Travel Insurance for Pre-Existing Conditions - NerdWallet (2024)

FAQs

Can I get travel insurance with pre-existing conditions? ›

Pre-existing medical condition waiver: If you purchase your policy within a set timeframe, you insure the full nonrefundable costs of the trip and you're able to travel on the date of purchase, this waives any pre-existing condition exclusions. There is typically no extra cost for the waiver.

Note that international travel health insurance enrollment is not subject to medical underwriting, so you can't be denied for pre-existing conditions; however, be aware that pre-existing conditions are not covered.

Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.

Conditions which may not be covered

Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.

Travel insurance companies impose a “look-back period,” which is a specific time frame when a pre-existing condition is considered stable, usually between 60 and 180 days. To qualify for a waiver, your condition must be stable within this period, meaning it has not changed or worsened.

A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts.

Yes! Generally speaking, a pre-existing condition is any illness or injury present within the 120 days prior to buying your plan (including your plan purchase date.) To be eligible for pre-existing condition coverage, you must: Be a U.S. resident.

Holidaymakers often ask: 'Is high blood pressure a pre-existing medical condition for travel insurance? ' The answer is simple – high blood pressure is classed as a pre-existing medical condition, so you do need to tell your insurance provider when applying for a policy.

We at the MarketWatch Guides team awarded Allianz Travel Insurance 4.1 out of 5 stars based on our provider review methodology. Named our pick for concierge services, Allianz offers 24/7 travel assistance through a multilingual team, which can help policyholders with travel and coverage issues while abroad.

12-months Condition Specific Waiting Period – this is a period during which a member is not entitled to claim benefits in respect of a condition for which medical ad- vice, diagnosis, care or treatment was recommended or received within the 12 month period ending on the date on which an application for membership was ...

Why would insurance companies want to deny coverage to people with pre-existing conditions? ›

It's in their best interest, therefore, to exclude people with pre-existing conditions (or make the coverage unappealing to them), impose a waiting period before coverage starts, or charge higher premiums and out-of-pocket expenses to cover people with pre-existing conditions since those people are likely to cost the ...

Before 2014, some insurance policies would not cover expenses due to pre-existing conditions. These exclusions by the insurance industry were meant to cope with adverse selection by potential customers. Such exclusions have been prohibited since January 1, 2014, by the Patient Protection and Affordable Care Act.

Purchasing a quality travel medical insurance plan is an excellent way to help protect yourself from unexpected medical costs while you're traveling abroad. Look for an insurance provider that offers you the types of coverage and coverage limits you need so you can focus on the enjoyable experiences of your trip.

Don't forget to find pacemaker Travel Insurance. Just Travel Cover is here to help. Travelling with a pacemaker or ICD should still be an enjoyable experience, giving you the chance to relax and unwind. Finding Travel Insurance that covers your pacemaker will give you the confidence to relax abroad.

The short answer is, yes! Although high cholesterol is often seen as a minor condition, it's important to declare it on your travel insurance policy in case of any linked conditions. That way, if something happens to you whilst you're away, you can rest assured with peace of mind that it is covered.

Based on our comprehensive review, the companies offering the best travel medical insurance are Faye, IMG, Travelex, AIG Travel Guard and Allianz. Travel medical insurance is a specialized type of coverage that helps pay for medical bills and emergency evacuations if you're hurt or become sick while traveling.