Pre-existing Condition Insurance

A pre-existing condition is defined as an injury, illness, sickness, disease, or other physical, medical, mental, or nervous condition, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed prior to or at the time of applying for travel medical insurance.

Pre-existing conditions are often seen as high risk to insurance companies, which is why there aren't a lot of travel medical insurance plans out there for travelers who suffer from them. The good news, though, is that there are still a few highly rated plans out there that can offer some form of coverage for pre-existing conditions.

If you're a traveler with a pre-existing condition, these plans will offer you a range of deductibles and policy maximums, ensuring that you have what you need to travel abroad with confidence.

This type of coverage is a big deal because many people with pre-existing conditions feel that a trip abroad, especially to a place like the United States, where healthcare is notoriously expensive, was out of their reach. These plans make it possible for more people to explore the world.

Pre-existing condition coverage is a benefit of certain travel medical insurance plans that's ideal for people with health conditions that existed prior to the policy effective dates. Travel insurance plans that offer pre-existing condition coverage can offer benefits for emergency medical care associated with prior health conditions.

Deductibles and policy maximums vary by plan so it's important to research the plans and read the policy documents to understand the benefits and limitations of each plan.

Travel insurance plans that offer some form of coverage for pre-existing conditions can have the following benefits:

Even for travel insurance plans that do offer pre-existing conditions insurance, certain exclusions and limitations will apply. It is advised to read through a plan’s description of coverage to understand what is and isn’t covered for pre-existing conditions under a plan.

VisitorsCoverage offers a variety of travel medical or visitors insurance plans that offer coverage for pre-existing conditions. View our pre-existing condition travel insurance plans.

At VisitorsCoverage, you can easily compare Pre-Existing Condition Insurance plans and buy them online, quickly and without excessive paperwork. Pre-Existing Condition Insurance plans can help protect you from unforeseen circumstances and let you travel with peace of mind.