What Happens If You Have a Pre-Existing Condition?
Learn how travel insurance treats existing health issues and what to look for in your coverage
Having a pre-existing medical condition doesn’t mean you can’t get travel insurance. But it does mean you need to pay closer attention to the details of your policy. Coverage for emergency medical care may be limited or excluded altogether if your condition isn’t considered stable before your trip.
This becomes especially important if you have conditions like diabetes, heart disease, asthma, or take medication regularly. You might think about this the next time you book a trip after a recent diagnosis or medication change.
What Is Considered a Pre-Existing Condition?
A pre-existing condition is any medical issue you were diagnosed with or treated for before the date your insurance coverage began. This includes chronic illnesses like high blood pressure or COPD, recent surgeries, prescribed medications, or even symptoms that prompted a doctor visit but haven’t been formally diagnosed.
Most policies define a “stability period” that must be met for your condition to be covered. This period typically ranges from 90 to 180 days before your departure date. During that time, your condition must not have worsened, you must not have had any new symptoms, received new treatment, changed medications, or been hospitalized. If all of that holds true, your condition may be considered stable and eligible for coverage.
Tip: Keep a written record of your diagnosis dates, treatment changes, and medication history. This can help confirm your stability status if a claim is ever reviewed.
How Coverage Is Affected
If your condition meets the stability requirements of your insurance provider, you may be fully covered for any related emergency care during your trip. However, if the condition is considered unstable or you fail to disclose it, coverage for any related incidents may be denied. In some cases, the insurer could void your entire policy.
That’s why honesty and accuracy on your medical declaration is essential. Travel insurance is based on the information you provide. Even if your condition seems minor or well-managed, any undeclared issue could complicate future claims.
Note: Some insurance companies offer specialized plans that include enhanced coverage for pre-existing conditions, often at a higher premium. These can be especially useful for older travellers or those with multiple ongoing health concerns.
How to Get Covered
If you’re managing a medical condition and still want the protection of emergency medical insurance while traveling, here are a few steps to follow:
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Purchase your insurance as soon as possible after booking your trip. Early purchase may qualify you for better coverage options, including those that include pre-existing condition waivers.
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Choose a plan that specifically offers coverage for pre-existing conditions or allows for medically stable conditions within a defined period.
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Disclose everything, even if it feels minor. This includes all doctor visits, medication adjustments, or test results that occurred during the look-back window.
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Ask your doctor to confirm in writing that your condition is stable if you’re unsure.
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Call your insurance provider and get confirmation in writing that your condition is covered under their policy terms.
Caution: A simple change in medication dose within the stability period could disqualify you from coverage. Always speak to your doctor and your insurer before travelling to be sure your condition qualifies.
Having a pre-existing condition doesn’t mean you can’t enjoy your trip. It simply means planning carefully and being proactive about your insurance. With the right coverage, you can travel knowing you’re protected and prepared for whatever comes your way.