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Pre-existing Medical Conditions
Travel Insured's travel protection plans can provide benefits, when eligiblility requirements are met, even if your loss is caused by a pre-existing condition.
Plans that Offer This Benefit
Available
Available
Available
What is a pre-existing condition?
Travel Insured defines a Pre-Existing Condition as an illness, disease, or other condition to any of the following during the "look back" period:
- you or your traveling companion
- your family member
- your business partner
See the Plan Document for the complete definition.
Pre-existing condition exclusion
If a pre-existing condition occurs within the "look back" period, it is excluded from your coverage unless you qualify for the Waiver of the Pre-Existing Condition Exclusion. The "look back" period is the time frame immediately prior to the date your coverage is effective. The exact "look back" period varies by plan.
Waiver of the Pre-Existing Condition Exclusion
In many Travel Insured plans, the Pre-Existing Condition Exclusion can be waived if:
- the plan is purchased within the specific time frame specified in your Plan Document; and
- you are not disabled from travel at the time you pay for the plan.
The Worldwide Trip Protector plans (Platinum, Deluxe, and Essential) normally exclude Trip Cancellations and Trip Interruptions that are caused by a pre-existing medical condition. However, we will waive this exclusion if all of the following conditions are met. Your plan cost and enrollment form for the plan is received within the time sensitive period (see below). You are not disabled from travel at time your plan cost is paid for your plan.
Time Sensitive Periods
The Platinum plan must be purchased within 21 days of the date your initial payment or deposit for your trip is received.
The Deluxe and Essential plans must be purchased within 14 days of the date your initial payment or deposit for your trip is received.
Please review the sample plan documents for your state for the complete definition of a Pre-Existing Medical Condition.
Coverage and benefit eligibility may vary by state. Read your plan document for full details.
Customizing Your Coverage is Easy as 1-2-3
Customizing your next adventure's coverage is easy—just enter your travel dates, destination, and a few quick details to get started. Explore personalized travel protection plans designed to fit your trip and budget, then add a bundle for extra coverage and peace of mind
Enter your travel dates, destination, and a few quick details to get started.
Browse coverage options based on your trip and budget. Each quote is designed to fit your needs.
Select your bundle for added coverage and peace of mind.
Additional Add-on Benefits
Frequently Asked Questions
Find Your Perfect Travel Insurance Match
Trip insurance isn’t one-size-fits-all—because no two trips are the same. The right coverage depends on where you’re headed, how long you’ll be away, and what kind of traveler you are. Whether you’re a senior setting sail on a cruise, a student studying abroad, or planning to travel solo on a high-energy adventure, we make it easy to get a travel protection quote tailored to your journey. Select your traveler type or trip type to explore personalized plans—and discover travel protection to fit your needs, your pace, and your style of travel.
Education Center
Got a trip on the horizon? Let the excitement begin—because planning can be half the fun. Our Travel Insurance Education Center is packed with expert tips, destination guides, and real-world advice to help you plan with confidence and curiosity. Whether you're wondering what trip insurance covers, looking for a solid packing checklist, or just want to learn from other travelers’ stories, our blog and guides are here to make every step easier—and more enjoyable. Start exploring, get a personalized travel protection quote, and get ready for your trip feeling informed, inspired, and ready for anything.
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Do you know what a pre-existing medical condition is and how these conditions may or may not be covered with travel protection? Find out more!
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While Travel Insured International does not allow you to purchase coverage after you've departed, you can purchase last-minute. Available coverage will vary, so we recommend purchasing early!
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Learn more about what medical evacuation travel protection coverage is, how it works, and if it's something you want for your next trip.
This website contains highlights of the plans developed by Travel Insured International, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al, and non-insurance Travel Assistance Services provided by C&F Services and Blue Ribbon Bags (on select plans only). The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured International. P.O. Box 6503,Glastonbury, CT 06033; 855-752-8303; [email protected]; California license #0I13223. While Travel Insured International markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Travel Insured and Travel Insured does not receive compensation from USF for providing the non-insurance components of the plans.