• Travel Guard®


    Pre-Existing Medical Conditions


    What you need to know about the pre-existing medical condition waiver.

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  • Pre-existing medical condition waiver

    If you're worried about traveling because you have a pre-existing medical condition, you should know that on many Travel Guard policies purchasing your travel insurance the same day you make your first trip deposit (or shortly after) may qualify you for the pre-existing medical condition exclusion waiver. With the waiver it's possible to be covered for some medical issues on your trip, despite your pre-existing condition.

    To qualify for this waiver, certain conditions need to be met including:  

    • Purchasing the travel insurance with your first trip deposit, or shortly thereafter as explained in the policy;
    • The amount of coverage purchased equals all prepaid, non-refundable trip payments or deposits, and the cost of any subsequent arrangements added to the same trip are insured by the date of payment or deposit for the additional arrangements;
    • You are medically able to travel when your travel insurance policy is purchased.

    To ensure you’ve purchased the coverage needed for your trip, including coverage for your pre-existing medical condition, please read your policy’s description of coverage closely. Should you have any questions about the waiver, call us 24/7 at 1.800.826.4919.

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Non insurance services are provided by Travel Guard. 
This plan provides insurance coverage that only applies during the covered trip.
You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www.travelguard.com. CA DOI toll free number: 800-927-HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 18th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. The purchase of travel insurance is not required in order to purchase any other product or service from the Travel Retailer.