Pre-existing Medical Conditions

When it comes to coverage for pre-existing medical conditions, all of our travel protection packaged plans state simply that you must not be disabled from travel at the time you make your insurance purchase. That makes sense. But what if you just received clearance from the doctor to travel? You can still make sure you have trip cancellation and travel medical coverage by purchasing a travel protection plan that offers the pre-existing medical conditions waiver.

Many of the basic plans that you will find on our Policy Picker comparison pages (you know, the plans with the lowest premiums) do not offer a waiver of pre-existing medical conditions. There is a reason the premium is lower and that’s one of them. The insured person (and their non-traveling family members) are subject to a look-back period for unstable pre-existing medical conditions. If there is a claim, the medical history of the individual in question would be scrutinized by the travel insurance company. They will look back into that person’s medical history to confirm that the medical condition that has caused the claim was previously stable and the event was unexpected. If they find the medical condition was unstable within their pre-existing condition look-back period, the claim will be denied.

Pre-existing medical condition look-back periods on travel protection packaged policies are commonly 180, 90, or 60 days depending on the plan selected.

So what is considered unstable?

  • Any condition for which a medical advice, care or treatment was received or recommended by a physician regardless of whether or not diagnosis was made.
  • Any condition which produced symptoms or whose onset or manifestation occurred during the look-back period. Such symptoms must have been significant enough to establish manifestation or onset which would have caused an ordinarily prudent person to seek diagnosis or treatment, or enabled a physician to diagnose the illness, disease, injury, or other condition. And remember, something as simple as a change in medication or dosage constitutes an unstable condition.

Pre-Existing Medical Condition Waiver

There are many travel protection packaged plans that offer a waiver of pre-existing medical conditions. Many companies offer this waiver if you purchase their insurance within a certain number of days after making the very first trip payment or deposit. The window of opportunity to qualify for this waiver is usually 14, 15, 21 or 30 days depending on the plan. The waiver offer is kind of a reward for purchasing the insurance right away. The insured person is happy as they no longer have to worry about pre-existing medical conditions causing cancellation/interruption of their trip or possibly needing medical attention for a pre-existing condition while on the trip. The insurance company is also happy because they get to deposit the premium in the bank and the trip isn’t for another 6 months!

Whenever I purchase or make a pre-paid deposit on a trip, I always purchase the insurance right away. I make sure I have the pre-existing medical conditions waiver in place. I don’t want to provide a family member’s medical records to an insurance company so they can establish whether my reason for trip cancellation was due to that family member’s pre-existing medical conditions. That’s a phone call I just don’t want to make. “uh, Aunt Ruth…Dan here. I know Uncle Joe died and everything but can I get his doctors phone number please?” I just get the waiver and know I don’t have to worry about it.

Pre-Existing Medical Conditions Waiver Past the 14 – 30 Day Window

If you have future trip payments to make and are past the 14 to 30 day qualification periods previously mentioned, you can still qualify for a waiver. CSA Travel Protection offers their waiver of pre-existing medical conditions if you purchase their Freestyle or Freestyle Luxe before you make your final trip payment.

What plans work best if you are past the Pre-Existing Qualification Period?

Travelex plans plans are popular with those who are concerned with pre-existing medical conditions but find that they are past the waiver qualification purchase window. Travelex offers the shortest pre-existing medical conditions look-back window, which is only 60 days from the trip protection purchase date or post departure coverage trip departure date. Also, Travelex does not take into consideration the pre-existing medical conditions of non-traveling family members when reviewing a claim. When customers call concerned about a non-traveling family members pre-existing medical condition that might cause a problems with their travel plans, Travelex plans are the ones we recommend.

Get A Waiver Without Insuring the Trip Cost! What?

It’s true! There are a few companies who offer a waiver of pre-existing medical conditions but do not require that you insure the pre-paid, non-refundable trip cost.

TravelSafe Vacation Classic policy Description of Coverage clearly states: The exclusion for Pre-Existing Conditions will be waived if this plan is purchased within 21 days of the date your initial trip deposit is paid.

The M.H. Ross Advantage Bridge policy Description of Coverage clearly states: The exclusion for Pre-Existing Conditions will be waived if this plan is purchased within 15 days of the date your initial trip deposit is paid.

CSA Freestyle and Freestyle Luxe: The premium for the coverage is received prior to/or within 24 hours of your final payment for your Covered Trip. Note: The purchase before final payment waiver qualification is a nice niche for CSA. No one else does that.

This spreadsheet outlines the pre-existing medical conditions waiver qualification requirements and the corresponding look-back period for our most popular plans. For those who are past the waiver qualification period, please note you may still purchase a travel protection plan. The only difference is that you (and possibly your non-traveling family members) will be subject to the pre-existing medical conditions look-back period established for the policy you chose. Also included are sample premiums for a 75-year-old buying insurance mainly for the medical and medical evacuation benefits. No trip cancellation coverage ($0.0 trip cost, post departure coverage) for a trip of up to 30 days in length.

Compare these Pre-existing Medical Conditions
CSA Freestyle from CSA Travel Protection1
CSA Travel Protection provides value-driven travel insurance, 24-hour emergency assistance services, and convenient concierge services. Since 1991, domestic and worldwide travelers have entrusted CSA to safeguard them against unexpected events and unique travel risks.
Plan purchases may take place up to and including the day prior to departure.
Available to US residents
More Info
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CSA Freestyle Luxe from CSA Travel Protection1
CSA Travel Protection is there whenever and wherever you need us to protect your hard-earned vacation costs and provide the comfort and security you need to enjoy your trip. Featuring $250,000 per policy for important Travel Medical Insurance coverage and 24-hour emergency assistance services to take care of you while traveling and safeguard your vacation.
Available to purchase up to 24 hours prior to departure.
Available to US residents
More Info
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Travel Max from Travelex Insurance Services, Inc.
The highest level of protection with many extra benefits included such as Flight Accident, Rental Car, pet medical and identity theft services. Waiver of pre-existing medical conditions is available if purchased within 30 days of making the initial trip deposit.
Optional Cancel For Any Reason benefit (which returns up to 75% of trip cost insured) is available.
Available to US residents
More Info
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Travel Select from Travelex Insurance Services, Inc.
In todays travel environment it is important to protect you and your trip investment. Meet your travel needs with the customized coverage Travel Select offers and gain the peace of mind your trip deserves. Children under age 21 are included for no additional cost when accompanied by a covered adult.
$50,000 Accident & Medical, $500,000 Evacuation
Available to US residents
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TravelGuard Gold from travelguard
The Gold Plan is our most popular package of travel insurance & assistance services. Offering comprehensive coverage for individual travelers and families, this plan includes children 17 and under covered at no additional cost! If you purchase within 15 days of the initial trip deposit, this plan provides additional benefits for pre-existing medical conditions, financial default, increased missed connection to $500, and provides $50,000 Flight Guard coverage. Optional coverage upgrades include Cancel For Any Reason and Medical Evacuation home or to the hospital of your choice.
Available to US residents
More Info
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Compare these Pre-existing Medical Conditions
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