What is Pre-Existing Condition?

A Pre-Existing Condition is an illness or other medical condition that was treated, diagnosed, or changed during a policy’s lookback period.

To determine what is considered a Pre-Existing Condition, providers look back between 60-180 days prior to the day the policy was purchased. If a traveler had any changes to their medical status during that period, including a new diagnosis, a decline in health, or a change in prescription, that condition will be considered pre-existing.

Pre-Existing Conditions are typically excluded by travel insurance, but that exclusion can be waived by some policies. Pre-Existing Condition coverage is time-sensitive, meaning it is typically only available for 14-21 days after a traveler makes their initial trip deposit.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Pre-Existing Condition coverage.

Looking for a policy with Pre-Existing Condition coverage?

Enter your trip information on our custom search form. Once you receive your results, select the Pre-Existing Condition filter to find the best policy for your trip with the coverage that you need.

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Each policy's Pre-Existing Condition coverage is summarized below. View the full benefit wording for all policies here.

USA-Assist Worldwide Protection
USA-Assist Worldwide Protection

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