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Travel Insurance for Pre-Existing Health Conditions

Like any other health insurance, traveler’s health insurance policies do consider preexisting conditions when investigating a claim. Travelers with preexisting conditions must qualify for a waiver or they will be denied the policy.

Travel Insurance for Pre-Existing Health Conditions



A preexisting condition is a new condition that develops prior to obtaining the policy. Travelers insurance companies describe a new condition as not only a new illness, but also a change in medication for a chronic illness. It also includes any new symptoms.


Time Frame

These changes are only considered if they take place within a certain amount of time prior to the onset of the policy. This time frame is usually three months to a handful of weeks prior to policy start.



The preexisting condition waiver is granted if the condition is found to pass the time frame and definition tests presented here. The traveler can then purchase a policy.


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