stay 6 months	Covered for medical evacuation only
4	MedjetAssist MedjetAssist 1 year membership	Covered for medical evacuation only
5	MedjetAssist MedjetAssist Extended Stay	Covered for medical evacuation only
6	MedjetAssist MedjetAssist Short Term Plan	Covered for medical evacuation only
7	MEDEX Plus Scholastic Excluding US	No coverage
8	MEDEX Safe Trip Per-trip	No coverage
9	MEDEX Safe Trip Annual	No coverage
10	MEDEX Safe Trip Annual Expatriate	No coverage
11	MEDEX Plus Scholastic Including US	No coverage

Pre-Existing Condition

Travel Insurance Carriers

Travel Insurance Benefits

Insurance Documentation

Frequently Asked Questions