Pre-Existing Condition Waivers
Most travel medical plans deny claims tied to a condition a traveler already had, unless bought within a short window of the first trip deposit and the condition is stable. This category tracks providers with clear look-back periods and waiver rules for travelers managing diabetes, heart disease, or other ongoing conditions.
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Fintech offering travel insurance with emergency medical coverage up to £10 million for sudden unexpected illness abroad.
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AIG's Preferred plan waives pre-existing condition exclusions for travelers buying coverage within approximately 15 days of initial payment.
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Nationwide Prime and other travel plans waive pre-existing medical condition exclusions for policies bought within 14 to 21 days of trip payment.
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Established brand with zero-deductible plans and 24/7 medical coordination for pre-existing condition travelers
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Allianz's OneTrip plans waive pre-existing condition exclusions for qualifying purchases made within two weeks of trip deposit.
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25-year veteran serving expats and travelers with international medical coverage across 190+ countries
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Established 2000; licensed brokerage with 25+ years expertise in travel insurance and acute-onset pre-existing coverage
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Waives pre-existing conditions if purchased within 14-21 days of initial trip payment with 60-90 day look-back window
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Founded 1998; customized plans with medical coverage and pre-existing condition waivers across multiple tiers
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Travel protection company offering medical evacuation, emergency medical coverage, and comprehensive trip cancellation programs.
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Service company of Tokio Marine HCC group; Atlas plans cover sudden start of pre-existing conditions
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Travelex's Travel Select plan provides pre-existing medical condition exclusion waivers for policies bought within three weeks of trip payment.
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Arch Insurance division with Pro Plus and Pro plans including pre-existing condition waivers for timely enrollees
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Broker with 20+ years specializing in pre-existing condition coverage for any age, administered by ROCK Insurance Services.
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Aegis founded 1977; Elite plan includes pre-existing waiver if purchased within eligibility window
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Founded 1997; medical protection in 190 countries with pre-existing condition coverage options
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Global travel insurer founded by travelers, offering medical emergency and trip coverage for all destinations worldwide.
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IMG's iTravelInsured plans offer optional pre-existing condition exclusion waivers for eligible travelers who purchase shortly after their first trip payment.
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Established 25+ years, covering high-severity pre-existing conditions including cancer, heart disease, diabetes, and hypertension.
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Carmel, Indiana
Seven Corners' RoundTrip Choice plan includes pre-existing condition waivers when purchased within the required window after trip deposit.
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Founded 2014 by Squaremouth experts; Gold plan waiver if purchased within 21 days of trip deposit
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45-year specialist in visitor and international medical coverage for non-US citizens and inbound family travelers
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Generali's Premium plan removes pre-existing condition exclusions for policies purchased within the plan's designated early-buy window.
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NJ-licensed agency with 20+ years experience comparing 50+ plans including pre-existing condition waivers
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Berkshire Hathaway's ExactCare plans include pre-existing condition waivers when purchased within the required timeframe after initial trip payment.
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Digital-first platform providing 24/7 medical chat, claim management, and coverage for medical issues and travel disruptions.
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Modern nomad and remote worker platform offering global medical insurance for 180+ countries with month-to-month billing
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UnitedHealthcare's international travel line offering emergency medical and travel protection for existing conditions
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Travel insurance broker offering customized policies for individuals and travel organizations with comprehensive multi-risk coverage.
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Florida-licensed broker specializing in visitor and travel insurance plans with pre-existing condition coverage options.
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Founded 2019; all-digital platform with three customizable tiers offering pre-existing condition coverage
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Silicon Valley InsurTech platform offering quote-compare-buy for visitor and travel medical coverage
Frequently asked questions
How soon do I need to buy a policy to get a pre-existing condition waiver?
Most providers require you to purchase your plan within a specific window after your initial trip deposit. This timeframe typically ranges from 14 to 21 days, though some plans allow up to three weeks.
What is a look-back period in travel insurance?
A look-back window is the period of time a provider reviews to determine if your condition was stable before you bought the plan. For example, some providers use a 60 to 90 day window to evaluate your medical history.
Will my insurance cover a sudden flare-up of a condition I already have?
Some plans specifically offer coverage for the sudden start or acute onset of pre-existing conditions. You should check the specific plan details to see if they cover unexpected changes in your status.
Can I find coverage if I'm managing a chronic illness like diabetes?
Yes, several providers in this category offer waivers or specific coverage for travelers managing chronic conditions. You'll need to select a plan that includes a pre-existing medical condition exclusion waiver.