Yes, policies are available that do not require the full non-refundable trip cost to be insured in order to be eligible for Pre-Existing Condition coverage.
We recommend verifying this within the description of Pre-Existing Conditions, which can be found in the definitions section of each policy. Additionally, all requirements are listed in the policy certificate. If a policy requires the traveler to insure all of their expenses, it will state this within the certificate language.
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!