will travel insurance cover pre existing conditions

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Can I Get Travel Insurance for Pre-Existing Medical Conditions?

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Table of Contents

What is considered a pre-existing condition?

How to qualify for a pre-existing medical conditions waiver, where to find coverage for pre-existing conditions, travel insurance for pre-existing conditions, recapped.

Although trip delay and baggage loss insurance are good to have, purchasing a medical insurance policy before hitting the road can be the difference between an expensive vacation and a really expensive vacation. Those with pre-existing conditions may be wondering if they can still get travel insurance. Luckily, the answer is yes.

Here’s where to look for and how to get travel insurance for pre-existing medical conditions.

» Learn more: What to know before buying travel insurance

A pre-existing condition is an illness, injury or medical concern that has included exams, treatments or a change in prescribed medication within 60 to 180 days of purchasing a travel insurance policy. The condition doesn’t have to be diagnosed formally to be considered a pre-existing condition.

For example, say you go on a bike tour of Amsterdam and suffer a mild heart attack. If a doctor had diagnosed hypertension (high blood pressure) a few weeks before your trip, this is considered a pre-existing condition.

So, what does a pre-existing medical condition mean for travel insurance? The good news is that having a pre-existing condition doesn’t preclude you from traveling or being eligible for medical coverage. Many comprehensive plans cover pre-existing conditions and can help you recoup your money if you require medical treatment during your trip or have to cancel a trip altogether because of a medical issue.

To avoid being on the hook for medical bills abroad or losing a deposit before you even pack your bags, look for a policy that includes a pre-existing condition waiver. Read the fine print on the insurance provider’s website; there shouldn’t be an age limit on most plans, and the premium shouldn’t cost more than it would for people without pre-existing medical conditions.

As long as you’re medically fit to travel, you can qualify for a pre-existing condition waiver if you meet the following criteria and apply within the eligible timeframe:

A pre-existing condition must be stable.

You must buy coverage at the time of your first trip deposit or shortly thereafter (time frame varies by company).

Amount of coverage must be equal to all pre-paid, non-refundable costs.

For example, if you put down a 50% deposit on a safari in South Africa, you must buy travel insurance within the time specified by the insurance provider to be eligible for a pre-existing medical conditions waiver. If you wait too long to purchase coverage, you'll have missed the coverage purchasing window and the waiver won’t be applicable to your trip.

We recommend purchasing a travel insurance policy as soon as you make the first deposit on a trip.

If you don’t qualify for a waiver, then a travel insurance company has a right to look back at the traveler’s medical records for the last 60 to 180 days (varies by plan), which is called a look-back period. This is done to determine whether you’re filing a claim for an incident related to a pre-existing condition, which then determines whether it’s going to be covered or not.

The pre-existing medical conditions waiver may also provide coverage in the case of a non-traveling family member having a medical problem mid-trip. This varies by plan.

» Learn more: The best travel insurance companies

With so many providers to choose from, it’s hard to make the right choice. So, which travel insurance for pre-existing medical conditions is best?

You can turn to travel insurance companies such as Allianz , Travel Guard by AIG or RoamRight to locate the right plan for your trip.

Instead of getting quotes from every travel insurance company under the sun, we recommend InsureMyTrip, which is a free comparison site that allows you to get quotes from multiple providers at once.

To start a quote, you must:

Select your travel destination.

Provide travel dates.

Disclose your citizenship and the state where you live.

Select the number of travelers and their ages.

The website will ask you additional questions, such as:

Whether you’re taking a flight, going on a cruise or renting a vacation home.

The total cost of nonrefundable expenses, such as flight costs, hotel bookings and tours.

The date you made the first payment toward the trip and viewed your coverage options.

You can sort and filter your results in multiple ways. Compare the plans offered and make a selection based on price, insurance provider reviews or the included coverage.

Keep in mind that it’s not possible to find annual travel insurance for pre-existing medical conditions. Comprehensive plans that include coverage for pre-existing conditions can only be purchased for every trip separately.

Yes, it is possible to find travel insurance coverage suitable for trip takers with qualifying pre-existing conditions.

The best travel insurance options for travelers with pre-existing medical conditions include Travel Guard by AIG and Allianz .

Unless you purchase a plan with explicit coverage for pre-existing medical conditions, you can generally expect that costs related to these conditions pre- or mid-trip are excluded from a travel insurance policy. For plans with the option to cover pre-existing medical conditions, qualified travelers can select a Waiver of Pre-Existing Medical Conditions.

Example eligible conditions include illnesses, injuries or medical concerns that have included exams, treatments or a change in prescribed medication within 2-6 months of purchasing a travel insurance policy (depending on the provider).

The best travel insurance options for travelers with pre-existing medical conditions include

Travel Guard by AIG

Optional travel insurance certainly can protect you from the unexpected. To obtain coverage for a pre-existing condition, make sure to follow all the rules of the policy you’re about to purchase. Buy a policy within the specified time frame and declare all nonrefundable expenses accurately.

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Does Travel Insurance Cover Pre-Existing Conditions? (2024)

If you have certain types of pre-existing medical conditions and need travel insurance, you may still be able to get coverage. but first, you’ll have to qualify for a waiver..

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Updated September 20, 2023

Table of contents

• What’s covered
• Eligibility for waiver
• Insurance companies
• How to buy insurance

If you’re planning to take a trip, you need to plan for every eventuality, especially because your health insurance likely won’t cover illness, injury, or emergency medical transport when you’re abroad. [1]

Fortunately, purchasing travel medical and medical evacuation insurance policies can help you (and your traveling companions) get the care you need if you get sick or hurt or experience other types of medical emergencies while traveling.

However, it’s important to note that if you have a pre-existing medical condition, you could be denied coverage unless you qualify for a pre-existing condition waiver. Here’s what you need to know about travel insurance with pre-existing conditions.

Does travel insurance cover pre-existing conditions?

The Centers for Disease Control and Prevention (CDC) recommends that people with pre-existing health conditions get travel medical insurance if they plan to travel abroad, live overseas for more than six months, or participate in dangerous activities, like scuba diving. [2]

However, getting travel medical insurance with a pre-existing medical condition can be tricky. Insurance companies may be more reluctant to offer you coverage since your risk of getting sick or having a flare-up overseas may be higher.

If you have a pre-existing condition and need travel insurance, it’s important to understand what types of coverage may be available and what special terms, if any, may apply. While some plans make exceptions for certain types of pre-existing conditions, you may have to first qualify for a special waiver.

Pre-existing conditions explained

When it comes to travel medical insurance, a pre-existing condition may be defined as an existing health issue or diagnosis, which can include a recent injury or illness or a long-term disease for which you’re receiving medical treatment. [3] It may also be defined as a long-term condition, such as high blood pressure, dementia, or even pregnancy.

In the U.S., under the Affordable Care Act, people with pre-existing conditions can’t be excluded from most types of standard health coverage. However, these same rules don’t apply to travel insurance. [4]

Factors that determine your eligibility for a pre-existing condition waiver

If you have a pre-existing condition, you can benefit from travel medical insurance in the event of an emergency, but you must obtain a pre-existing conditions medical waiver in advance. Without a waiver in place, any claim you file for medical coverage could be denied. This would put you on the hook for costly medical care, treatments, and expenses.

To get a waiver for a pre-existing condition, you’ll need to meet certain eligibility requirements, including:

Being medically cleared to travel

Most travel insurers that offer exclusion waivers require you to be physically able to travel, with no changes to your medical condition for a set amount of time (usually 60 to 180 days). Some travel insurance policies may require medical records, copies of your medical history, or a sign-off by a physician.

Buying your policy within a specific time frame

You must purchase a pre-existing condition waiver within a certain window (typically 14 to 21 days after you’ve made an initial trip deposit or first payment on your trip). Most waivers are good only for the first — and only for one — booking, meaning you can’t reschedule the trip.

Insuring the full cost of your trip

You’ll also likely need to purchase an amount of coverage that’s equivalent to 100% of the non-refundable cost of your trip, including airfare, hotels, and other travel arrangements.

Covered pre-existing conditions

Travel insurance doesn’t typically cover medical treatment for pre-existing conditions without a waiver. But if you qualify for a waiver, any illnesses or injuries that occur during your trip will likely be covered. However, since policies can vary on a case-by-case basis and between travel insurance companies, it’s a good idea to check the fine print of your plan before your trip.

Pre-existing conditions that aren’t typically covered

While many types of pre-existing conditions are eligible for a waiver, most travel insurance companies won’t cover certain medical conditions, including:

Alzheimer’s disease and dementia

Anxiety and depression

Normal pregnancy and childbirth

Conditions related to alcohol and drug abuse

In addition, other circumstances may not be covered, even if they’re medical in nature. For example, a pre-existing medical condition exclusion waiver may not cover a situation such as an accident or illness caused by risky activities, like extreme sports. You also may not be able to get a pre-existing exclusion waiver for trips that are deemed expensive.

Waivers are also only typically available as single-trip policies — meaning you can’t purchase annual travel insurance coverage or multi-trip plans. Your coverage may also have limits. When in doubt, be sure to check with your travel insurance company and review your trip insurance policy’s fine print.

Travel insurance companies that offer pre-existing medical condition waivers

If you have a pre-existing medical condition and need travel insurance, you may be able to qualify for a pre-existing waiver. When comparing options, check the fine print about each travel insurance plan’s waiver requirements, as they can vary widely between companies.

While not all travel insurance companies offer pre-existing medical condition waivers, here are a few to consider:

Seven Corners

Travel Guard by AIG

How to buy travel insurance with a pre-existing condition

If you have a pre-existing condition, here’s how to buy travel insurance:

Gather your options. Shopping around is important. You can check insurance companies’ websites directly or consider using an insurance comparison site to make searching easier.

Review your policy options. Compare each policy’s requirements for waiver eligibility information to find the best travel insurance plan for your needs.

Compare costs from top insurers. Costs can vary between travel insurance plans, so carefully consider the best plan for your budget.

Buy your coverage. Once you find a travel insurance policy that’s a good fit for your pre-existing condition, budget, and travel plans, you’ll need to buy your policy. Most waivers require plans to be purchased within a specific time frame to ensure coverage, so be sure to read the fine print.

Travel insurance pre-existing conditions FAQS

If you have a pre-existing condition, getting travel insurance is still possible. Here are answers to some of the most commonly asked questions that can help guide you in your search for the best travel policy when you have a pre-existing medical condition.

Can you get travel insurance with pre-existing conditions?

Yes. You can get travel insurance with pre-existing conditions. But you may be required to get a special waiver, and some exclusions and special conditions may apply. That’s why it’s important to check the fine print before purchasing a travel policy to ensure coverage.

What is a pre-existing look-back period for travel insurance?

Pre-existing look-back periods are the length of time a travel insurance company may require you to have your pre-existing condition treated or controlled before your travel medical insurance plan’s effective date. Look-back periods are typically about 60 to 180 days, depending on the travel insurance plan.

Does it cost more to purchase travel insurance with pre-existing coverage?

No. Generally, purchasing travel insurance with pre-existing coverage has no extra cost. But to get a pre-existing medical condition waiver, you may have to purchase insurance that covers 100% of your trip.

How do travel insurance companies determine what qualifies as a pre-existing condition?

Travel insurance companies may have different criteria for determining what qualifies as a pre-existing condition, and it’s generally tied to how long you’ve been sick or injured with a condition. But some conditions are generally never exempt, even with a waiver, such as depression or complication-free pregnancies.

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• Department of Health and Human Services . " Can I get coverage if I have a pre-existing condition? ."

Sarah Archambault enjoys helping people figure out smarter ways to use their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans. She’s created and edited content for Credit Karma, Experian and Sound Dollar, along with banks, financial institutions, and insurance companies.

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Travel Insurance Guide For Pre-Existing Condition Medical Coverage (2024)

Planning to travel but have a pre-existing condition? Get travel medical coverage with a top provider below.

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Sarah Horvath is one of the home service industry’s most accomplished writers. Her specialties include writing about home warranties, insurance, home improvement and household finances. You can find her writing published through distributors like HouseMethod, Architectural Digest, Good Housekeeping and more. When not writing, she enjoys spending time in her home in Orlando with her fiance and parrot.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Traveling with a pre-existing medical condition can add stress to the trip-planning process, especially if you suffer from a chronic condition that affects your daily life or have symptoms that can influence your plans. While most travel insurance policies exclude pre-existing conditions from medical expenses and evacuation coverage, you may be able to obtain coverage with a pre-existing conditions waiver.

A pre-existing conditions waiver extends your travel medical insurance to include conditions and illnesses present when you enrolled in coverage. This type of coverage is a bit more expensive but can provide you with peace of mind when traveling. Read on to learn more about pre-existing medical conditions travel insurance and which top providers offer coverage.

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What Is a Pre-Existing Condition for Travel Insurance?

Although each travel insurance company has its own definition, a pre-existing condition refers to a medical condition you have before leaving for a trip. Your malady may not have to be formally diagnosed to qualify as pre-existing. You may have a pre-existing condition if you’ve sought treatment, had symptoms or taken medication within a few months before your trip for an injury, illness or medical situation.

For example, say you see your doctor for an annual physical two months before your trip to Spain . At your appointment, the doctor checks your blood pressure and diagnoses you with hypertension. Your doctor prescribes medication to lower your blood pressure. Most travel medical insurance companies consider high blood pressure a pre-existing condition.

Other common pre-existing conditions include:

• Heart disease
• High blood pressure
• Chronic illnesses, such as lupus

Medical travel insurance can be an important protection if you or a loved one plan to travel with one of these conditions — or some other pre-existing medical condition. A pre-existing condition could put you at higher risk of other medical issues. For example, if you have an autoimmune disorder, you’re likely at higher risk of contracting diseases while traveling.

How To Get a Waiver for Pre-Existing Conditions

If you have a pre-existing medical condition, it’s important to purchase travel insurance shortly after making your initial trip payment. Based on our quote collection process, we found that you usually need to be within 10 to 21 days of your first trip payment to qualify for a pre-existing conditions waiver. If you buy your travel insurance after this point, you usually will not qualify for pre-existing conditions coverage.

Depending on the insurance provider, you may need to meet additional conditions beyond your purchase date for pre-existing medical conditions coverage. Additional stipulations you may need to meet include:

• Trip coverage: In most cases, you’ll need to insure 100% of your trip cost and add medical coverage to your policy to receive a pre-existing condition waiver. This means that policies that offer pre-existing conditions waivers are usually more expensive. However, these policies also include more extensive coverage, which can be helpful in the event of an emergency.
• Health status: While most travel insurance companies do not require you to undergo a medical exam before buying coverage like with life insurance, your health condition can still play a role in your ability to qualify for a waiver. You might need to answer a health questionnaire before purchasing coverage, or you may need to list any medical diagnoses within the previous 60 to 90 days. If you have a major medical condition with active symptoms, like cancer or Alzheimer’s disease, you may be denied coverage.

If you qualify for coverage, your insurance provider will include the waiver with your coverage at no additional cost. Be sure to review the details of your coverage after you’re approved so you fully understand the terms and conditions.

How To Qualify for a Pre-Existing Medical Condition Exclusion Waiver

To qualify to get a pre-existing conditions waiver, you’ll need to meet a few conditions related to the policy-buying process and determine the right coverage for your health.

You cannot purchase travel insurance that covers pre-existing conditions at any time — most policy providers require you to be within 14 to 21 days of your initial trip deposit to qualify. For this reason, we suggest you consider travel insurance as you’re comparing other travel bookings like hotels, airfare and event tickets. This will allow you to purchase insurance shortly after booking, giving you access to more policies with coverage for pre-existing conditions.

Choose the Right Plan

Next, compare the coverages included with each policy offered by your preferred travel insurance provider and identify those that include pre-existing conditions waivers. Most travel insurance companies limit waivers to policies with more inclusive coverage terms and 100% cancellation insurance. If a provider does not offer pre-existing conditions coverage, request quotes from a different company.

Review Coverage Limitations

If you qualify for a pre-existing conditions waiver, your insurance provider will include it under your coverage terms. Review your coverage and any excluded conditions. Contact a representative from the insurance company if you have questions about coverages and limitations.

Documentation Needed for a Pre-Existing Conditions Waiver

Depending on your coverage provider, you may need to submit a letter from your doctor confirming you’re medically fit to travel. This is especially true if you need coverage for a chronic condition under control by medication or if you’ve recently had corrective surgery. Documentation requirements vary by provider, so be sure to review your specific coverage terms to learn more.

Travel Insurance Companies That Cover Pre-Existing Medical Conditions

Not every travel insurance provider offers pre-existing conditions waivers and those that do have varying policies regarding the timeline for enrollment in order to qualify. The following are a few of our recommended travel insurance providers covering pre-existing conditions and how you can qualify for coverage.

• Nationwide: Nationwide offers customers an option to qualify for pre-existing conditions coverage across multiple plans. While many insurance providers limit pre-existing conditions waivers to only the most expensive policy, Nationwide allows you to qualify for pre-existing conditions coverage 10 days from your initial purchase with the Essential Policy. You may also qualify up to 21 days after your initial trip payment with the Prime Plan. Read our full review of Nationwide travel insurance .
• Trawick: Trawick offers six unique policies with the option to include coverage for pre-existing conditions, which is more than most other providers. This range of options can make Trawick a strong choice for customers looking to customize their coverage. You must add coverage no more than 14 to 21 days after your initial trip payment, depending on your selected plan. Read our full review of Trawick travel insurance. 
• Seven Corners: To qualify for pre-existing coverage with Seven Corners, you’ll need to opt for the Trip Protection Choice, which includes benefits like 150% trip interruption coverag e and up to $2,000 in trip delay benefits. You must buy this coverage no less than 20 days after your initial trip payment. Read our full review of Seven Corners travel insurance .
• Generali Travel Insurance: While Generali does not offer the longest purchase period for pre-existing conditions, travelers looking for concierge-level benefits may want to consider the company. To qualify for a pre-existing condition waiver, you must be within 24 hours of your initial trip payment, which means most shoppers will need to consider insurance as they’re actively planning a vacation to qualify. Read our full review of Generali travel insurance .

Types of Travel Insurance for Pre-Existing Conditions

There are four main types of travel insurance:

• Trip cancellation
• Baggage coverage
• Medical travel insurance
• Cancel for any reason (CFAR) coverage

Trip Cancellation Insurance

Trip cancellation insurance is a type of travel insurance that helps cover nonrefundable costs if your trip gets canceled due to an unexpected or uncontrollable event. For example, a trip cancellation policy might cover nonrefundable costs if you find out right before your trip you’ve been summoned for jury duty. Or, say you have to cancel a trip due to an unexpected storm that interrupts your flight. Travel insurance will reimburse you for the flight and any corresponding lodging costs.

Trip cancellation insurance usually does not cover changes in pre-existing medical conditions. If your arthritic knees cause pain that makes you cancel your trip two weeks out, the insurance company may deny your claim. However, you may qualify for a pre-existing condition waiver to use for trip cancellation coverage.

Baggage Coverage

Baggage insurance generally covers the loss, theft, delay, or damage to baggage and personal belongings while traveling. For instance, your luggage is stolen from your hotel room while you’re at dinner. Depending on your policy, your baggage insurance could help pay to replace necessary items, like clothing and shoes. Other policies will ensure the full value of items in your bags, with certain restrictions.

Baggage insurance can offer peace of mind that you can replace your belongings if they’re lost, stolen, or damaged. Pre-existing conditions don’t affect baggage insurance coverage.

Medical Travel Insurance

Medical travel insurance is one of the most common types of travel insurance. A medical travel policy helps pay for emergency medical care when traveling. Say you fall ill with a fever and need to go to the emergency room while abroad. Your medical travel insurance generally covers the cost of treatment up to your plan’s limits.

If you’re considering travel health insurance plans and have a pre-existing condition, you’ll want to carefully read the fine print of your policy. In most cases, you’ll need to obtain a pre-existing conditions waiver before traveling. Without a waiver, your policy may not cover medical expenses you incur while traveling.

Cancel for Any Reason Insurance (CFAR) Coverage

With a few exceptions, CFAR travel insurance lets you cancel a trip for a partial refund of prepaid, nonrefundable expenses outside the reasons listed in your policy. Common reasons to use a CFAR policy include a family member getting sick, fear of illness at your destination or your new passport doesn’t arrive in time to travel. Unlike regular trip cancellation or medical travel insurance, CFAR coverage does not require a pre-existing conditions waiver for coverage. That means if your chronic condition flares up before your trip and you decide to cancel within the effective date of coverage, you could get a partial refund (typically between 50%-75%) of your nonrefundable trip expenses.

Although CFAR coverage is a good way to secure pre-existing medical insurance for travel cancellation or interruption, it’s not usually offered as a stand-alone policy. You typically have to add CFAR coverage to your standard travel insurance policy for an extra cost.

How Much Does Travel Insurance for Pre-Existing Conditions Cost?

Generally, adding pre-existing conditions coverage will not increase your policy cost if you qualify for a waiver. Based on our research, a travel insurance policy costs between $160 to $300 , depending on your chosen coverage and provider. In our review, we found that the average couple will pay about $221 for a travel insurance policy from one of our recommended travel insurance providers.

How To File a Pre-Existing Medical Condition Travel Insurance Claim

If you have to file a travel insurance claim for a pre-existing condition that your policy covers, you can improve your chances for reimbursement with strong documentation. Whether you must cancel your trip at the last minute or you need coverage for an emergency room visit while on vacation, the process of filing a travel insurance claim is generally the same. The claims process typically looks like this:

• File your claims form, which will commonly ask for your name, policy number, the reason for the claim and other important details.
• Submit your claims form with all necessary documentation, such as a doctor’s note, flight delay or baggage notices, police reports, and any other related documents.
• Your travel insurance company reviews your claim and supporting documentation. The insurance company may request more details or documents supporting your claim.
• If the company approves your claim, you’ll receive reimbursement, up to your policy limits.

The claims process is straightforward, but missing documents or lack of evidence could lead to the insurer denying your claim. Having the right documentation is more important if you’re filing a medical claim and have a pre-existing condition. The insurance company will want to confirm you have a pre-existing condition waiver on file before approving a claim. The company likely will ask for specific written documentation relating to your claim from a doctor.

For example, say you have a respiratory disorder managed by daily medication and receive a pre-existing condition waiver for a trip. While traveling, you get into an accident requiring emergency medical care. When you file a claim for medical travel insurance, you’ll want to make sure you have the right documents, including:

• Proof of your trip and insurance
• Written documentation from your attending physician
• Copies of your medical file and bill from the emergency care

Frequently Asked Questions About Travel Insurance for Pre-Existing Conditions

Can you get travel insurance with pre-existing conditions.

Yes, you can get travel insurance with pre-existing conditions. The key to getting travel insurance coverage with a pre-existing condition is to apply for a pre-existing conditions waiver or exclusion waiver. This waiver includes notice from your doctor that you’re fit to travel and prevents the travel insurance company from using your pre-existing condition to exclude you from coverage.

What is a waiver of lookback in travel insurance?

A waiver of lookback is another name for a pre-existing conditions waiver for travel insurance. The lookback period of a travel insurance policy refers to the time before the trip in which the insurance company might look back at your medical history if you file a claim.

For example, say you have an unexpected medical condition that forces you to cancel your trip. You file a claim for trip cancellation insurance and your insurance company can review your past medical records (usually up to 60 to 180 days, depending on the policy). If the company finds a record of your pre-existing condition, such as a doctor’s visit to change medications, it could deny your claim. A waiver of lookback prevents the insurance company from doing this.

What counts as a pre-existing condition?

Every travel insurance company defines pre-existing conditions differently, but there are a few common factors. A pre-existing condition for travel insurance usually refers to any medical condition, illness or injury that you have before your trip. You may not have to be diagnosed for the condition for it to be considered pre-existing. But if you seek treatment for a condition, take medications or suffer symptoms, then it’s usually considered pre-existing.

What is the difference between a pre-existing condition and a chronic condition?

Pre-existing conditions are any injury, illness, or medical condition that existed before you sought insurance. A chronic condition is different. Chronic conditions are ongoing health conditions or illnesses that are long-term. Doctors manage chronic conditions with medication or regular treatments, but these conditions aren’t curable. For travel insurance, almost all chronic conditions are considered pre-existing conditions.

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How to Buy Travel Insurance When You Have a Pre-Existing Condition

A nationally recognized reporter, writer, and consumer advocate, Ed Perkins focuses on how travelers can find the best deals and avoid scams.

He is the author of "Online Travel" (2000) and "Business Travel: When It's Your Money" (2004), the first step-by-step guide specifically written for small business and self-employed professional travelers. He was also the co-author of the annual "Best Travel Deals" series from Consumers Union.

Perkins' advice for business travelers is featured on MyBusinessTravel.com , a website devoted to helping small business and self-employed professional travelers find the best value for their travel dollars.

Perkins was founding editor of Consumer Reports Travel Letter, one of the country's most influential travel publications, from which he retired in 1998. He has also written for Business Traveller magazine (London).

Perkins' travel expertise has led to frequent television appearances, including ABC's "Good Morning America" and "This Week with David Brinkley," "The CBS Evening News with Dan Rather," CNN, and numerous local TV and radio stations.

Before editing Consumer Reports Travel Letter, Perkins spent 25 years in travel research and consulting with assignments ranging from national tourism development strategies to the design of computer-based tourism models.

Born in Evanston, Illinois, Perkins lives in Ashland, Oregon with his wife.

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Whether—and how—travel insurance covers pre-existing medical conditions remains a source of uncertainty among many travelers. This question I once received from a reader is a case in point:

“My husband and I will fly to Venice on October 6, where we will stay two weeks. I bought our airline tickets last February. My husband is diabetic, managing it with medication, and he just had surgery, after which he is doing well. Can we still purchase trip-cancellation insurance including medical evacuation?”

The short answer: You can buy TCI and medical evacuation (medevac) insurance that will cover cancellation or an evacuation required by your husband’s diabetes—as long as you can show it was totally controlled up to the time of departure. But probably not for potential complications following the surgery. It would cover both of you for any other health problems that arise during your trip.

Sound confusing? The jargon around travel insurance for pre-existing medical conditions is. Here are the pertinent details that travelers with one should know about buying travel health insurance, up to and including medevac insurance.

What Is a “Pre-Existing Condition”?

Most travel insurance, including medical evacuation and trip cancellation, excludes pre-existing medical conditions as a “covered reason” for paying on a claim. Here’s how one insurance company defines that exclusion:

“‘Pre-existing condition’ means any injury, sickness or condition for which medical advice, diagnosis, care or treatment was recommended or received within the 180-day period ending on your date of departure. Conditions are not considered pre-existing if the condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.”

Another company says it this way:

“An illness or injury that you, a traveling companion or family member were seeking or receiving treatment for or had symptoms of on the day you purchased your plan, or at any time in the 120 days before you purchased it. You, a traveling companion or family member are considered to have an existing medical condition if you, a traveling companion or family member:

• Saw or were advised to see a doctor
• Had symptoms that would cause a prudent person to see a doctor
• Were taking prescribed medication for the condition or the symptoms, unless the condition or symptoms are effectively controlled by the prescription, and the prescription hasn’t changed.”

Some policies do not even include the allowance for conditions controlled by medication, but many do. The typical exclusion period ranges from 90 days to 180 days. In my reader’s case, as I noted, a typical policy would cover her husband’s controlled diabetes but not complications from his recent surgery.

Insurance companies are serious about the definition of the “medical advice, diagnosis, care, or treatment” limitation. If you so much as called a doctor about a possible problem, the insurance bean counters could deny a claim.

Waiving Pre-Existing Conditions

The good news about exceptions for pre-existing conditions is that many travel insurance companies waive that exception if you buy the insurance shortly after making your initial travel arrangements. Here’s how one company puts it:

“If your plan includes this coverage, you, a traveling companion or family member can have an existing medical condition and you will still be eligible for all coverage and assistance services, as long as:

• You purchased your plan within 14 days of making your first trip payment or first trip deposit
• You purchased trip cancellation coverage that covers the full cost of all your nonrefundable trip arrangements
• You were a U.S. resident and medically able to travel on the day you purchased the plan, and
• The total cost of your trip is $20,000 per person or less.”

Depending on the company, the purchase deadline for buying the insurance ranges from seven to 14 days. As far as I can tell, you don’t have to pay anything extra to get pre-existing conditions waived: Just buy the insurance on time.

Health Problems Must Be Unforeseen

Even when they waive the exception for pre-existing medical conditions, almost all policies limit coverage to “unforeseen” medical problems. If you can foresee a problem at the time of buying, insurance is void. As a corollary, you must be fully capable of traveling at the time you buy the insurance.

Buyer’s Guide

Pre-existing conditions are apparently the biggest source of problems between insurance companies and travelers. Given how easy it is to have the whole problem waived, it seems to me to be a no-brainer that anyone interested in medevac or trip-cancellation insurance should buy the insurance within the specified seven- or 14-day period after making the first trip payment.

Beyond that, I continue to recommend that travelers check one or more of these travel insurance agencies’ comparison sites, enter their trip details and coverage requirements, and select the least expensive policy that meets their needs:

• SquareMouth
• Global Travel Insurance
• QuoteWright
• InsureMyTrip.com
• TravelersMed.com

These independent agencies sell policies written by all the major insurance underwriters. Price comparison and policy selection is a snap: The site displays a long list of policies and their detailed terms.

More from SmarterTravel:

• How Annual Travel Insurance Could Save You Money
• The 8 Worst Travel Decisions You Can Make on Vacation
• Cruise Insurance: Everything You Need to Know

Consumer advocate Ed Perkins has been writing about travel for more than three decades. The founding editor of the Consumer Reports Travel Letter, he continues to inform travelers and fight consumer abuse every day at SmarterTravel.

Editor’s note: This story was originally published in 2009. It has been updated to reflect the most current information.

We hand-pick everything we recommend and select items through testing and reviews. Some products are sent to us free of charge with no incentive to offer a favorable review. We offer our unbiased opinions and do not accept compensation to review products. All items are in stock and prices are accurate at the time of publication. If you buy something through our links, we may earn a commission.

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Pre-Existing Medical Conditions and Travel Insurance: 5 Things Most People Get Wrong

Travel insurance that covers pre-existing medical conditions is one of the most sought-after components of a travel protection plan – and one of the most misunderstood.

It’s sought-after because many travel protection buyers have something in their medical history that might flare up or recur before or during their trip, forcing them to cancel or interrupt their travels.

It’s misunderstood because the devil’s in the details – in this case, the provider’s definition of a pre-existing condition and the requirements they place on getting coverage for medical conditions that a person had prior to traveling.

Let’s clear up some of the myths surrounding travel insurance with coverage for pre-existing medical conditions, and help you make the most of this valuable benefit.

Generali Global Assistance’s Premium Plan is able to cover your pre-existing condition! Learn more.

Things people get wrong about pre-existing conditions

All travel insurance plans cover pre-existing conditions.

Actually, some travel protection plans don’t even have medical or trip cancellation coverage, much less coverage for pre-existing conditions. For instance, many of the travel protection plans offered through credit cards lack medical coverage (see Why You Shouldn't Rely on Credit Card Travel Insurance ) . 

Beyond that, it’s not unusual to find a less expensive plan with medical coverage that lacks pre-existing condition coverage. (Generali Global Assistance has two – the  Standard   and  Preferred  Plans.)

Also read: Why You Might Need to Buy Medical Coverage Before You Travel

A condition that occurred at any time in the past can be defined as pre-existing

Most plans that cover pre-existing medical conditions have a “look-back” period. That means the plan looks back at your medical history for a time period that usually ranges from three to six months, but could be as long as 18 months.

For Generali, the look-back period is 180 days.* That means any medical condition you were treated for in that 180-day period will be considered pre-existing, and won’t be covered if it flares up while you’re traveling. This does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 180-day period.

See Generali’s definition of a Pre-existing Condition

If a travel-insurance plan covers pre-existing conditions, I can buy it any time before my trip and be covered

Almost all plans that cover pre-existing conditions require you to buy your travel insurance within a specific window after putting down your initial trip deposit or making your final trip payment.

Generali Global Assistance’s timeframe  is prior to or within 24 hours of your final trip payment. Other rules for securing coverage for pre-existing conditions are; you are medically able to travel at the time the plan is purchased, and all prepaid trip costs that are subject to cancellation penalties or restrictions have been insured.

Also read:  When to Buy Travel Insurance, Timing is Everything

Coverage for pre-existing conditions costs extra

Not so. In most cases, coverage for pre-existing conditions comes at no extra cost, as part of the overall travel protection package.

As mentioned earlier, travel protection companies often put restrictions around qualifying for pre-existing coverage or make it available only if a plan is purchased within a specified window, but it usually doesn’t cost extra.

With that said, coverage for pre-existing conditions is most often found on top-of-the-line plans, like Generali Global Assistance’s  Premium Plan , which has a wide range of upgraded and added coverages in addition to coverage for pre-existing conditions.

Also read:  How Much Does Travel Insurance Cost?

Recurrence of a pre-existing condition is a covered reason

It can be – but it depends on the condition and the situation. You may have a pre-existing condition that recurs when you’re traveling, and while it’s severe enough to require medical treatment, it’s not severe enough to warrant you ending your trip early.

On the other hand, there may be many circumstances where a flare-up would be enough to cause you to cancel your trip.

This is a long way of saying that the fact that a medical condition is pre-existing doesn’t automatically mean it’s severe, or severe enough to cause a traveler to cancel their trip. It’s completely dependent on the severity of the recurrence.

Also read:  10 Tips for Traveling With Medication

Does your travel insurance cover pre-existing conditions?

The best way to understand how pre-existing conditions are covered is to read your travel protection plan documents –  you can read all the fine print for our Premium plan , which is able to cover your pre-existing medical condition. Otherwise, you can  read a summary about how pre-existing conditions are covered.

The good news is that even if you have a pre-existing medical condition, you can get travel protection for your trip – and for the millions of travelers who fall into that category, that’s some very good news.

Travel Resources

*The pre-existing condition look-back period can vary, dependent upon your state of residence. B005542309

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Everything You Need to Know About Travel Insurance With Pre-Existing Conditions

Don’t let a pre-existing condition affect your ability to protect yourself on your next trip.

Published on March 14th, 2024 in Travel Insurance

More Americans are buying travel protection than ever.

In 2022, the U.S. Travel Insurance Association conducted the Travel Protection Market Study and found several interesting facts on the topic:

• We spent almost $4.27 billion on all types of travel protection in 2022
• Approximately 77 million people were protected by over 49 million plans
• The number of folks protected increased by 17% from 2019 and 10.7% from 2021

There’s a good reason for this. Both travel assistance and travel insurance can provide numerous benefits to all types of travelers.

We learned from the COVID pandemic that medical emergencies while traveling don’t discriminate based on age or previous health risks. More travelers than ever now value the additional protection that these types of protection and membership plans provide. It brings peace of mind knowing you have protection if you have to cancel your trip due to unplanned illness, or if your trip is interrupted by a sudden medical emergency.

We’ve already covered the benefits of travel insurance, but as a quick recap, it’s designed to reimburse you for trip cancellation, trip interruption, cover medical expenses, and other unanticipated trip costs you may incur while traveling.

But today we’re going to zoom in on a specific type of traveler: Those with pre-existing conditions .

This type of traveler may wonder:

• Can I buy travel insurance if I have pre-existing medical conditions?
• Will my trip insurance policy be more expensive?
• How do I buy travel insurance if I have pre-existing medical conditions?
• Where can I find a reputable travel insurance company?
• How can I ensure my pre-existing condition is covered by travel insurance?

In this article, we’re going to answer all of the above questions, give tips on purchasing travel insurance, plus a whole lot more. Let’s go!

What are considered pre-existing conditions?

The term “pre-existing condition” can be confusing for travelers and may result in unsuccessful insurance claims. Pre-existing conditions in the context of travel insurance generally refer to documented medical conditions that you have been diagnosed with or received treatment for before purchasing the insurance policy. These conditions can vary, but common examples include:

• Chronic illnesses : Conditions like diabetes, hypertension, or asthma
• Cardiovascular conditions : Heart diseases or conditions related to the circulatory system like high blood pressure
• Respiratory conditions : Chronic obstructive pulmonary disease (COPD), bronchitis, or other respiratory issues
• Cancer : Both current and past diagnoses
• Neurological conditions : Conditions like epilepsy, multiple sclerosis, or Parkinson’s disease
• Mental health conditions : Depression, anxiety disorders, or other mental health issues
• Musculoskeletal conditions : Arthritis or other chronic conditions affecting the bones and joints

In broad terms, most travel insurance companies usually define a pre-existing condition as a diagnosed illness or medical issue that hasn’t remained stable over a specified look-back period. “Stable” implies no changes or deterioration in the condition—no new diagnoses, treatments, medications, or pending/in-progress treatments, scans, or test results.

Can you buy travel insurance if you have a pre-existing condition?

Absolutely. Comprehensive travel insurance plans from reputable companies come with emergency medical coverage. This coverage can complement or substitute your regular health insurance , assisting in reimbursing emergency medical expenses incurred during your travels.

Many comprehensive travel insurance plans extend coverage to include pre-existing medical conditions, sometimes at no extra cost. However, if you end up trying to use this travel insurance coverage to pay for medical bills incurred on your trip related to one of your pre-existing conditions, you may run into trouble if you haven’t secured a “ pre-existing medical conditions waiver .”

What is a pre-existing medical conditions waiver?

A pre-existing medical conditions waiver is an allowance or endorsement within a travel insurance policy that provides coverage for medical conditions that you (or a family member) may have before purchasing the insurance. Typically, travel insurance policies exclude medical coverage for pre-existing conditions, considering them as elevated risks. However, by obtaining a pre-existing medical conditions waiver, you essentially gain approval for coverage related to these pre-existing health issues.

How do you obtain a pre-existing medical conditions waiver?

To qualify for this waiver, you must meet certain conditions. Keep in mind that eligibility criteria may vary among insurance providers. Here are a few general steps that you will likely need to take to obtain this waiver:

• Purchase early : Typically, you need to purchase travel insurance that includes the pre-existing conditions waiver shortly after making your first trip deposit, which is usually well before your departure date. Insurance providers often have a specific window within which you must buy the coverage to be eligible for the waiver.
• Meet time requirements : Pay attention to the time requirements specified by the travel insurance provider. There is usually a deadline from the time you make your initial trip payment (for example, 10-21 days after you put a deposit on a hotel) to when you can purchase the insurance with the pre-existing conditions waiver.
• Complete application truthfully : Provide accurate and complete information about your medical history and medical record. Disclose any pre-existing medical conditions, as this information is important for determining eligibility for the waiver.
• Review policy terms : Carefully read the terms and conditions of the pre-existing conditions waiver. Understand the extent of coverage, any limitations, and specific criteria for eligibility. Not all waivers are the same, and coverage details can vary.
• Document your health status : In some cases, insurance providers may require documentation of your health status. This could include recent medical records, statements from healthcare providers, or other relevant documents.

You (or your family member) will need to be medically capable for traveling in order to qualify. You’ll also need to insure your entire trip (not just the flight, for example) in order to qualify for a waiver.

These steps are crucial to obtaining a pre-existing medical conditions waiver, because if you purchase a policy without one, insurance companies may look to deny your medical claim for reimbursement based on what’s called a “ look-back period .”

What is a look-back period?

A look-back period is a specified timeframe that insurance companies examine to assess the stability of your health condition. This period is crucial in determining whether a particular medical condition qualifies as pre-existing. This is what an insurance company will use to assess your claim for medical bills if you do not have a pre-existing medical conditions waiver.

During the look-back period, the insurance provider reviews your recent medical history to check for any changes or developments in your health. The purpose is to identify any new official diagnoses, medical treatment, medications, or alterations in your condition. If your health remains stable within this defined period, it is less likely to be classified as a pre-existing condition. The length of the look-back period can vary between insurance companies and policies. Commonly, it ranges from a few months to a couple of years.

Will travel insurance be more expensive if you have pre-existing medical conditions?

Yes, travel insurance premiums can be higher if you have a pre-existing medical condition. Travel insurance companies assess the risk of covering individuals with pre-existing conditions (among other factors) and as a result, they may charge higher premiums to account for potential medical expenses or trip cancellations related to those conditions. Some policies may actually exclude coverage for pre-existing conditions altogether — so be sure to read the fine print carefully.

Finding travel insurance coverage for pre-existing medical conditions

Now that you know the lay of the land, here are some tips for finding travel insurance that will cover your pre-existing medical condition.

Get quotes from reputable insurance companies

We know it’s a bit anticlimactic, but the simplest and most reasonable solution is to just purchase comprehensive plans from reputable travel insurance companies with full disclosure about your medical condition. Two great options are:

• SquareMouth
• InsureMyTrip

Note : Comprehensive plans are much different than so-called “flight insurance plans” you buy from the airline. These will definitely not have any medical coverage, much less coverage for pre-existing conditions.

For Emergency Assistance Plus members, TripInsure Plus is a great option because it acts as the perfect complement to your travel assistance protection. Get full protection with maximum financial efficiency. Get a free quote from TripInsure Plus.

We recommend getting quotes from multiple travel insurance companies so you can compare coverages and costs.

For serious conditions, try specialist medical sites

For comprehensive medical coverage of more severe conditions like heart ailments, specific joint issues, or cancer, you may need to explore specialized medical insurers, which are often not featured on regular comparison websites. An example of one of these options is Allianz Global Assistance .

Note : The TripInsure Plus Premium plan also includes a pre-existing condition exclusion, as well as optional Cancel for Any Reason** coverage.

**Additional terms and conditions apply. Optional CFAR comes at an additional cost and is not available to residents of NY.

Complement your travel insurance policy with a travel assistance membership

It’s crucial to understand a fundamental aspect of all types of insurance, be it health or travel:

Travel insurance primarily operates by reimbursing you after a situation has been resolved, offering limited proactive assistance during emergencies.

In contrast, a travel assistance membership plays a proactive role in aiding you during a medical emergency while on a trip. This assistance begins with a single phone call and services are arranged and provided on your behalf. Unlike traditional health or travel insurance companies, numerous travel assistance providers have response centers ready to take your call whenever you require assistance no matter where in the world you are.

For instance, Emergency Assistance Plus® (EA+®) operates 24/7/365, ensuring that you can make a call and arrange travel assistance services. Common services facilitated by such providers include:

• Emergency medical evacuation : If you need specialized medical treatment or emergency medical care—and the transport is deemed medically necessary—you would be moved to the nearest appropriate hospital via ground or air transportation.
• Transportation home : When your condition improves and you’re released from the hospital, EA+ handles all the travel arrangements to get you home.
• Nurse escorts : Upon recommendation of a physician, EA+ will provide a nurse escort to monitor your condition and administer care during your trip home, if necessary.
• RV/vehicle return : If you can’t drive your vehicle back home because your documented medical emergency prohibits it and your companion can’t drive it either.

And these are only a few of the protections EA+ offers our members—you can read more details on our plan information page .

To speak with an expert about the benefits of a travel assistance membership, contact us via our website or call: 1-866-863-4460 .

Safe Travels Start Here

Should a medical emergency derail your travel, Emergency Assistance Plus® (EA+®) has you protected no matter where you are.

Related resources

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Travel Insurance on Flights — Is it Worth the Cost?

A look into travel insurance coverage types, different scenarios where you might want to buy, and tips for making sure your flight is protected.

Life-Changing Travel Assistance

If a medical emergency occurs while you’re traveling—either domestically or abroad—you want to know that you and your loved ones are well-protected. Emergency Assistance Plus not only offers that protection but the peace of mind to explore the world with confidence.

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A Practical Guide to Buying Travel Insurance

Travel insurance could be the difference between a huge medical bill or a modest copay. use these tips to find the best policy for your trip..

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It’s far better to buy travel insurance and never use it than to not be covered in an emergency.

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For many, travel insurance seems like an unnecessary additional expense. But if you get stuck in a costly situation—a medical emergency, a canceled trip due to a pandemic , a stolen camera—it suddenly becomes a totally worthwhile investment that saves, not costs, you money.

This was the case for writer Chris Ciolli. After years of traveling without a safety net, she invested in travel insurance on a recent trip during which she was rushed to the hospital at 3 a.m. for a slew of just-in-case tests. She ended up with an underwhelming diagnosis of gastritis, but also a slow trickle of medical bills—a few hundred dollars here, a thousand there—that totaled nearly $6,000. Fortunately, her monthlong $185 World Nomads policy covered everything after an initial $80 copay.

But even if you understand the benefits and you’re committed to buying travel insurance, choosing the right policy for your needs—and even knowing what those needs are—can be tricky. To help you choose the best travel insurance for your trip, we’ve consulted a number of travel agents, insurance industry professionals, and lifelong travelers for advice. In this guide, you’ll find everything you need to know, from travel insurance reviews and comparisons to common questions answered, to pick the best policy for your next trip.

What is travel insurance?

Travel insurance is a plan, similar to health or auto insurance, that protects you from expenses incurred during unforeseen mishaps while traveling, such as lost luggage, trip cancellations, or medical emergencies.

Although your current homeowner’s, renter’s, auto, or health insurance may cover you for certain things while traveling, it usually doesn’t cover everything—especially on international trips. A good travel insurance plan will cover the gaps.

Where do you get travel insurance?

Some very basic forms of travel insurance are included if you booked your trip with a credit card such as World MasterCard, Capital One Venture Rewards, and Chase Ink and Sapphire cards. With these plans, you may be protected regarding some delay, luggage, and travel accident expenses, but the coverage is usually pretty basic.

You can also purchase it as an add-on while booking flights, cruises, or hotels. These plans are also limited and will only cover you in the event of an unavoidable cancellation due to events such as a natural disaster or a death in your family. “While it may seem less expensive, it may not cover all of the components of your trip,” says Andrew David Harris, vice president and COO of Harris Travel Service . While both of these are better than nothing, the most comprehensive and best travel insurance policies are sold by providers such as World Nomads, Allianz Global Assistance, Seven Corners, or TravelEx. You can purchase these plans through your travel agent, but it’s often less expensive to book directly with the travel insurance provider or through a comparison website, like SquareMouth .

What does travel insurance cover?

Every traveler and trip is different, which is reflected by the variety of travel insurance plans on the market. No matter what plan or provider you choose, below are some common things travel insurance covers. Experts agree that before you buy, you should absolutely look for specific exclusions in the fine print on potential policies. If you’re unsure about something, reach out. A good insurance company will be responsive and willing to clarify your questions.

Trip cancellation and interruption

Most travel insurance policies will include some form of trip cancellation and interruption coverage to reimburse you for nonrefundable expenses, like a prepaid hotel or plane ticket. Unless you add cancel for any reason (CFAR) insurance to your plan, there will be a limited set of acceptable reasons to claim this. Illness, death of an immediate family member, and weather are commonly accepted reasons.

Trip delays and missed connections

Also common is reimbursement for additional expenses incurred if a trip is delayed and meets criteria set out by the provider. With World Nomads, your flight must be delayed by at least six hours to qualify.

Baggage and personal effects

Most plans will cover the cost of lost or damaged luggage and personal belongings as well as the cost of purchasing additional items if your luggage is delayed.

Emergency medical and dental care

This covers the cost of medical care when you get sick or have an accident in another country and usually includes medical evacuation. However, travel insurance isn’t a substitute for regular health insurance so nonemergency medical expenses (physicals, anything cosmetic, eye exams) aren’t covered. Childbirth isn’t covered either, even for pregnant travelers who go into labor prematurely.

Shannon O’Donnell, 2013 National Geographic Traveler of the Year and blogger at A Little Adrift , mentions another coverage gap travelers miss: “You’re only covered for what you’re licensed to do back home—if you don’t have a permit for a motorbike and you drive one in Southeast Asia, you might not be covered in an accident.”

Emergency medical evacuation

This covers the cost of an emergency transfer (in an ambulance or helicopter, for example) from an area with inadequate medical care to the nearest medical center with the services you need. It’s costlier but essential in isolated and politically unstable parts of the world.

Accidental death and dismemberment and repatriation

Experts say that “truckloads of coverage for hospital costs and medical repatriation home” are the most important things to look for. “The rest is just window dressing.” A lot of basic plans won’t include this in their coverage, but you can easily add this on with an upgrade to a more premium tier.

Concierge and 24/7 service

Daniel Durazo, director of Marketing and Communications for Allianz Global Assistance , says that “a good policy includes a 24/7 contact line for both medical and travel emergencies.”

Common travel insurance add-ons to consider

A basic plan is usually enough for most travelers, but it may not cover everything you need if you’re older, have pre-existing medical conditions, participate in sports while traveling, book an expensive trip, or travel with expensive gear (such as a high-end camera). If you fall into any of these categories, consider an add-on or upgrade.

Upgrade lost luggage, trip delay, and cancellation amounts

“Standard travel insurance levels cover more modest belongings and lodging,” advises Annette Stellhorn, president and Group Luxury Travel designer at Accent on Travel . If you’re traveling with expensive gear or spending a lot on your trip, consider upgrading to a tier that covers your costs adequately.

Additional coverage for adventure and high-risk travel

Stellhorn also notes that adventure and high-risk travel “require higher benefit amounts for medical evacuation, which can run more than $250,000.” And Judy Perl at Judy Perl Worldwide Travel says that “most insurance companies will not insure high-risk travel at all, with the exception of big companies like First Allied and Travelex .” Even fewer risky activities and sports may only be covered to a limit: that is, climbing to certain heights and diving to certain depths.

Most sports are covered up to a certain level of intensity; any higher and you may have to purchase a different tier of insurance. World Nomads, for example, will cover a slew of adventure travel activities and sports, but at an additional cost on top of its basic insurance.

Cancel for any reason (CFAR) insurance

It’s important to read the fine print of any insurance plan because, even if it includes trip cancellation coverage, this often only kicks in under certain circumstances. As many travelers found out recently, trips canceled due to the recent coronavirus pandemic were not covered unless they had a CFAR add-on .

Jennifer Wilson-Buttigieg, co-owner and copresident at Valerie Wilson Travel , explains that these plans “only cover 75 percent of trip expenses [and only] if travelers cancel their trips at least 48 hours in advance.”

Does travel insurance cover pandemics?

No. “Once actual events have unfolded, such as the coronavirus outbreak, they are considered known or foreseeable events and are no longer covered by most travel insurance policies,” says Afar’s Michelle Baran . The exception is if you chose to upgrade your plan to include a CFAR add-on.

What are the best travel insurance policies?

The best travel insurance policy will depend on you and your trip. You’ll want to make sure you have a plan that covers the cost of your entire trip and the activities you want to do and won’t leave you in the dark if you have preexisting conditions. The following are some of the best travel insurance partners to consider:

Best for: Older travelers and those with preexisting conditions.

While Allianz provides great travel insurance for any traveler, it’s especially appropriate for those with pre-existing conditions, since those are covered in every one of its plans. However, its basic coverage only covers up to $500 in lost or damaged baggage, so consider an upgrade if you’re traveling with more expensive equipment.

Get a quote: allianztravelinsurance.com

Best for: Medical coverage only

GeoBlue’s Voyager basic medical coverage is not a comprehensive travel insurance plan that covers a slew of scenarios; rather it provides travelers with basic medical travel insurance. The deductible is a high $500, but at $19 to $35 per trip, it’s an inexpensive way to protect yourself in case something catastrophic happens. If you’re adequately covered for travel mishaps like lost luggage or stolen goods by other insurance (like your credit card or homeowner’s insurance), this might be the plan for you.

Get a quote: geobluetravelinsurance.com

Best for: Traveling with kids

With TravelEx, travelers can choose between a basic or select travel insurance package with options to customize it according to their needs. Both plans cover standard things like trip cancellation and emergency medical services and are an all-around comprehensive option. However, its Travel Select plan also includes free coverage for any children under 17 traveling with you. For families, TravelEx Select is a great money-saving option.

Get a quote: travelexinsurance.com

How much does travel insurance cost?

Complete travel insurance packages can cost as little as $8 per day but vary depending on the length of the trip, destination(s), and the tier of travel insurance you choose. Some, but not all, travel insurance may also cost more for travelers with pre-existing conditions or older adults.

As a comparison, here are some examples of travel insurance costs for a 45-year-old traveler on a $5,000, one-week trip to Mexico:

• $138 for an explorer plan with World Nomads
• $179 for a basic plan with Allianz
• $248 for an essential plan with AIG
• $261 for a basic plan with Travelex

While some of these plans may seem expensive, keep in mind that if they provide you the coverage you need, they can be a huge money saver. Insurer World Nomads says that its average claim amount for 2017 was $1,634, and its most expensive claim—a medical evacuation of a child from Sitka, Alaska, to Seattle—was nearly $200,000. Suddenly, that $8 per day makes travel insurance worth it . But, as Michael Holtz, founder and CEO of the travel agency SmartFlyer , says, “People don’t think they need it until they need it.”

How do I buy travel insurance?

You should always buy travel insurance from an official, reputable provider or website, such as purchasing directly through the insurance provider, a travel agent, or a comparison website; these “offer a way to search, compare, and purchase from a wide array of plans,” says Stan Sandberg, cofounder of TravelInsurance.com .

Comparison sites to buy travel insurance include:

• Travelinsurance.com
• SquareMouth
• Insuremytrip

Sandberg strongly recommends consumers speak with a licensed agent when they are unsure about benefits. The website Elliott Report is another good resource and features a list of reputable travel insurance companies compiled by consumer advocate Christopher Elliott.

When to buy travel insurance

Generally, you should book your travel insurance as soon as you can after booking your flights and hotels. If you’re traveling to a destination affected by hurricanes , book sooner rather than later, because you can’t buy insurance to cover delays or cancellations related to a storm that already has a name.

People with preexisting conditions need to consider other factors. Most insurers will cover only expenses related to prior illnesses in very specific circumstances; travelers with preexisting conditions must book coverage within a specific time frame, usually between 14 and 21 days, following their initial trip reservation, and they must be medically able to travel on the date they purchase the insurance.

Your travel insurance policy period should be for the duration of your trip from door to door (no gaps or shortcuts, please) and cover you for every place you plan to visit, whether it’s in-state, out-of-state, or international. Some destinations are at higher risk than others, so insurers don’t offer the same coverage for the same price everywhere.

What does your existing insurance cover while traveling?

While your existing health, auto, renter’s, or homeowner’s insurance may cover a few things while you’re traveling, it likely doesn’t cover everything.

• Health insurance: Many U.S. health-care policies, including Medicare, don’t cover travelers on international trips. Some plans will cover you abroad, so check with your provider. If your health insurance only covers you domestically, both the Centers for Disease Control and the U.S. State Department recommend purchasing medical travel insurance.
• Travel insurance: Credit cards can provide limited coverage of some delay, luggage, and travel accident expenses, as well as part of your rental car insurance.
• Homeowner’s and renter’s insurance: Home contents or rental insurance may cover some lost, stolen, or damaged valuables or even offer a reasonably priced floater policy (an add-on to your regular policy that covers easily moveable property) if you travel with expensive equipment.
• Auto insurance: Within the United States, your primary auto insurance will almost always cover rental vehicles. There are a few exceptions for domestic rentals, like if your current auto insurance has low coverage limits. International car rentals are a different story. In Mexico, for example, rental car insurance is mandatory , even if you have insurance at home. Always be sure to check local rules before you reserve a rental car.

Tips for filing claims and getting reimbursed

Unlike most domestic health insurance policies, travel insurance doesn’t typically have a deductible. Some inexpensive policies will require you to pay a small, nonrefundable, initial policy excess amount before further costs up to the benefit limit are covered. Many policies work on a reimbursement plan: You pay upfront, save your receipts, and file a claim, then after processing, your insurance company pays you back for covered expenses.

Most policies require you pay non-emergency expenses out of pocket and submit your claim for reimbursement afterward. In a non-life-threatening emergency, call your insurer for instruction if you’re able; it will make the claims process easier, and the insurer may be able to direct you to a hospital or medical center where your care can be billed directly to it.

Hannah Logan, of the blog Eat Sleep Breathe Travel , says this step is especially important because the small print on many policies “reads that calling the contact number [may be] a requirement for coverage.”

No matter what, document everything. Whether it’s lost baggage, a medical expense, or damage to your rental car, gather and keep anything that can help your claims case: your original rental car agreement, receipts, photos, medical paperwork, a copy of your boarding pass.

Buying travel insurance is a little like packing a suitcase: It can seem overwhelming at first, but eventually it becomes routine and a necessary part of every trip. Once it does, you can travel worry-free, secure in the knowledge that you’ve saved yourself from a possible $6,000 mistake.

This article originally appeared online in 2018; it was updated on June 19, 2020, and on May 15, 2024, to include current information.

World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.

Snowbird Advisor Insurance

COVID-19 Travel Insurance Coverage Options - UPDATE LEARN MORE

The Insurance Specialists for Snowbirds, Boomers and Seniors

Why you should consider a travel insurance policy with no stability period.

Regardless of whether you're in perfect health or have pre-existing medical conditions, your best travel insurance option could be a Personalized plan that  covers pre-existing medical conditions with NO stability period .

Many Canadian travellers with unstable health or medical conditions are under the false impression that their travel medical insurance policy will cover them for treatment costs related to their pre-existing medical conditions while travelling.

However, the reality is that standard travel insurance policies won’t cover you for pre-existing medical conditions unless you meet the policy’s “stability” requirements. Any medical conditions that are not “stable” will be excluded from coverage under your policy.

This can have serious implications for travellers, as failing to meet your policy’s stability clause requirements is the second most common reason for having a travel insurance claim rejected 1 .

This problem is particularly common among Canadian snowbirds, boomers and seniors who often have one or more pre-existing medical conditions.

It’s essential for you to understand how stability clauses work, determine whether or not you meet the stability requirements of your policy and what your options are if you don’t meet these requirements.

Individuals with pre-existing medical conditions – regardless of whether they are stable or not - should strongly consider protecting themselves with a "Personalized" travel insurance policy that provides coverage for pre-existing medical conditions with NO stability period requirement .

What if I Don’t Have Any Pre-Existing Medical Conditions?

Even if you’re in perfect health and don’t have any pre-existing conditions, Personalized travel medical insurance plans can still offer significant benefits over Standard travel insurance plans. For example, the premiums for healthy travellers can often be lower under a Personalized plan than they would be under a Standard plan, and the medical questionnaires for Personalized plans are usually much shorter, simpler and faster to complete.

What is a Stability Clause & How Does it Work?

Most Standard travel medical insurance policies contain what is commonly referred to as a “stability” clause.

These clauses require your pre-existing medical conditions to be “stable” for a defined period of time prior to the date you leave on your trip. The stability period varies from policy to policy, but is often 90, 180 or even 365 days leading up to your departure date.

If there are any changes to one of your pre-existing medical conditions during the stability period, that condition will be excluded from coverage, meaning your policy will not cover any expenses you incur that are related to that condition while travelling.

Any Changes Means ANY Changes…

Keep in mind that any changes really means any changes, including some you may not think of such as starting or stopping a medication, increasing or decreasing the dose of a medication or seeing a doctor or receiving diagnostic testing related to a potentially new medical condition, even if that condition has not yet been diagnosed.

Beware of related medical conditions…

It’s also very important to be aware that under a stability clause, any medical treatment for a condition related to an excluded condition would also be excluded from coverage. To better illustrate this point, take the following example:

Let’s say Bob has diabetes that doesn’t meet his policy’s stability terms. In this case, it’s quite clear that Bob would not be covered for any treatment related to his diabetes while travelling.

What you may be surprised to learn is that Bob would also not be covered for any condition related to his diabetes. For example, if Bob was to have a heart attack while travelling, and the heart attack could be linked to having been caused by Bob’s diabetes, it is quite possible that treatment for his heart attack would also not be covered by his insurance, even though most people would consider diabetes and a heart attack to be two different and unrelated medical conditions.

The Bottom Line

If you are purchasing a Standard travel insurance policy with a stability clause, make sure you meet the terms of that stability clause or you could run into a serious problem if you need to make a claim.

What if I Don’t Meet the Stability Clause Requirements?

Travellers with pre-existing medical conditions who don’t meet stability clause requirements are essentially left with three options:

• Wait until your medical conditions are “stable” before purchasing your policy . This is often not a realistic solution, as it would likely prevent you from travelling during your preferred travel dates. There’s also a good chance your medical conditions may never meet the stability requirements.
• Purchase the policy knowing your non-stable medical conditions and any related conditions won’t be covered . This is a very risky strategy and not advisable, as you’d be exposing yourself and your family to serious financial risk if you require treatment while travelling and need to file a claim. Note that other medical emergencies unrelated to your existing conditions (such as a fall or food poisoning) could be covered.
• Find a Personalized policy that provides coverage for pre-existing medical conditions with NO stability clause requirement . While these policies are not as well known or widely available as Standard travel insurance policies, they can be a real lifesaver and are often the best option for many Canadian snowbirds, seniors, boomers and other travellers with pre-existing medical conditions.

Coverage for Pre-Existing Conditions with NO Stability Period

There’s good news for travellers who either don’t meet the stability clause requirements commonly found in Standard travel insurance policies or simply want the peace of mind of not having to worry about stability clauses altogether.

For individuals who fall into these categories, there’s a  lesser-known type of “Personalized” travel insurance policy that completely does away with the dreaded “stability” clause and provides coverage for pre-existing medical conditions with NO stability period requiremen t .

How Are These Policies Different?

Standard travel medical insurance policies determine your coverage eligibility and premiums by grouping you into categories with other travellers whose health and age may be different than yours.

On the other hand “Personalized” travel medical insurance policies base your coverage eligibility and premiums exclusively on your personal medical history and characteristics.

As a result, Personalized travel insurance plans are better able to accurately determine your coverage risk and the appropriate premiums based on those risks. This personal element also allows them to provide coverage for pre-existing conditions with no stability period requirement.

You can learn more about Snowbird Advisor Insurance’s personalized travel medical insurance plans here .

How Do I Qualify?

In order to qualify for a Personalized policy, you’ll need to fully and accurately disclose all of your pre-existing medical conditions at the time you apply, and as long as your conditions are eligible for coverage, you’ll be covered for all pre-existing medical conditions, regardless of how long they have been stable for.

Keep in mind that just like standard insurance policies, some medical conditions may make you ineligible for coverage.

And just like a Standard policy, you’ll still be required to inform your insurance provider of any changes to your health that occur after you purchase your policy and prior to any departure date.

Do I Need to Complete a Medical Questionnaire?

If you’re applying for a Personalized plan with no stability requirement, the only thing you will need to do is disclose any pre-existing medical conditions you have and answer any follow-up questions related to those conditions. This is usually a much faster and simpler process than completing the long and sometimes confusing medical questionnaires that are required for Standard plans. Be sure to disclose all of your medical conditions, regardless of whether you think they may be relevant or not.

How Much Do Personalized Policies Cost?

While you might think a Personalized policy with the added benefits it offers would be more expensive than a Standard policy, that’s often not the case.

In many situations, the cost of a Personalized policy is the same or less than a standard policy because Personalized policies are tailored specifically to your conditions and risks - so you won’t be grouped into a category with other travellers who may have more serious or numerous medical conditions.

Of course, there are situations when a Personalized policy will cost more than a Standard policy, but this is often due to certain pre-existing medical conditions being covered that would otherwise be excluded from coverage under a Standard policy.

Advantages of Personalized Travel Medical Insurance Plans

In summary, here are the main advantages provided by Personalized policies:

• No Stability Requirement for Pre-Existing Medical Conditions: If you have pre-existing medical conditions, Personalized policies will cover you for those conditions without having to meet any stability period requirements.
• Potentially Lower Premiums than Standard Policies: If you’re a healthy traveller, in many cases your premiums can actually be lower under a Personalized plan than they would be under a Standard plan.
• Faster, Simpler Medical Questionnaire: Unlike the long, sometimes confusing medical questionnaires you need to fill out when applying for a Standard travel insurance policy, Personalized plans have much simpler, faster, and easier medical questionnaires that only require you to disclose your pre-existing medical conditions and any follow-up questions about those conditions.

1 KPMG survey of Canadian insurance providers commissioned by the Travel Health Insurance Association of Canada (THIA) (November 2014)

Disclaimer:  The material provided in the Snowbird Advisor Insurance Learning Centre is for informational purposes only and does NOT constitute insurance, legal, financial or other advice, and should not be relied on as such. If you require such advice, you should speak with a qualified professional to assist you.

Travel Insurance:

Manulife coverage is underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company , a wholly-owned subsidiary of Manulife, PO Box 670, Stn. Waterloo, Waterloo, ON N2J 4B8.* Manulife and the Block design are trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates under license. 

Blue Cross coverage is underwritten by Canassurance Hospital Service Association and/or Canassurance Insurance Company .*

* Certain terms, conditions, limitations, and exclusions apply, see policies for details. Some products may not be available in all provinces.

Home & Auto Insurance:

Home and Auto insurance is arranged by Canadian Insurance Alliance (2018) Inc. o/a HUB SmartCoverage (all rights reserved) and is underwritten by a number of Canadian insurers.

For more than 20 years, HUB SmartCoverage has worked with some of the largest insurance companies in Canada, servicing the home and auto insurance needs of Canadians in Alberta, Ontario and the Atlantic provinces, as well as providing residents of British Columbia with home insurance solutions.

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova; North Korea; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Pre-Existing Medical Conditions

Can travel insurance cover losses related to pre-existing medical conditions? Yes, as long as you meet certain requirements. Learn more and protect your next trip by  getting a quote .

Transcript:

Can travel insurance cover losses related to pre-existing medical conditions? Yes!

Generally speaking, a pre-existing condition is any illness or injury present within the 120 days prior to buying your plan (including your plan purchase date.)

To be eligible for pre-existing condition coverage, you must:

• Be a U.S. resident
• Insure the full nonrefundable cost of your trip within fourteen days of paying your first trip deposit
• And be medically able to travel when you purchase your policy

Learn more at AllianzTravelInsurance.com

Get a Quote

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Popular Travel Insurance Plans

• Annual Travel Insurance
• Cruise Insurance
• Domestic Travel Insurance
• International Travel Insurance
• Rental Car Insurance

View all of our travel insurance products

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Introduction to VisitorsCoverage Travel Insurance

• Types of Policies Offered
• VisitorsCoverage Cost
• Customer Service and Support

How to File a Claim with VisitorsCoverage Travel Insurance

• Why You Should Trust Us

VisitorsCoverage Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

The process of buying travel insurance can be tedious and stressful as you scour the internet for the best travel insurance companies . VisitorsCoverage exists to simplify the process by showing you all the options available for your particular travel details.

Since 2006, VisitorsCoverage has helped more than 1 million travelers check peace of mind off of their packing list, no matter the destination. It partners with popular travel insurance companies as a broker, so it can quote policies and manage payments on its website. 

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse travel insurance plans for solo and group travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers medical insurance for US visa holders for up to two years
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers plans designed for missionaries and international volunteers
• con icon Two crossed lines that form an 'X'. VisitorsCoverage does not underwrite or service travel insurance plans
• con icon Two crossed lines that form an 'X'. Claims experiences may vary widely based on which carrier you buy your plan from

VisitorsCoverage is a travel insurance marketplace that allows you to sort through the best travel insurance policies for your travel details and compare policies against one another. The information it provides on each policy is thorough and straightforward, so you don't have to wade through dense legalese to understand your policy. You can purchase travel insurance directly on VisitorsCoverage's website as well as manage your policy and adjust your coverage.

You'll have to file claims directly with your insurer, but VisitorsCoverage has a Claims Assistance Hub that will contact your insurer on your behalf to expedite the process and provide updates. The Assistance Hub is a great asset given that claims offices are infamously inaccessible and uncommunicative.

While VisitorsCoverage excels as a platform for travel insurance, VisitorsCoverage doesn't field customer reviews of insurance products, which you can find with some of its competitors like Squaremouth and InsureMyTrip. This isn't a major exclusion, but it means you have to conduct additional research for that information, which isn't ideal for a service that exists primarily to simplify the buying process.

Types of Policies Offered by VisitorsCoverage

VisitorsCoverage partners with many travel insurance providers to offer comprehensive coverage options. If you're looking for cancellation protection, baggage protection, and other standard coverages, it can provide many options based on your residence, destination, and costs.

It also works with carriers specific to Europe and Schengen visas. Europe-bound travelers also enjoy medical evacuation and repatriation protections. The descriptions are straightforward, and the site offers options to search for doctors, manage your plan, and more on its website,

If traveling with family, friends, or coworkers, its website may prompt you to consider group travel insurance. Coverage protects up to five travelers with health coverage in the event of an accident or illness at a reduced rate of up to 20% compared to identical coverage for five individual travelers. If you're traveling for business, you may also want to consider its business coverage, which covers lost luggage, trip interruption, and terrorism, along with emergency medical care (including emergency medical evacuation).

One thing this travel website brings to the table is variety. As an online broker, customers can get multiple quotes at once. However, its partnerships allow it to expand the most common understanding of what travel insurance covers , catering to less common travel scenarios such as non-US residents (including Americans working full-time abroad) traveling to the U.S., missionaries, and visa applicants.

Additional Coverage Options (Riders)

VisitorsCoverage has filters that can tailor your insurance search based on your needs. You'll find specific search functions for the following types of travel insurance :

• AD&D insurance coverage: This provides a lump sum benefit to the insured's beneficiary in the event of accidental death. The insured can also collect a benefit after an accidental dismemberment (losing a limb).
• Pre-existing condition insurance: This plan is designed for travelers with diagnosed conditions (existing before applying for travel medical insurance) who want to see the world without fear of what to do should a medical emergency arise. Coverage includes emergency services like hospitalization, surgery, and even medical evacuation.
• Cruise insurance: This short-term trip insurance protects cruisers from losses related to delays, cancellations, illnesses, injuries, etc., while at sea.
• Immigrant/Green Card insurance: This type of plan offers short-term coverage (up to two years) for individuals needing medical insurance coverage while visiting the United States. It's ideal for visa applicants who ideally obtain long-term healthcare through their employer once their work visa is approved.
• Student visa insurance:  Students spending a semester away from their home country or attending university in a foreign country often require travel insurance that meets certain standards.

VisitorsCoverage Travel Insurance Cost

The average cost of travel insurance is around 4-8% of trip costs. Travel insurance premiums of $100-$200 per trip are standard, especially when traveling internationally. A cancel for any reason rider raises travel insurance premiums by about 50% with most travel insurance companies. However, many travelers enjoy the peace of mind of eliminating denials for excluded causes.

Individual policy premiums are based on benefits offered plus criteria unique to each traveler, including age, health status, and the length of the trip. Because VisitorsCoverage partners with many popular travel insurance providers, shoppers can compare the cheapest options with more substantial coverage and decide which plan works best for them.

VisitorsCoverage Customer Service and Support

VisitorsCoverage has very good online customer reviews, receiving an average of 4.8 out of five stars on its Trustpilot page and 4.6 stars from Google Maps reviews left on its company headquarters located in Santa Clara, California. Negative reviews often pertain to customer experiences with unresolved claims, which isn't necessarily a reflection on VisitorsCoverage, but the actual insurance provider.

It's worth noting that VisitorsCoverage's customer support team is extremely responsive to customer reviews, usually responding within one or two business days to Trustpilot and Google Maps reviews.

VisitorsCoverage is not your travel insurance company but a liaison between you and different travel insurance providers. As such, it's no surprise that it does not handle your claims. However, it can assist you in navigating your claims and will attempt to reach out to your insurance provider if the process is delayed.

If you input your policy number on its website, the company can identify which travel insurance company you purchased your plan from. Then it will direct you to the right website or offer the address and correct claims forms. If you don't have your policy number, its website lists the different insurers it partners with and basic claims information. If you need to file claims, the most its customer service agents can do is direct you to the right company and plan administrator.

Remember to file your claim as soon as possible, especially when seeking reimbursement for covered medical expenses. In addition to the claim form, be prepared to provide the plan administrator with copies of your passport plus any medical bills/receipts.

VisitorsCoverage Frequently Asked Questions

 You can contact VisitorsCoverage by calling 1-866-384-9104 or email us at [email protected]. Business hours are from 7: a.m. - 5:00 p.m. PT, Monday to Friday. You can also chat with an agent through VisitorsCoverage's website chat function.

Yes, VisitorsCoverage has a specific search function for international trips as well as international travelers visiting the U.S.

VisitorsCoverage allows you to filter your search to only include policies that cover pre-existing medical conditions. 

VisitorsCoverage doesn't have its own claims filing process, but has tools to make your filing process with your insurance provider more user-friendly. It will also contact unresponsive claims offices on your behalf.

You can filter your insurance search based on companies that offer adventure activities. You'll need to conduct your own independent research to see if your particular sport is covered under a particular policy.

Why You Should Trust Us: What Went into Our VisitorsCoverage Travel Insurance Review

When writing this review, we researched and compared popular travel insurance companies based on myriad factors, including policies offered, add-ons, cost, convenience, claims process, and customer satisfaction. Information on numerous travel insurance products is used in the process, and opinions expressed are based solely on facts gleaned.

Neither marketing tactics nor standalone online reviews were used in compiling these ratings. As most customer reviews come from individuals who have yet to file a claim, an emphasis is placed on plans offered instead of services rendered. VisitorsCoverage is unusual because it's not the travel insurance company, but we reviewed it based on the support provided, its partners' coverage, etc.

You can learn more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

• Main content

Best travel insurance for seniors 2024

T raveling can be an exciting adventure, but it also comes with risks. As we age, unexpected health issues or accidents become more likely when away from home. Travel insurance provides seniors coverage for medical emergencies, trip cancellations or interruptions, lost luggage, and other travel mishaps. Having a policy can provide peace of mind and financial protection.

This guide was compiled after analyzing statistics from over 50 companies. We've meticulously compared the top travel insurance providers for seniors, delving into the most critical coverage options, discussing pre-existing conditions and age limits, examining costs, the claims process, COVID-19 considerations, and more. With this information, seniors can confidently find an affordable policy that aligns with their needs and embark on their travels with assurance.

Best Senior Travel Insurance Companies

When buying travel insurance for seniors, finding a reputable provider that offers comprehensive coverage options tailored to your needs is essential. Here are some top providers to consider:

Travel insurance for seniors

- Emergency Medical Coverage 

- 24/7 Emergency Assistance 

- Cancel for Any Reason 

Travel insurance for seniors provides comprehensive coverage tailored to their needs, including COVID-19 coverage, overseas emergency assistance, and medical/hospital coverage. The policy has an AA+ rating and fast online processing. The best annual travel insurance plans offer unlimited medical expense coverage, safe transportation, and 24-hour emergency assistance. With dedicated customer service, seniors can enjoy a seamless travel experience worldwide.

Comprehensive coverage for medical emergencies and trip cancellations/interruptions.

Policies designed specifically for senior travelers, including coverage for pre-existing conditions.

No age limit on many AARP travel insurance plans, providing options for those over 70 and 80.

Cons: 

Limited coverage for pre-existing conditions may leave some seniors unprotected.

Restrictions on trip duration or destinations may limit travel flexibility for seniors.

Exclusions for certain adventurous activities or extreme sports may only suit some senior travelers' preferences.

Additional Services:

Emergency Evacuation

Single Trip Travel Insurance

Domestic Travel Insurance

Ready to safeguard your travels with reliable coverage? Explore our comprehensive travel insurance plans for seniors today for peace of mind and financial protection for your next adventure. 

- Trip Cancellation - Baggage Loss 

- Emergency Evacuation 

- Repatriation

AARP offers travel insurance specifically designed for seniors, catering to the unique requirements of older travelers. Their insurance plans include coverage for medical emergencies, trip cancellations, lost luggage, and other unexpected events that may occur during travels. This insurance is crucial for seniors as it provides peace of mind and financial protection in case of health emergencies or unforeseen circumstances while abroad.

Comprehensive coverage for medical emergencies and trip cancellations/interruptions

Policies tailored to the needs of senior travelers, including coverage for pre-existing conditions

No age limit on many AARP travel insurance plans, providing options for those over 70 and 80

AARP life insurance products, including final expense policies, may be more expensive than other providers

AARP term and whole life insurance plans can be problematic for seniors to qualify for due to health questions and waiting periods

Some negative customer feedback on sites like ConsumerAffairs, though AARP's underwriter, New York Life, has average complaint ratios

Concierge Services 

Medical Assistance Hotline 

Travel Planning Assistance

- Adventure Sports Coverage 

- Global Network Assistance

International Medical Group (IMG) is a reputable provider of international medical and travel insurance, serving customers for over 20 years in more than 190 countries. They offer various plans catering to various needs, including coverage for students, travelers, expats, seniors, and more. IMG stands out for providing up to $8 million in emergency care and medical evacuation coverage, significantly higher than many competitors. Their policies offer extensive coverage limits, with medical limits reaching up to $8 million, surpassing what most other providers offer. IMG also provides additional coverages like benefits for missed flights and pet kennel bills, although these may vary by plan.

Extensive experience in the industry, serving customers for over 20 years.

Coverage available in over 190 countries.

Offers up to $8 million in emergency care and medical evacuation coverage.

Provides a diverse range of plans for seniors and other needs.

There are several bad customer reviews concerning claims processing and customer service.

Some basic plans do not include baggage delay benefits.

Travel Assistance Beyond Emergencies 

Medical Referrals

- Senior-Friendly Policies 

- Trip Cancellation Benefits

Allianz Global Assistance offers a range of travel insurance products designed for seniors, catering to travelers up to 85 years old. Their policies cover various needs, including trip curtailment, delayed personal possessions, and missed departures. Allianz's senior travel insurance is available for both inbound and outbound travel, with options for single trips and annual coverage. The company's age limit allows seniors to travel safely and with peace of mind, covering them in Europe and the rest of the world.

Offers a range of products, including single trip and annual coverage.

Provides coverage for trip curtailment, delayed personal possessions, and missed departures.

Available for both inbound and outbound travel.

Covers Europe and the rest of the world.

Some policies may have strict age restrictions, limiting coverage for older seniors.

The cost of premiums may be higher for older travelers.

The availability of certain policies may be limited due to travel restrictions.

Trip Interruption Coverage 

Concierge Services

Seven Corners

- Flexible Coverage Options

Seven Corners is a well-known travel insurance provider offering a variety of plans tailored for seniors. These plans provide comprehensive coverage for medical emergencies, trip cancellations, and lost belongings. Their plans are popular among senior travelers due to their competitive prices and generous coverage limits, including pre-existing conditions and medical evacuation options. Seven Corners stands out for its efficient claims process and excellent customer service, making it a reliable choice for older travelers. 

Comprehensive coverage for medical emergencies, trip cancellations, and lost belongings.

Competitive prices and generous coverage limits.

Options for pre-existing conditions and medical evacuation.

Efficient claims process and excellent customer service.

There are age restrictions or limited coverage for certain conditions in some policies.

Higher premiums for older travelers.

Seniors need to review plan details carefully to ensure coverage meets their needs.

Legal Assistance

Medical Translation Services

- Enhanced Medical Coverage

Tin Leg offers a variety of travel insurance plans tailored for seniors, providing comprehensive coverage for medical emergencies, trip cancellations, and lost belongings. Their policies are known for high coverage limits, particularly in medical and medical evacuation coverage. Tin Leg's customer service operates 24/7, offering assistance for various issues beyond medical emergencies. Additionally, they offer a range of deductible options, allowing seniors to customize their coverage to fit their budget.

High coverage limits, especially for medical and medical evacuation.

Competitive premiums and budget-friendly plans.

Comprehensive coverage at a lower cost compared to other providers.

24/7 customer service for various travel-related issues.

Limited customizability in plans.

Limited rental car coverage.

Trip Delay Benefits

Emergency Reunion

Trawick International

- Customizable Plans 

- Comprehensive Benefits

Trawick International offers senior travel insurance plans with higher benefits than other senior travel insurance options, making it an excellent choice for non-U.S. travelers over 70. Their policies provide comprehensive coverage for medical emergencies, trip cancellations, and lost belongings, catering to the unique needs of older travelers. Trawick International stands out for its competitive prices and generous coverage limits, including pre-existing conditions and medical evacuation options.

Pros of Trawick International Travel Insurance for Seniors:

Higher benefits than other senior travel insurance plans.

Limited availability to insureds up to age 65.

Some policies may have restricted coverage for certain conditions.

Seniors must review plan details carefully to ensure coverage meets their needs.

Medical Evacuation

Medical Monitoring Services

What Does Travel Insurance For Seniors Cover?

Travel insurance for senior citizens usually covers medical emergencies, trip cancellations or interruptions, and baggage loss or delay.

Regarding medical coverage, international travel insurance for seniors often includes travel medical insurance, which covers emergency medical expenses, hospitalization, and emergency medical evacuation. Seniors need to prioritize the medical coverage aspect of their travel insurance policy.

Travel insurance for seniors also covers trip cancellations or interruptions due to unforeseen circumstances such as illness, injury, or death of a family member. This coverage can reimburse non-refundable expenses like prepaid flights, accommodation, and tour fees.

Moreover, seniors can expect baggage loss or delay coverage, which provides compensation for replacing essential items and covers the cost of purchasing necessary clothing and toiletries while waiting for delayed baggage.

It's essential for seniors to carefully review travel insurance policies to ensure that their specific needs and requirements are adequately covered during their trips.

Please note that the coverage and specific terms of travel insurance policies for seniors may vary depending on the insurance provider and policy chosen. It is recommended to thoroughly read and understand the policy details before purchasing.

How Much Does Senior Travel Insurance Cost?

Senior travel insurance costs approximately $416 to $434 per trip. However, the cost may vary depending on age, destination, trip duration, coverage limits, and any pre-existing medical conditions. To get an accurate cost estimate, it is recommended that you obtain quotes from various insurance providers, considering your specific travel needs and circumstances.

It's worth mentioning that different insurance companies may offer other coverage options and pricing structures for cheap travel insurance for seniors, so it's advisable to compare multiple options before deciding.

How To Choose Senior Travel Insurance?

To choose the best seniors travel insurance, consider the following factors:

Coverage for Pre-existing Medical Conditions: Look for policies that offer coverage for pre-existing medical conditions, as this is crucial for seniors. Ensure the policy includes comprehensive medical coverage and emergency medical evacuation.

Age Limits and Eligibility: Check the age limits for coverage and eligibility for seniors. Some policies may have age restrictions, so it's important to find an insurer that caters specifically to seniors.

Trip Cancellation and Interruption Coverage: Evaluate if the policy offers adequate coverage for trip cancellations or interruptions, including reimbursement for pre-paid and non-refundable trip expenses due to unforeseen circumstances.

Emergency Assistance Services: Ensure the policy provides 24/7 emergency assistance services and access to a global network of healthcare providers.

Benefit Limits and Deductibles: Assess the benefit limits and deductibles to ensure they align with your travel needs and provide sufficient coverage.

Policy Flexibility and Customization: Look for policies that allow customization based on the specific requirements of the trip and the individual's health needs.

Review Customer Reviews and Ratings: Research customer reviews and ratings of different insurance companies to gauge satisfaction and reliability.

Compare Multiple Quotes: Obtain quotes from different insurance providers and compare the cost, coverage, and additional benefits offered.

Considering these factors, seniors can make informed decisions when choosing the best travel insurance.

It's important to note that the best travel insurance for seniors over 70 may vary based on individual circumstances, so it's advisable to carefully review policy details and consult with the insurance provider if necessary.

Frequently Asked Questions

Do seniors need travel insurance.

Yes, travel insurance is highly recommended for seniors. It provides coverage for a range of unexpected events such as medical emergencies, trip cancellations, lost baggage, and more.

What age is considered senior for travel insurance?

The age at which someone is considered a senior may vary among insurance providers, but it is typically around 65 years and older.

Is it expensive for seniors to purchase travel insurance abroad?

Travel insurance premiums for seniors may be slightly higher due to factors such as age and potential health risks. However, it is recommended that you compare quotes from different insurance providers to find the best coverage at a competitive price.

What insurance coverage is the most important for senior travelers?

The most important insurance coverage for senior travelers is medical coverage, specifically travel medical insurance and emergency medical evacuation coverage. These coverages provide financial protection and peace of mind in case of unexpected health emergencies while traveling.

Does senior travel insurance cover pre-existing conditions?

Travel insurance for seniors typically excludes coverage for pre-existing conditions, but some policies offer the option to obtain coverage for pre-existing conditions through a pre-existing medical condition exclusion waiver. This waiver can provide coverage for pre-existing conditions under certain conditions and restrictions.

• Travel Insurance

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Best Student Travel Insurance

Updated: May 15, 2024, 1:44pm

Table of Contents

What does student travel insurance cover, can i tailor my student travel insurance policy, what does student travel insurance exclude, how much does student travel insurance cost, where can i purchase student travel insurance, frequently asked questions (faqs).

While student travel insurance technically doesn’t exist, the good news is Australian students can take out standard travel insurance for much needed cover while away.

Whether you’re taking a gap year overseas, studying abroad, or squeezing in a few trips in between your studies, travel insurance can provide essential cover for illness, lost baggage, trip cancellation and more. It can even cover your smartphone and laptop, as well as a vast range of activities, such as bungee jumping, snorkelling, or working on a local farm. It’s simply a matter of finding a suitable policy, or tailoring one to your needs and budget. We explain more below.

Related: Guide to Backpacker Insurance

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Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

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Cover-More Travel Insurance

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Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Australian students looking for travel insurance, have all the cover options available to them that anyone else would. Common benefits include:

• Emergency medical expenses: covers the cost of treatment should you fall ill, or get injured, while away. There may also be cover for evacuation and repatriation in severe medical cases
• Personal liability: covers you if you injure someone else, or damage someone’s property
• Trip cancellation: pays out should an emergency, such as illness or bereavement, prevent your trip from going ahead
• Baggage and belongings: covers your luggage and personal effects. Look out for a total limit on cover, as well as sub-limits for individual items
• Passport and personal documents: covers the cost of replacing travel documents if lost or stolen
• Personal money: the amount claimable if your money is lost or stolen
• Missed departure: covers the cost of additional accommodation and travel should an emergency cause you to miss your journey
• Travel delay: pays out if your scheduled transport is late by typically a least 12 hours
• Company insolvency: compensates you if your airline or hotel goes bust
• Personal accident: pays out if an injury causes you permanent disability or death.

Each policy offers its own combination of benefits, so it’s vital to check its product disclosure statement (PDS) for a breakdown of exactly what is included, and the cover levels. For instance, you’ll need baggage cover that matches or exceeds the value of the items you’re taking away, while protection for cancellation should cover the cost of your trip.

As a student, you’ll likely want to customise your policy to suit the purpose of your trip, and this is something you can do on most policies. As well as additional cover for gadgets, such as smartphones, tablets and laptops, your policy will likely offer options for:

Adventure & Activities

Planning an adventure-filled, high-octane trip? Many policies offer cover for medium to high-risk sports and activities, such as trekking, abseiling and bungee jumping, at an extra cost. This comes in addition to the dozens of low-risk activities usually already covered automatically. Each insurer’s risk barometer is different so do check a policy’s PDS, for a list of what is and isn’t covered as standard. Protection for winter sports, such as skiing and snowboarding, usually comes as separate cover to purchase too.

Work & Volunteering

Perhaps you’re thinking of giving a little back to the locals by working in a paddy field, or you’ve seen an opportunity to earn money by doing a few gigs with your band. A travel insurance policy can cover unpaid and paid work, though the types of jobs covered may differ between insurers. There will also likely be restrictions such as the height at which you can work limited to two storeys and lower.

Short Trips or Long Stays

What’s called ‘single trip’ travel insurance can cover a short getaway of up to around 31 days, but there are also annual policies that cover multiple single trips within the space of 12 months. These save you having to take out cover for each trip, only require one set of paperwork and can sometimes work out cheaper than taking out cover each time you go away. Perhaps most suited to gap year takers is backpacker insurance , which is also known as long-stay or extended-stay insurance. It can cover trips lasting up to six, 12, 18 or 24 months, depending on the insurer. It may also allow you to come home a certain number of times in between travelling, without rendering it invalid.

To make the most out of your travel insurance, remember to take heed of the limitations and restrictions detailed in the PDS. These often are unique to a policy or insurer, so a friend’s could be different.

However, most insurers will not cover trips to destinations where the government has issued a ‘do not travel’ alert. Reasons may include natural disasters, terrorism threats and pandemics. You can find out the status of your destination on the government’s Smartraveller website . It’s best to check the site before purchasing your policy, and again before travelling.

Insurers also often reject claims resulting from disorderly behaviour or intoxication by drink or drugs. If you’re taking part in sports and activities, make sure they are specifically covered in the PDS. There may be restrictions such as needing to wear a helmet, harness or other types of required safety gear, for an insurer to accept any potential related claims you make.

You can choose an insurer’s basic protection with limited benefits, or one of its more comprehensive policies, which should offer a wider range of cover types, and higher cover levels, at a higher cost. Just make sure you have the full amount of protection you need.

The cost of your policy will also depend on factors such as your travel destination, trip duration and any extra forms of cover you may choose to add on. While travel insurers typically don’t offer student discounts, insurance tends to be cheaper for young travellers, as they’re deemed less likely to claim on their policy for expensive medical costs. If you’re still a dependent, and travelling with your family, you may be eligible to be covered under your parents’ policy as some insurers allow this.

A policy’s excess is the set amount you will need to pay on each accepted claim. Rather than an out-of-pocket expense, it’s automatically deducted from a claim amount. In exchange for choosing to pay more in excess, an insurer will typically lower the policy premium, which is the cost of the cover. If you prefer to pay less in excess, your premium will likely be higher.

We ran quotes on the websites of the top three ranking insurers for comprehensive policies based on our research . We used the profile of a 20-year-old travelling to Thailand for 12 months.

Their most basic cover ranged from $776 to $1,493 in price:

Their comprehensive cover ranged from $895 to $2,044 in price:

Travel Insurance Direct and Bupa allows you to choose from several cover levels for trip cancellation on their policies. Allianz only offers this option on its comprehensive policy. Choosing higher cover levels bumps up the cost of the policy.

As most, if not all, travel insurers offer options that suit students on their standard cover, taking out insurance is simply a matter of comparing what they have to offer, and then buying the best policy for you. An easy way to do this is to run quotes on each insurer’s website.

You will need to enter details such as your age, travel destination(s), and trip duration. You will then be able to check the policies each insurer offers to suit your requirements. You may be able to add extra cover, such as for winter sports or gadgets, when entering your details, or after choosing a quote. Once you’ve decided on a policy you can pay for it online.

Does student travel insurance cover illness?

Emergency medical cover is a vital component of travel insurance, covering the cost of treatment for illness and injury you may experience while away.

This cover is crucial for many when travelling as Medicare isn’t available in other countries, and even when a country has a reciprocal healthcare agreement with Australia, there may be exclusions to what it covers including repatriation costs. Without emergency medical cover, you would have to find another way to cover these expenses that can easily reach into the thousands of dollars.

What is a pre-existing medical condition?

Insurers class a pre-existing medical condition as any condition you’ve had from before taking out a policy with them.

Only some insurers cover such conditions, and those that do often charge more for the benefit. You can check if a policy covers your condition in its PDS. On applying for cover, you will need to declare any conditions you have during the medical screening stage for future related claims to be considered.

How do I find cheap student travel insurance?

To find an inexpensive policy, without sacrificing vital cover, it’s important to shop around for insurance. Compare the types of cover included, as well as the cover levels to avoid paying out on benefits you don’t need. You’ll also need to weigh up the policy price and excess payable on accepted claims.

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I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.