Despite the fact that many people young and old suffer from pre-existing conditions, travel insurance companies are often reluctant to cover pre-existing conditions because they're deemed too high a risk. That doesn’t mean travelers are left without options. There are a few travel insurance plans that offer coverage for pre-existing conditions.
So, let’s break down what you need to know about travel insurance and pre-existing conditions, and highlight the top plans that offer meaningful protection.
What Are Pre-Existing Conditions in Travel Insurance?
A pre-existing condition typically refers to any illness, disease, or health concern for which you’ve received treatment, diagnosis, medication, or experienced symptoms before the effective start date of your travel insurance policy. Common pre-existing conditions include high blood pressure, diabetes, asthma, arthritis, and heart disease.
Insurance providers use a “look-back period,” typically 60 to 180 days, to evaluate whether a condition qualifies as pre-existing. If your medical status has been stable during this window and you meet certain criteria, you may qualify for more favorable coverage options.
Does Travel Insurance Cover Pre-existing Conditions?
Yes, some travel medical insurance plans do offer coverage for pre-existing conditions, but the type and extent of coverage can vary significantly.
Not all plans treat pre-existing conditions the same way. Most standard plans offer limited benefits for what’s known as the acute onset of a pre-existing condition. Essentially, this is the coverage for a sudden and unexpected medical event related to a condition you were treated for in the past. Fewer plans provide more expansive coverage, including emergency care even if the condition is known.
However, this is not the same as full pre-existing condition coverage. Understanding this difference is key to choosing the right plan. If you are looking for solid protection for a condition such as diabetes, high blood pressure, diabetes, asthma, etc., the type of coverage you are looking for is full pre-existing condition coverage.
Top Travel Insurance Plans with Pre-existing Conditions Coverage
At VisitorsCoverage, we offer the most extensive portfolio of A-rated travel insurance plans with pre-existing condition coverage that are perfect for visitors to the United States.
Here are our top options for visitors medical insurance with pre-existing conditions coverage.
Tips For Travelers With Pre-Existing Conditions
Any time we travel, there are always some risks involved. The good thing is, there are ways to lower your chance of sustaining an injury or contracting an illness while abroad. Even with solid insurance, travelers with pre-existing conditions benefit most when they prepare ahead of time.
Here are some tips for staying safe and healthy on your next trip.
Get a Physical Check Up with Your Doctor
Schedule a complete medical checkup with your domestic doctor before travel. A pre-trip checkup can help identify potential issues and ensure you're cleared to travel.
This also gives you peace of mind to travel worry-free and prepared.
Bring Your Medication
IIf you take any medication, bring extra doses. If your travel plans change, you'll want to make sure you have enough medication to last the entire trip. Keep copies of your current medications and medication history to show your physician and claims processor.
Be Mindful of Your Health
Pay attention to your eating habits, exercise regularly and measure your blood pressure and sugar levels on a regular basis.
Research Your Plan
Not all plans are created equal, and not every plan is right for every person. Read plan details and take the time to compare and contrast top plans to understand the differences. Knowing that information can help you understand what coverage your plan will provide and decide which plan is right for you.
Be Prepared for Doctor Visits
Know nearby healthcare facilities. Research local clinics or urgent care centers in the area you're visiting so you're prepared if an issue arises. After purchasing a travel medical policy, you can call the insurance provider's number, listed in your plan details and plan cards, and they can even help you find healthcare providers near you that accept your insurance.
Rest Often
Be aware of your limitations. Don't overexert yourself while traveling and take frequent breaks to rest.
Keep Company Informed
Inform your travel companions or tour guides of any serious medical issues or needs. Make sure they’re aware of your condition in case of emergency.
Travel With Peace of Mind
While people with pre-existing conditions may have to be more careful than other travelers, they don't have to give up their travel dreams. With the right insurance plan, you can travel knowing you’re protected, even if the unexpected happens.
If you’re unsure about your coverage or which plan is best for your needs, our licensed insurance experts are here to help through whatever questions you may have around pre-existing conditions and finding the right plan.
Frequently Asked Questions About Pre-Existing Condition Insurance
Do short term health insurance plans cover pre existing conditions?
Yes, some short-term health insurance plans do offer coverage for pre-existing conditions. View available visitor insurance plans with pre-existing condition coverage here.
What is a pre-existing condition?
A pre-existing condition typically refers to any medical condition an individual has prior to the start date of their insurance policy. Learn more about pre-existing conditions.
Is there travel insurance for seniors with pre existing conditions?
Depending on your age and the plan, there may be pre-existing condition coverage available for seniors under some specific policies. View our available visitors insurance policies and check benefits and eligibility requirements for more information.
How do insurance companies verify pre-existing conditions?
Insurance companies will verify pre-existing conditions as they are processing your claim. To get the whole picture, they may request documentation, review prior claims, or assess your medical history.
What pre-existing conditions are typically not covered?
Coverage exclusions often include pregnancy, cosmetic procedures, elective surgeries, and anything related to substance abuse or mental health.
