Travel Insurance With Pre-Existing Medical Conditions

Shawn Plummer

CEO, The Annuity Expert

We understand traveling with a pre-existing medical condition can be concerning, so we’re here to help. But what is a pre-existing condition? It is an illness or injury present 120 days, or as specified by your plan, before purchasing your travel insurance plan. For example, a sprained knee you have had treated only 120 days before and including the policy purchase date will be considered a pre-existing medical condition.

If you later have to cancel your trip because, for instance, the sprained knee now requires surgery or because your recovery is taking longer than expected, or for any other reason arising out of the knee sprain, this would be considered a pre-existing medical condition.

To be eligible for coverage, here are some things to keep in mind when purchasing travel insurance. It’s required that you must be a U.S. resident, ensure the full non-refundable cost of your trip within 14 days of paying your first trip deposit, or up to your final trip payment depending on your plan, and being medically able to travel when you purchased your policy.

There’s also a cap on trip costs when you’re buying travel insurance with pre-existing medical condition benefits. For example, if you’re looking into the classic plan, the total cost of your trip must be no more than $50,000 per person.

We know this can become complicated. If you have questions about travel insurance with pre-existing medical condition benefits, we can help. Shop and compare medical travel insurance for your upcoming trip.

Pre-Existing Medical Conditions

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Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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