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Pre-Existing Condition
Research Coverage - Pre-Existing Condition
The table below shows you which travel insurance company and plan provides you with the most
comprehensive coverage for the Pre-Existing Condition
coverage element. The table is organized by product and ordered by amount of benefit
provided, coupled with our internal rating system that compares all plans within each
product.
Plan providing the most comprehensive coverage are rated 10 -
and are listed at the top of each section.
Plans with the least amount of coverage are rated 01 -
.
Plans providing no coverage are rated 0 -
.
The rating applies to the Pre-Existing Condition coverage
element and not the plan as a whole. If you see a plan listed more than once, this means
the plan offers different coverage for the residents of the states listed next to
the plan name.
To select another Coverage, select it from the menu on the left of the screen.
The coverage will change to the one selected by you. Remember, you are only 6 quick
questions away from an instant quote and getting prices from all the major travel
insurance providers.
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Pre-Existing Condition
Coverage is provided only if the policy is purchased within a certain number of days after the initial trip payment was made. If you book outside of this range, coverage is not provided for any loss due to injury or sickness (a medical condition) of you or a family member if, during a certain number of days preceding and including the coverage effective date, there was medical care, advice, consultation or treatment received for the condition, or if there was any adjustment of medication for the condition.
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| Total Travel Protection (Per Trip) - provides the most coverage for all aspects of your trip - best overall coverage for all types of travel |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 1 | | | Included (if purchased within 15 days of intial trip payment and insuring full trip cost) |  | | | | 2 | | | Included (if purchased within 15 days of intial trip payment and insuring full trip cost) |  | | | |
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| Cancel for Any Reason (Per Trip) - provides provision that allows you to cancel your trip for any reason |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 3 | | | Included (if purchased within 15 days of trip deposit) |  | | | | 4 | | | Included (if purchased within 15 days of trip deposit) |  | | | | 5 | | | Included (if purchased within 15 days of trip deposit and insuring full trip cost) |  | | | | 6 | | | Included (if purchased within 15 days of intial trip payment and insuring full trip cost) |  | | | |
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| Comprehensive Travel Protection (Per Trip) - provides comprehensive coverage for all aspects of your trip - best overall coverage for all types of travel |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 7 | | | Included (if purchased within 15 days of trip deposit) |  | | | | 8 | | | Included (if purchased within 15 days of trip deposit) |  | | | | 9 | | | Included (if purchased within 15 days of trip deposit) |  | | | | 10 | | | Included (if policy is purchased within 24 hrs of final trip payment) (Washigton residents - before or with final payment) |  | | | | 11 | | | Included (if policy is purchased within 24 hrs of final trip payment) (Washigton residents - before or with final payment) |  | | | | 12 | | | Included (if purchased within 15 days of intial trip payment and insuring full trip cost) |  | | | | 13 | | | Included (if purchased within 15 days of intial trip payment and insuring full trip cost) |  | | | | 14 | | | Included (if purchased within 15 days of intial trip payment and insuring full trip cost) |  | | | | 15 | | | Included (if purchased within 15 days of trip deposit) |  | | | | 16 | | | Included (if purchased within 14 days of trip deposit) |  | | | | 17 | | | Included (if purchased within 14 days of trip deposit) |  | | | | 18 | | | Included (if purchased within 14 days of trip deposit) |  | | | | 19 | | | Included (if purchased within 30 days of trip deposit and insuring full trip cost) |  | | | | 20 | | | Included (if purchased within 14 days of trip deposit and insuring full trip cost) |  | | | | 21 | | | Included (if purchased within 14 days of trip deposit and insuring full trip cost) |  | | | | 22 | | | Included (if purchased within 10 days of trip deposit) |  | | | | 23 | | | Excluded |  | | | |
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| Cheap Travel Protection - for US citizens (Per Trip) - provides economy travel insurance for US citizens while traveling abroad - ideal for students and budget travelers - compare to Comprehensive Travel Protection before buying |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 24 | | | Included (if purchased within 15 days of trip deposit) |  | | | |
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| Airline Ticket Protection (Per Trip) - single trip - ticket protector for non-refundable airline ticket purchase |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 25 | | | Included (if purchased within 5 days of trip deposit and insuring full trip cost) |  | | | | 26 | | | Included |  | | | |
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| International Major Medical Insurance () - provides long-term medical insurance for US citizens while living or working abroad (outside US) |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 27 | | | Same as any other Injury or Illness (if disclosed on application and not excluded or limited by rider) |  | | | | 28 | | | US$50,000 lifetime (maximum of US$5,000 per period of coverage) |  | | | | 29 | | | US$50,000 lifetime (maximum of US$5,000 per period of coverage) Only Avaliable after 24 months of continuous coverage |  | | | | 30 | | | $25,000 after you have been insured continuously for 24 months (if disclosed on application and not excluded or limited by rider) |  | | | |
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| International Major Medical Insurance () - provides long-term medical insurance for US residents (not citizens) while living or working outside their home country |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 31 | | | Same as any other Injury or Illness (if disclosed on application and not excluded or limited by rider) |  | | | | 32 | | | US$50,000 lifetime (maximum of US$5,000 per period of coverage) Only Avaliable after 24 months of continuous coverage |  | | | | 33 | | | US$50,000 lifetime (maximum of US$5,000 per period of coverage) Only Avaliable after 24 months of continuous coverage |  | | | | 34 | | | $25,000 after you have been insured continuously for 24 months (if disclosed on application and not excluded or limited by rider) |  | | | |
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| International Major Medical Insurance () - provides long-term medical insurance for international citizens while traveling outside their home country |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 35 | | | Same as any other Injury or Illness (if disclosed on application and not excluded or limited by rider) |  | | | | 36 | | | US$50,000 lifetime (maximum of US$5,000 per period of coverage) |  | | | | 37 | | | US$50,000 lifetime (maximum of US$5,000 per period of coverage) Only Avaliable after 24 months of continuous coverage |  | | | | 38 | | | $25,000 after you have been insured continuously for 24 months (if disclosed on application and not excluded or limited by rider) |  | | | |
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| International Travel Medical Insurance (Per Trip) - provides emergency medical insurance for US citizens while traveling outside of United States |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 39 | | | Up to $15,000 for Eligible Medical Expenses $15,000 Maximum for Eligible Medical Expenses $25,000 Maximum for Emergency Medical Evacuation Only available to Members under age 70 |  | | | | 40 | | | Up to $15,000 for Eligible Medical Expenses $15,000 Maximum for Eligible Medical Expenses $25,000 Maximum for Emergency Medical Evacuation Only available to Members under age 70 |  | | | | 41 | | | Up to $15,000 for Eligible Medical Expenses $15,000 Maximum for Eligible Medical Expenses $25,000 Maximum for Emergency Medical Evacuation Only available to Members under age 70 |  | | | | 42 | | | Up to $15,000 for Eligible Medical Expenses $15,000 Maximum for Eligible Medical Expenses $25,000 Maximum for Emergency Medical Evacuation Only available to Members under age 70 |  | | | | 43 | | | Up to $15,000 for Eligible Medical Expenses $15,000 Maximum for Eligible Medical Expenses $25,000 Maximum for Emergency Medical Evacuation Only available to Members under age 70 |  | | | | 44 | | | Up to US$15,000 (sudden recurrence of a pre-existing condition) Coverage only outside United States |  | | | | 45 | | | Up to US$15,000 (sudden recurrence of a pre-existing condition) Coverage only outside United States |  | | | | 46 | | | Up to US$15,000 (sudden recurrence of a pre-existing condition) Coverage only outside United States |  | | | | 47 | | | Up to US$15,000 (sudden recurrence of a pre-existing condition) Coverage only outside United States |  | | | | 48 | | | Up to US$15,000 (sudden recurrence of a pre-existing condition) Coverage only outside United States |  | | | | 49 | | | 180 day exclusion |  | | | | 50 | | | 180 day exclusion |  | | | | 51 | | | 180 day exclusion |  | | | | 52 | | | 180 day exclusion |  | | | | 53 | | | 3 years prior to effective date is excluded |  | | | | 54 | | | 3 years prior to effective date is excluded |  | | | | 55 | | | 3 years prior to effective date is excluded |  | | | | 56 | | | 3 years prior to effective date is excluded |  | | | | 57 | | | 3 years prior to effective date is excluded |  | | | | 58 | | | 3 years prior to effective date is excluded |  | | | | 59 | | | $15,000 Per Person ($2,500 for travelers over 65 Years old) |  | | | | 60 | | | $15,000 Per Person ($2,500 for travelers over 65 Years old) |  | | | | 61 | | | $15,000 Per Person ($2,500 for travelers over 65 Years old) |  | | | | 62 | | | $15,000 Per Person ($2,500 for travelers over 65 Years old) |  | | | | 63 | | | $2,500 Per Person |  | | | |
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| International Travel Medical Insurance (Per Trip) - provides emergency medical insurance for US residents (not citizens) while traveling outside of United States |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 64 | | | Up to US$15,000 (sudden recurrence of a pre-existing condition) Coverage only outside United States |  | | | | 65 | | | Up to US$15,000 (sudden recurrence of a pre-existing condition) Coverage only outside United States |  | | | | 66 | | | Up to US$15,000 (sudden recurrence of a pre-existing condition) Coverage only outside United States |  | | | | 67 | | | Up to US$15,000 (sudden recurrence of a pre-existing condition) Coverage only outside United States |  | | | | 68 | | | 180 day exclusion |  | | | | 69 | | | 180 day exclusion |  | | | | 70 | | | 180 day exclusion |  | | | | 71 | | | 180 day exclusion |  | | | | 72 | | | $15,000 Per Person ($2,500 for travelers over 65 Years old) |  | | | | 73 | | | $15,000 Per Person ($2,500 for travelers over 65 Years old) |  | | | | 74 | | | $15,000 Per Person ($2,500 for travelers over 65 Years old) |  | | | | 75 | | | $15,000 Per Person ($2,500 for travelers over 65 Years old) |  | | | | 76 | | | $2,500 Per Person |  | | | |
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| International Travel Medical Insurance (Per Trip) - provides emergency medical insurance for non-US citizens while traveling outside their home country |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 77 | | | Up to US$15,000 (sudden recurrence of a pre-existing condition) Coverage only outside United States |  | | | | 78 | | | Up to US$15,000 (sudden recurrence of a pre-existing condition) Coverage only outside United States |  | | | | 79 | | | Up to US$15,000 (sudden recurrence of a pre-existing condition) Coverage only outside United States |  | | | | 80 | | | Up to US$15,000 (sudden recurrence of a pre-existing condition) Coverage only outside United States |  | | | | 81 | | | 3 years prior to effective date is excluded |  | | | | 82 | | | 3 years prior to effective date is excluded |  | | | | 83 | | | 3 years prior to effective date is excluded |  | | | | 84 | | | 3 years prior to effective date is excluded |  | | | | 85 | | | 3 years prior to effective date is excluded |  | | | | 86 | | | 3 years prior to effective date is excluded |  | | | |
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| International Travel Medical Insurance () - intended for frequent travelers - provides long term emergency medical coverage for multiple trips |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 87 | | | Pre-existing conditions covered (Primary Health Plan is required) |  | | | | 88 | | | Pre-existing conditions covered (Primary Health Plan is required) |  | | | | 89 | | | $5,000 Per Person |  | | | | 90 | | | $5,000 Per Person |  | | | | 91 | | | $5,000 Per Person |  | | | | 92 | | | $5,000 Per Person |  | | | |
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| International Student Health Insurance () - provides comprehensive student health insurance for US citizens while studying abroad (outside US) |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 93 | | | After 12 months of continuous coverage, benefits for Pre-existing Conditions will be provided |  | | | | 94 | | | After 12 months of continuous coverage, benefits for Pre-existing Conditions will be provided |  | | | | 95 | | | Will be excluded for the 1st year |  | | | | 96 | | | Will be excluded for the 1st year |  | | | |
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| International Student Health Insurance () - provides comprehensive student health insurance for US residents (not citizens) while studying outside their home country |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 97 | | | After 12 months of continuous coverage, benefits for Pre-existing Conditions will be provided |  | | | | 98 | | | After 12 months of continuous coverage, benefits for Pre-existing Conditions will be provided |  | | | |
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| International Student Health Insurance () - provides comprehensive student health insurance for non-US citizens while studying outside their home country |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 99 | | | After 12 months of continuous coverage, benefits for Pre-existing Conditions will be provided |  | | | | 100 | | | After 12 months of continuous coverage, benefits for Pre-existing Conditions will be provided |  | | | |
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| Emergency Evacuation (Per Trip) - provides medical evacuation for your next trip |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 101 | | | Covered without restrictions |  | | | | 102 | | | Covered with restrictions (45 day look back period) |  | | | | 103 | | | Covered with restrictions (45 day look back period) |  | | | | 104 | | | 180 day look-back period |  | | | |
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| Emergency Evacuation () - medical evacuation coverage for multiple trips over a period of one year - ideal for frequent travelers |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 105 | | | Covered without restrictions |  | | | |
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| Emergency Evacuation () - medical evacuation coverage for entire year - ideal for expatriates and people working outside of their home country |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 106 | | | Covered without restrictions |  | | | | 107 | | | Covered with restrictions (45 day look back period) |  | | | | 108 | | | Covered with restrictions (45 day look back period) |  | | | | 109 | | | 180 day look-back period |  | | | |
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| Scheduled Major Medical () - provides comprehensive health insurance for US citizens while traveling abroad (outside US) - coverage is limited to a schedule |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 110 | | | $5,000 per Policy Period |  | | | | 111 | | | US$50,000 lifetime (maximum of US$5,000 per period of coverage) Only Avaliable after 24 months of continuous coverage |  | | | | 112 | | | US$50,000 lifetime (maximum of US$5,000 per period of coverage) Only Avaliable after 24 months of continuous coverage |  | | | |
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| Scheduled Major Medical () - provides comprehensive health insurance for US residents (not citizens) while traveling outside their home country - coverage is limited to a schedule |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 113 | | | $5,000 per Policy Period |  | | | | 114 | | | US$50,000 lifetime (maximum of US$5,000 per period of coverage) Only Avaliable after 24 months of continuous coverage |  | | | | 115 | | | US$50,000 lifetime (maximum of US$5,000 per period of coverage) Only Avaliable after 24 months of continuous coverage |  | | | |
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| Scheduled Major Medical () - provides comprehensive health insurance for non-US citizens while traveling outside their home country - coverage is limited to a schedule |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 116 | | | $5,000 per Policy Period |  | | | | 117 | | | US$50,000 lifetime (maximum of US$5,000 per period of coverage) |  | | | | 118 | | | US$50,000 lifetime (maximum of US$5,000 per period of coverage) Only Avaliable after 24 months of continuous coverage |  | | |
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Travel Insurance Terms related to Pre-Existing Condition
Pre-existing Condition - means a medical condition for which medical advice, diagnosis, care, or treatment was recommended or
received during the X months immediately preceding the insured person’s effective date of coverage.
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