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Travel Insurance With an Existing Medical Problem

When people look for travel insurance policies, they often wonder if travel insurance companies will cover a pre-existing condition, such as an injury or sickness. Fortunately, it is possible.

  1. Finding Policies

    • Travelers can find travel insurance on their own by researching their own policies. However, they can also buy a policy through the travel agent that books their trip.

    Medical Stability

    • Medical stability is important when acquiring travel insurance with an existing condition. Medically stability means that a person is not likely to "take a turn for the worse" while traveling.

    Requirements

    • According to Smarter Travel, many insurers will waive the exemption for pre-existing conditions if a person meets certain requirements. (See Reference 1) For example, a person can still get travel health insurance if the cost of the trip is less than $50,000 per person.

    Agencies

    • According to the Trip Insurance Store, there are a variety of travel insurance companies available. (See Reference 2) The most common are Travelex, AAA, CSA, TravelSafe, Travel Guard and Travel Insured.

    Considerations

    • Individuals should apply for travel insurance a few weeks in advance. If the insurance company denies coverage, there is still time to look for other options.

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