Travel Insurance Plans for Travelers with Pre-Existing Medical Conditions

Yes, Travel Guard offers customizable travel insurance plans, which can include coverage for pre-existing medical conditions. Purchase your travel insurance plan shortly after your first trip deposit date to have 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
• Trip Interruption
• Missed connection assistance
• Emergency evacuation assistance
• 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 with specialized representatives available 24/7 to help

A pre-existing medical condition exclusion waiver is an added benefit that, as long as you meet eligibility requirements, will remove the pre-existing medical condition exclusion that would otherwise apply to coverages like Trip Cancellation, Trip Interruption, Travel Medical Expense, and more.

Without the waiver, most travel insurance plans exclude coverage for trip cancellations or medical expense claims caused by pre-existing medical conditions.

With Travel Guard, if you purchase your travel insurance plan early (usually within 15 days of your initial trip deposit), you may qualify for this waiver. That means you can enjoy your trip with less worry, knowing you may have coverage if an existing health condition flares up unexpectedly.

Travel Guard’s Deluxe Plan has the highest benefit limits for emergency medical expense coverage which might help ease your worry about traveling. The Deluxe Plan offers the pre-existing medical condition exclusion waiver when your travel insurance plan is purchased within 15 days of the initial trip payment – so keep that timing in mind as you make your travel plans. Additionally, even if you don’t qualify for the waiver, the lookback period for pre-existing medical conditions on Deluxe is only 90 days, compared to 180 days on other plans.

You can view and compare each of our plans here, or give us a call and we’ll help you tailor a travel insurance plan to your needs.

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.

Travelers with a wide range of medical needs can benefit from a pre-existing medical condition exclusion waiver. This includes:

• Older, senior travelers or retirees with ongoing health concerns. For example, if you have a history of heart disease and experience chest pains during your trip, coverage may apply for emergency medical care if you qualified for the waiver.
• People with chronic conditions like asthma, diabetes, or high blood pressure. If your condition suddenly flares up while you’re traveling, your plan may help cover emergency hospital or treatment costs.
• Anyone recovering from an injury or recent illness who still wants to travel. Say you’re recovering from a knee injury, and your doctor has given you the okay to travel. But you need urgent treatment abroad after a fall, your travel insurance plan may help cover those emergency medical expenses.
• Families traveling with children who have medical conditions. If, for example, your child has asthma and needs emergency medical treatment while away, the waiver can help reimburse certain unexpected costs.

Even if you feel healthy day-to-day, a pre-existing medical conditions exclusion waiver offers greater peace of mind by helping protect your trip investment and potentially providing coverage for emergency medical expenses should your condition suddenly worsen while traveling.

While a Travel Guard travel insurance plan with a pre-existing medical condition exclusion waiver can offer important protection, there are still some limits, including but not limited to:

• Routine or scheduled care (like regular check-ups, planned treatments or prescription refills) are not covered.
• Elective procedures or treatments you plan to receive abroad are excluded.
• Coverage only applies if you meet eligibility requirements for the waiver (such as purchasing within the early booking window and being medically fit to travel at the time of purchase).

Always review your travel insurance plan’s policy documents to understand what’s included and excluded, so there are no surprises during your trip.

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.

• Buy early: Purchase your travel insurance plan within the required timeframe (usually within 15 days of your first trip deposit) to qualify for Travel Guard’s pre-existing medical condition exclusion waiver.
• Insure your full trip cost: Waiver eligibility often requires that you cover all prepaid, non-refundable expenses.
• Be medically fit to travel: You must be able to travel at the time you buy your travel insurance plan for the waiver to apply.
• Know what’s excluded: For example, routine checkups, elective treatments and undisclosed conditions are not covered.
• Carry your documents: Keep your policy details and Travel Guard’s emergency contact number with you in case you need fast assistance.