How do I get Pre-Existing Condition coverage for my cruise?

Last Updated:

Pre-Existing Condition coverage is a time-sensitive benefit that is available on some policies within 14-30 days of your initial booking date.

More Detail

Pre-existing conditions are typically excluded on travel insurance policies. However, some policies offer Pre-Existing Condition coverage if you purchase the policy within 14-30 days of making your initial trip deposit. Some policies may offer this benefit until you make your final trip payment. This benefit may require you to insure 100% of your total trip cost.

Policies that do not include Pre-Existing Condition coverage will typically have a look-back period of 60-180 days. If you have had any medical changes during that period — such as a new diagnosis or a change in medication — that will be considered a pre-existing condition and will likely not be covered. Stable conditions that have not had changed during the look-back period are typically not considered pre-existing.

Select the “Pre-existing Medical” filter on the search results page to view policies available to you with Pre-Existing Condition coverage.

This information can vary based on the travel insurance policy. Please review the policy certificate to verify coverage. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available 24/7 and are delighted to help.


Squaremouth compares travel insurance policies from every major travel insurance provider in the United States. Using Squaremouth's comparison engine and third-party customer reviews, travelers can research and . More information can be found at

Help Videos


How much medical coverage do I need for a cruise?


How much evacuation coverage do I need for a cruise?


My cruise is traveling to several countries. Will I be covered in all of them?