Take care with our travel insurance
for pre-existing conditions

We don't consider a pre-existing condition to be an illness that remains treated and controlled by medication within 90 days before your policy effective date.

For example, if you've had asthma since you were young, and you and your doctor have the condition under control with no changes, it isn't considered a pre-existing medical condition.

Our plans don't cover mental, nervous, or psychological disorders like anxiety and depression except under the emergency medical and dental expense benefit. This means if you have a mental, nervous, or psychological disorder and you're looking for travel insurance with pre-existing conditions coverage, we can help if you need emergency medical support while you're traveling. However, our plans can't provide this coverage under other benefits like trip cancellation and trip interruption.

Is pregnancy a pre-existing condition for travel insurance policies? No, and we don't cover childbirth or normal pregnancy (except on our Ultimate plan). However, you can be eligible for coverage of certain complications of pregnancy that are separate from but affected or caused by pregnancy (like epilepsy or hypertension).

Have more questions about what counts as a pre-existing condition with our travel insurance and what we don't cover? Reach out to our award-winning customer service team for help.

Generally, COVID-19 isn't considered a pre-existing condition unless you're experiencing long-term effects or ongoing symptoms (sometimes referred to as long COVID) and have received treatment, testing, or medication for it within the 90 days before buying your policy.

If that applies to you, it may be treated as a pre-existing condition. However, if you're eligible for the pre-existing condition exclusion waiver under our Ultimate plan, coverage could still apply if your condition affects your trip.

Cancer is considered a pre-existing condition if you've received treatment, testing, or medication for it within the 90 days before you purchased your policy.

You can buy our travel insurance if you have a sickness, disease, or other condition. We believe everyone deserves to travel. And if you're able to travel, an existing condition shouldn't hold you back from seeing more of the world.

If you buy our Ultimate plan and you're eligible for our waiver of the pre-existing condition exclusion, you'll have coverage for travel issues caused by your pre-existing condition (like emergency medical expenses, travel delay, and trip cancellation).

If you buy any of our other plans (Essential, Advantage, Travel Med Go, Flight Insure, or Flight Insure Plus) and you have an existing medical condition, we can still provide you with coverage for scenarios listed in the policy that aren't related to your condition. For example, if your baggage is delayed or misdirected for 12 hours or more (if included in the plan), we can help.

We can provide you with travel insurance that covers your pre-existing conditions if you meet all the following:

• You buy our Ultimate plan within 21 days of your first trip payment. (It's our only plan with pre-existing conditions coverage available).
• You insure additional trip costs within 21 days of paying for them.
• You're medically able to travel when you buy our Ultimate plan.

If you meet all these conditions, pre-existing conditions are eligible for coverage.

Want to speak to us before you buy? Our award-winning customer service team is here to help.

*Subject to state policy variation.

If you miss the 21-day purchase window for the pre-existing condition exclusion waiver, you can still buy travel insurance — but any claims related to a pre-existing condition won't be eligible for coverage.

You'll still have protection for other covered events, like trip cancellations or interruptions unrelated to your condition, baggage loss, and travel delays.