Are allergies a Pre-Existing Condition?

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Short Answer

Allergies can be considered a Pre-Existing Condition if you have received a diagnosis or had a change in treatment, advice, or prescription, or your condition has not remained stable, within the look-back period of the policy.

More Detail

If there have been any changes in your allergies within the look-back period of the policy, your allergies would be considered to be a Pre-Existing Condition. This period is typically 60-180 days prior to the effective date of your policy.  

If you’ve remained completely stable within the look-back period, with no changes, your allergies would not be considered to be a Pre-Existing Condition and you can be covered in the event of an unforeseen reoccurance.

Pre-Existing Conditions are generally excluded from coverage, however, Pre-Existing Condition coverage is available on some policies if purchased within 14-30 days of your initial booking date. 

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 from 8am to 10pm ET seven days a week and are delighted to help!