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What Qualifies as a Pre-Existing Condition?
A pre-existing condition is any illness or injury the insured has sought medical treatment for within a specified time frame (varies by provider) before the effective date of the travel insurance policy. Most travel insurance policies define a pre-existing condition as any injury, illness, disease, or other condition that existed within a certain lookback period — usually 60 to 180 days — before your policy's effective date.
Pre-Existing Condition Waiver
Many travel insurance plans offer a pre-existing condition waiver, which eliminates the exclusion for pre-existing conditions if you meet certain requirements. To qualify, you typically need to purchase the policy within a specified time frame after making your initial trip deposit (usually 14 to 21 days), insure all prepaid, non-refundable trip costs, and be medically fit to travel at the time of purchase.
Travel Insurance Glossary
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