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Pre-existing Condition Insurance

Pre-existing Condition Insurance

Pre-existing Condition Insurance
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What is it?

Pre-existing condition insurance provides medical coverage for travelers with medical conditions existing prior to policy effective dates.

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Finding travel insurance for pre-existing conditions is important for travelers who currently suffer from medical conditions. While pre-existing conditions aren’t typically covered by travel insurance, there are options available which can help alleviate the stress that those traveling with medical conditions may have.

What Is a Pre-existing Condition?

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.

Does Travel Insurance Cover Pre-existing Conditions?

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.

Why Pre-existing Conditions Travel Insurance Matters

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.

What is Pre-existing Condition Travel Insurance?

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.

Benefits of Travel Insurance for Pre-existing Conditions

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

  • Medical coverage for people with longstanding health conditions
  • Emergency services including hospitalization and surgery
  • Emergency medical evacuation
  • COVID-19 coverage
  • PPO Network

What Isn’t Covered By Pre-existing Condition Insurance?

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.

Best Travel Insurance for Pre-existing Conditions

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.

See What Customers Have to Say

VisitorsCoverage let me get it done very painlessly and immediately sent all the documents including IDs by email. It was so great!


Website was easy to navigate, and contained a lot of information so I could make an informed decision. Also I thought the rates were very reasonable considering the peace of mind the policy will give me.


Very straightforward process, website navigation was excellent as well and can’t beat the price. Thanks!!


Very easy to compare between options and choose from. Was able to complete the purchase in 10 minutes.


Helpful articles

Travelers to the U.S. with pre-existing conditions have a few options for travel medical insurance. Explore tips and plans for pre-existing conditions.
Learn more about Acute Onset of Pre-existing Conditions.
Common Questions about Acute Onset of Pre-Existing Condition.
Determine whether you have pre-existing medical conditions and learn about why travel insurance for pre-existing medical condition covers only up to a certain limit.

Pre-existing Condition Insurance FAQs

We’ve got you covered.

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.

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Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.