Travel Insurance Plans that Waive the Exclusion for Pre-Existing Medical Conditions

Understand the importance of having a travel insurance plan for your next vacation when you have a pre-existing medical condition and make sure you’re covered with the right Travel Guard plan.

Traveling with a health condition or injury can cause an additional layer of concern. You want to make sure you have a travel insurance plan for your specific pre-existing health and medical needs. Instead of worrying about pre-existing medical condition coverage exclusions, book your travel insurance plan early to receive early purchase benefits with Travel Guard, which includes our pre-existing medical condition exclusion waiver. Let Travel Guard help, so you can focus on the fun.

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What is a travel insurance plan, with a waiver for pre-existing medical conditions?

It’s common on many travel insurance plans for pre-existing medical conditions to be considered exclusions when it comes to medical expense coverage. However, some travel insurance plans offer ways around this. With Travel Guard travel insurance plans, if you purchase your travel insurance the same day or shortly after your initial trip deposit date, the exclusion for pre-existing medical conditions is waived. If you’re someone with ongoing health concerns, this can be a huge plus when it comes to traveling.

What does a travel insurance plan, with a waiver for pre-existing medical conditions, cover?

Travel Guard offers customizable travel insurance plans for your vacation. Look for a plan that has the coverage and benefit limits you need. Popular plan features include:

  • Medical and dental expense coverage
  • Pre-existing medical condition exclusion waiver (available when travel insurance is purchased shortly after your initial trip deposit date)
  • Trip cancellation/interruption coverage
  • Missed connection assistance
  • Emergency evacuation coverage
  • Baggage coverage
  • Car rental coverage
  • Cancel For Any Reason (optional add-on coverage available with certain plans)
  • Medical bundle with increased medical expense coverage limits and benefits (optional add-on coverage available with certain plans)
  • Emergency travel assistance – specialized representatives are available 24/7 to help

Do I need a travel insurance plan, with a waiver for pre-existing medical conditions?

For any trip, it’s smart to protect your travel investment, but when you’re traveling with a pre-existing medical condition, it’s especially important to make sure you have the travel insurance plan you need. You never know when the unexpected might happen, even on vacation. Being prepared with a travel insurance plan that covers you for your individual medical concerns can be a huge relief while you’re traveling. All of Travel Guard’s travel insurance plans come with access to our specially trained representatives for 24/7 emergency travel assistance, including medical assistance. Our staff can help with anything from finding quality medical care while you’re traveling to providing translation services if needed.

Which Travel Guard travel insurance plan is best?

Travel Guard’s Deluxe Plan has the highest benefit limits for medical expense coverage which might help ease your worry about traveling. The Deluxe Plan offers the pre-existing medical condition exclusion waiver when travel insurance is purchased within 15 days of the initial trip payment – so keep that timing in mind as you make your travel plans.

What is considered a pre-existing medical condition for travel insurance?

At a basic level on Travel Guard’s travel insurance plan, a pre-existing medical condition is considered an injury, sickness or other condition that either first occurred or became worse within the previous 90 days of purchasing the travel insurance plan. Be sure to read the policy of insurance for the plan you are considering to make sure you understand the full definition of pre-existing medical conditions under the plan, and any limitations of the coverage.

Why book a travel insurance plan through Travel Guard?

Travel Guard is one of the world’s leading travel insurance providers with a network of service centers located in Asia, Europe and the Americas, ensuring the highest quality emergency travel services and medical assistance while you’re traveling. With early purchase benefits and optional add-on coverages, you can customize the plan and coverages you need.

Get travel insurance the way you want it!

Reviews and Testimonials

I had to cancel a trip at the very last minute due to a back injury.   The claims department walked me through the process and eased my mind while getting my paperwork in order.   I easily submitted the claim online and was told it would be four weeks for a decision.  Hardly a week had gone by before I had a notification that the claim would be paid, and the funds showed up a few days later.  My wife and I are very pleased with how helpful the claims reps were and how easy the online process was.  We will be sure to use you again in the future!

-  Costa M.

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Coverage available to U.S. residents of the U.S. states and District of Columbia only. 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, 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 1271 Avenue of the Americas, 37th FL, New York, NY 10020-1304. 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.