Pre-Existing Condition

The table below shows you at a glance which company provides the most comprehensive coverage for the Pre-Existing Condition element within your policy.

If you see a plan listed more than once, this means the plan offers different coverage for the residents of the states listed next to the plan name. Click the coverages listed below for more information. Remember, you are only a few quick questions away from an instant quote from all the major travel insurance providers.

Coverage Description

A pre-existing condition is an illness or medical condition that existed before a policy’s effective date, usually excluded from coverage. Travel Protection plans may include coverage provided you meet the condition of that insurance provider. Many providers offer coverage if the policy is purchased within a certain number of days after the initial trip deposit was made. A few providers offer coverage if the policy is purchased before the final payment date. Please refer to the policy summary to determine any conditions for coverage. Some Medical Plans may provide limited coverage; some may cover pre-existing conditions after a specified waiting period, while others do not provide any coverage.

View full policy wording for Pre-Existing Condition for the policies below

# Provider / Plan Name Benefit
1 Air Ambulance Card
Air Ambulance Card - Standard Annual

Covered

2 Air Ambulance Card
Air Ambulance Card - Extended Stay 6 Months

Covered

3 Air Ambulance Card
Air Ambulance Card - Extended Stay 12 Months

Covered

4 APRIL Travel Protection
Economy Plan

Covered if purchased within 14 days of trip deposit

5 APRIL Travel Protection
VIP Plan

Covered if purchased within 14 days of trip deposit

6 APRIL Travel Protection
Trip Cancellation Plan

Covered if purchased within 14 days of trip deposit

7 APRIL Travel Protection
Multi-Trip Plan Universal

No coverage
Pre-existing look-back period 90 days

8 APRIL Travel Protection
Multi-Trip Plan Elite

No coverage
Pre-existing look-back period 90 days

9 APRIL Travel Protection
Choice

Covered if purchased within 14 days of trip deposit

10 AXA Assistance USA
Silver

Optional coverage

11 AXA Assistance USA
Gold

Optional coverage

12 AXA Assistance USA
Platinum

Covered if purchased within 14 days of trip deposit

13 Azimuth Risk Solutions, LLC
Beacon America incl US

No coverage

14 Azimuth Risk Solutions, LLC
Beacon International excl US

No coverage

15 CSA Travel Protection
Custom

No coverage
Pre-existing look-back period 180 days

16 GeoBlue
Voyager Choice

Covered if enrolled in a Primary Health Insurance Plan

17 GeoBlue
Voyager Essential

No coverage
Pre-existing look-back period 180 days

18 GeoBlue
Trekker Choice excl US

Covered

19 GeoBlue
Trekker Essential excl US

Covered

20 HCC Medical Insurance Services
Atlas International excl US

$50,000 per person Emergency Medical for Unexpected Recurrence
$25,000 per person Medical Evacuation for Unexpected Recurrence

21 HCC Medical Insurance Services
Atlas America incl US

$50,000 per person Emergency Medical for Unexpected Recurrence
$25,000 per person Medical Evacuation for Unexpected Recurrence

22 HCC Medical Insurance Services
Atlas MultiTrip incl US

Covered if enrolled in a Primary Health Insurance Plan

23 HCC Medical Insurance Services
Atlas MultiTrip excl US

Covered if enrolled in a Primary Health Insurance Plan

24 HTH Travel Insurance
TravelGap Voyager excl US

No coverage
Pre-existing look-back period 180 days

25 HTH Travel Insurance
TravelGap Multi-Trip Silver excl US

Covered if enrolled in a Primary Health Insurance Plan

26 HTH Travel Insurance
TravelGap Multi-Trip Gold excl US

Covered if enrolled in a Primary Health Insurance Plan

27 HTH Travel Insurance
TravelGap Excursion excl US

Covered if enrolled in a Primary Health Insurance Plan

28 InsureandGo USA
Silver

Covered if purchased within 14 days of trip deposit

29 InsureandGo USA
Gold

Covered if purchased within 14 days of trip deposit

30 InsureandGo USA
Platinum

Covered if purchased within 14 days of trip deposit

31 InsureandGo USA
Global Silver excl US

Covered if purchased within 14 days of trip deposit

32 InsureandGo USA
Global Gold excl US

Covered if purchased within 14 days of trip deposit

33 InsureandGo USA
Global Platinum excl US

Covered if purchased within 14 days of trip deposit

34 iTravelInsured
Travel Lite

No coverage
Pre-existing look-back period 60 days

35 iTravelInsured
Travel SE

Covered if purchased within 20 days of trip deposit

36 iTravelInsured
Travel LX

Covered if purchased within 20 days of trip deposit

37 John Hancock Insurance Agency, Inc.
Bronze

No coverage
Pre-existing look-back period 60 days

38 John Hancock Insurance Agency, Inc.
Silver

Covered if purchased within 14 days of trip deposit

39 John Hancock Insurance Agency, Inc.
Gold

Covered if purchased within 14 days of trip deposit

40 MedjetAssist
Annual Membership

Covered

41 MedjetAssist
MedjetAssist Extended Stay

Covered

42 MedjetAssist
MedjetAssist Short Term Plan

Covered

43 MH Ross Travel Insurance Services
Asset Plus

Covered if purchased within 15 days of trip deposit

44 MH Ross Travel Insurance Services
Bridge

Covered if purchased within 15 days of trip deposit

45 MH Ross Travel Insurance Services
Complete

Covered if purchased within 15 days of trip deposit

46 MH Ross Travel Insurance Services
Asset

Covered if purchased within 15 days of trip deposit

47 Protect Your Bubble
Basic Plan

No coverage
Pre-existing look-back period 60 days

48 Protect Your Bubble
Deluxe Plan

No coverage
Pre-existing look-back period 60 days

49 RoamRight
Essential

Covered if purchased within 21 days of trip deposit

50 RoamRight
Essential

Covered if purchased within 21 days of trip deposit

51 RoamRight
Preferred

Covered if purchased within 21 days of trip deposit

52 RoamRight
Preferred

Covered if purchased within 21 days of trip deposit

53 RoamRight
Elite

Covered if purchased within 21 days of trip deposit

54 RoamRight
Elite

Covered if purchased within 21 days of trip deposit

55 RoamRight
Active

Covered if purchased within 21 days of trip deposit

56 RoamRight
Active

Covered if purchased within 21 days of trip deposit

57 RoamRight
Adventure

Covered if purchased within 21 days of trip deposit

58 RoamRight
Adventure

Covered if purchased within 21 days of trip deposit

59 RoamRight
Multi-Trip

No coverage
Pre-existing look-back period 180 days

60 RoamRight
Multi-Trip Medical excl US

No coverage
Pre-existing look-back period 180 days

61 RoamRight
Medical excl US

$1,000 per person Emergency Medical for Unexpected Recurrence

62 RoamRight
Evacuation

Covered

63 Seven Corners Inc
RoundTrip

Covered if purchased within 10 days of trip deposit

64 Seven Corners Inc
RoundTrip Choice

Covered if purchased within 10 days of trip deposit

65 Seven Corners Inc
Liaison Continent excl US

No coverage
Pre-existing look-back period 3 years

66 Seven Corners Inc
Liaison Majestic excl US

No coverage
Pre-existing look-back period 3 years

67 Seven Corners Inc
Liaison International excl US

No coverage
Pre-existing look-back period 3 years

68 Seven Corners Inc
RoundTrip Economy

No coverage
Pre-existing look-back period 60 days

69 Seven Corners Inc
RoundTrip Elite

Covered if purchased within 20 days of trip deposit

70 Seven Corners Inc
Wander Frequent Traveler excl US

No coverage
Pre-existing look-back period 3 years

71 Tin Leg
Economy

Covered if purchased within 14 days of trip deposit

72 Tin Leg
Standard

Covered if purchased within 14 days of trip deposit

73 Tin Leg
Luxury

Covered if purchased within 14 days of trip deposit

74 Travel Insured International
Worldwide Trip Protector Lite

No coverage
Pre-existing look-back period 60 days

75 Travel Insured International
Worldwide Trip Protector Lite

No coverage
Pre-existing look-back period 60 days

76 Travel Insured International
Worldwide Trip Protector Plus

Covered if purchased within 21 days of trip deposit

77 Travel Insured International
Worldwide Trip Protector Plus

Covered if purchased within 30 days of trip deposit

78 Travel Insured International
Worldwide Trip Protector

Covered if purchased within 21 days of trip deposit

79 Travel Insured International
Worldwide Trip Protector

Covered if purchased within 30 days of trip deposit

80 Travelex Insurance Services
Flight Insure Multi-trip - AD&D Only

No coverage

81 Travelex Insurance Services
Flight Insure Package Plan Multi-trip

No coverage

82 Travelex Insurance Services
Flight Insure Plus - Flight AD&D Only

No coverage

83 Travelex Insurance Services
Flight Insure Plus - Package Plan

No coverage

84 Travelex Insurance Services
Travel Basic

No coverage
Pre-existing look-back period 60 days

85 Travelex Insurance Services
Travel Max

Covered if purchased within 30 days of trip deposit

86 Travelex Insurance Services
Travel Select

Covered if purchased within 21 days of trip deposit

87 TravelSafe
Basic

No coverage
Pre-existing look-back period 60 days

88 TravelSafe
Basic

No coverage
Pre-existing look-back period 60 days

89 TravelSafe
Classic

Covered if purchased within 21 days of trip deposit

90 TravelSafe
Classic

Covered if purchased within 21 days of trip deposit

91 TravelSafe
Classic Plus

Covered if purchased within 21 days of trip deposit

92 TravelSafe
Classic Plus

Covered if purchased within 21 days of trip deposit

93 Trawick International
Safe Travels USA

$1,000 per person Emergency Medical for Unexpected Recurrence

94 Trawick International
Safe Travels International excl US

$20,000 per person Emergency Medical for Unexpected Recurrence age 65 and under
$10,000 per person Emergency Medical Unexpected Recurrence age 66 and over

95 Trawick International
Safe Travels USA Trip Protection

Covered if purchased no later than 30 days after the final trip payment

96 Trawick International
Safe Travels International Trip Protection excl US

Covered if purchased no later than 30 days after the final trip payment

97 Trawick International
Safe Travels International Cost Saver excl US

$20,000 per person Emergency Medical for Unexpected Recurrence age 65 and under
$10,000 per person Emergency Medical Unexpected Recurrence age 66 and over

98 Trawick International
Safe Travels USA Cost Saver

$1,000 per person Emergency Medical for Unexpected Recurrence

99 USA-ASSIST Worldwide Protection
Global Travel Medical Diamond

No coverage
Pre-existing look-back period 36 months

100 USA-ASSIST Worldwide Protection
Global Travel Medical Executive

No coverage
Pre-existing look-back period 36 months

101 USA-ASSIST Worldwide Protection
Global Travel Medical Gold

No coverage
Pre-existing look-back period 36 months

102 USA-ASSIST Worldwide Protection
Global Travel Medical Platinum

No coverage
Pre-existing look-back period 36 months

103 USA-ASSIST Worldwide Protection
Global Travel Medical Standard

No coverage
Pre-existing look-back period 3 years

104 USA-ASSIST Worldwide Protection
Global Travel Medical Titanium

No coverage

105 USA-ASSIST Worldwide Protection
GlobalTrip Classic

No coverage
Pre-existing look-back period 180 days age 69 and under
Pre-existing look-back period 1 year age 70 and over

106 USA-ASSIST Worldwide Protection
GlobalTrip Saver

No coverage
Pre-existing look-back period 180 days age 69 and under
Pre-existing look-back period 1 year age 70 and over

107 USA-ASSIST Worldwide Protection
GlobalTrip Plus

No coverage
Pre-existing look-back period 180 days age 69 and under
Pre-existing look-back period 1 year age 70 and over

108 USA-ASSIST Worldwide Protection
GlobalTrip High Medical

No coverage
Pre-existing look-back period 180 days age 69 and under
Pre-existing look-back period 1 year age 70 and over