What is a Pre-Existing Condition and how do I know if I have one?

Last Updated: January 14, 2015February 5, 2019

Short Answer

Typically, travel insurance providers define a Pre-Existing Condition as a medical condition that has been diagnosed or treated within the policy’s look-back period.

More Detail

A Pre-Existing Condition is any medical condition that has been diagnosed, treated or experienced a change within the policy’s look-back period. Depending on the policy, the look-back period is typically 60-180 days prior to the effective date, but can be 12-36 months prior to the effective date.

Conditions that are stable during a policy’s look-back period are not considered pre-existing and can be covered under standard Emergency Medical coverage.

Pre-Existing Conditions are typically excluded from coverage on travel insurance policies. This can apply to medical and cancellation benefits. However, the Pre-Existing Condition benefit can provide coverage in the event of unforeseen recurrences or worsening of Pre-Existing Conditions.

The Pre-Existing Condition benefit is a time-sensitive benefit, and in order to be eligible you must purchase the policy no later than 14 to 21 days after your initial booking date. Some policies can also provide this coverage as long as the policy is purchased before your final trip payment is made. Additionally, some policies may require you to insure 100% of your trip cost in order to be eligible for 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 from 8am to 10pm ET seven days a week and are delighted to help!