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Protect Your Trip with Pre-Existing Condition Waiver Insurance

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Travel insurance for U.S. citizens with trip protection coverage - Highlights

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Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

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Medical evacuation

Transportation to or between hospitals as needed.

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Trip delay

Reimbursement of food and lodging expenses due to delay in travel.

luggage

Lost baggage

Pays sum for lost or delayed luggage by airline.

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Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

What Is a Pre-Existing Condition Waiver?

A Pre-Existing Condition Waiver is a special benefit in travel insurance that helps cover health problems you already had before buying the insurance. Normally, travel insurance won’t pay for anything related to an illness or condition you had before your trip like asthma, diabetes, or heart disease.

But if your plan includes a Pre-Existing Condition Waiver, it means your old health conditions can still be covered during your trip, as long as you follow the rules (like buying the plan soon after booking your trip).

How to Qualify for Pre-Existing Condition Waiver in Travel Insurance?

Not everyone automatically qualifies for a Pre-Existing Condition Waiver you have to meet certain rules set by the travel insurance company.

  • Buy the insurance early - You must purchase your travel insurance soon after booking your first trip payment usually within 14 to 21 days but Some insurers might shorten this to within 10 15 days from your initial trip payment.
  • Insure your full trip cost - You need to cover 100% of your prepaid and non-refundable trip costs under the same policy.
  • Be medically fit to travel - You must be well enough to travel when you buy the policy meaning you aren’t hospitalized or advised not to travel by your doctor.

🌍 Pre-Existing Condition Waiver Insurance Reviews

“ It was a pleasant experience. The representative from American Visitor Insurance was very patient and helpful in addressing all my questions. Thank you for your excellent service. ”

Carol

Carol

“ The online quote process was simple and straightforward. I had a question and got a prompt, friendly reply from the team. ”

Charles

Charles

“ It was very helpful to speak to someone about our policy choices. Your website is relatively easy to use and to navigate to find the information. ”

Rachel

Rachel

🌍 Which is the Best Pre-existing Condition Waiver Insurance Plans?

iTravelInsured Choice Comprehensive

star Rating: A edit_square Underwriter: SiriusPoint America

IMG Itravelinsured Choice is perfect for families traveling within the U.S. or cruising overseas, couples and solo travelers exploring the globe, weekend escapes, business trips, and almost any journey in between.

Key benefits :
  • Pre-exisiting condition exclusion Waiver is covered if purchased within 21 days of intial payment.
  • The plan provides trip cost coverage of up to $10,000.
  • The plan includes emergency medical evacuation coverage of up to $500,000 per person.

iTravelInsured Travel SE Comprehensive

star Rating: A edit_square Underwriter: SiriusPoint America

The iTravelInsured Travel SE plan is our most popular family plan for domestic and international destinations. Travel insurance is available whether traveling on a cruise, tour, or vacation abroad.

Key benefits :
  • Pre-exisiting condition exclusion Waiver is covered if purchased within 20 days of initial trip payment.
  • Travelers can choose trip cost up to $150,000
  • Medical evacuation and Repatriation of Remains covered up to $500,000.

iTravelInsured Travel LX Comprehensive

star Rating: A edit_square Underwriter: SiriusPoint America

iTravelInsured Travel LX you can recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted for a variety of covered reasons. Benefits are also provided for travel delays, baggage delays, and emergency medical treatment while you’re away from home.

Key benefits :
  • Pre-exisiting condition exclusion Waiver is covered if purchased within 24 hours of final trip payment.
  • Travelers can choose trip cost up to $150,000
  • Medical evacuation and Repatriation of Remains covered up to $1,000,000.

Travelex Ultimate Comprehensive

star Rating: A+ (Superior) edit_square Underwriter: Zurich American Insurance Company

Travelex Ultimate Insurance is the most comprehensive travel insurance plan offered by Travelex. It offers premium coverage for trip cancellations, interruptions, delays, lost or damaged baggage, emergency medical expenses, and medical evacuation.

Key benefits :
  • If purchased within 21 days of the initial trip payment and certain conditions are met, it includes a pre-existing condition waiver.
  • Travelers can choose trip cost up to $50,000
  • Medical evacuation and Repatriation of Remains covered up to $1,000,000.
  • Medical coverage covered Up to $250,000 per person.

Pathway Plus Travel insurance Primary

star Rating: A+ (Superior) edit_square Underwriter: Technology Insurance Company or Wesco Insurance Company

Pathway Plus insurance is a reliable and comprehensive travel protection plan designed for U.S. residents traveling both domestically and internationally for trips up to 90 days.

Key benefits :
  • Pre-Existing Condition Waiver: The Pre-Existing Condition Exclusion Waiver is available if the plan is purchased within 14 days of your initial trip payment and you insure the full non-refundable trip cost.
  • Travelers can choose trip cost up to $50,000
  • Medical evacuation and Repatriation of Remains covered up to $350,000.
  • Emergency Medical coverage covered Up to $50,000 per person.

Trip Protection Choice insurance Primary

star Rating: A+ (Superior) edit_square Underwriter: United States Fire Insurance Company

Trip Protection Choice is a premium trip insurance plan designed for luxury travelers taking domestic and international vacations, offering Trip Cost Coverage up to $100,000. It provides robust protection for high-value trips with extensive benefits and flexible coverage options.

Key benefits :
  • Pre-Existing Condition Waiver: The Pre-Existing Condition Exclusion Waiver is available if the plan is purchased within 20 days of your initial trip payment and you insure the full non-refundable trip cost.
  • Pre-existing condition Look-Back Period: 60 days prior to the effective date of the policy.
  • Medical evacuation covered up to $1,000,000.
  • Emergency Medical coverage covered Up to $50,000 per person.

Pathway Premium Travel insurance Primary

star Rating: A+ (Superior) edit_square Underwriter: Technology Insurance Company or Wesco Insurance Company

Pathway Premium is a luxury trip insurance plan designed for both domestic and international vacations, offering Trip Cost Coverage up to $100,000. It provides robust protection for high-value trips with extensive benefits and flexible coverage options.

Key benefits :
  • Pre-Existing Condition Waiver: The Pre-Existing Condition Exclusion Waiver is available if the plan is purchased within 21 days of your initial trip payment and you insure the full non-refundable trip cost.
  • Pre-existing condition Look-Back Period: 60 days prior to the effective date of the policy.
  • Travelers can choose trip cost up to $100,000
  • Medical evacuation covered up to $1,000,000.
  • Emergency Medical coverage covered Up to $100,000 per person.

What is the Key Differences in Travel Insurance benefit Pre-Existing Condition vs Pre-Existing Condition Waiver ?

Feature Pre-Existing Condition Pre-Existing Condition Waiver
Coverage Usually not covered by standard travel insurance Covered, but only if you qualify for the waiver
When It Applies Applies automatically if you have any prior medical condition before the policy start date Applies only when you buy your insurance early (within 14–21 days of booking your trip) and meet the insurer’s conditions
Eligibility Requirements No special requirements it’s simply a health issue that already exists Must buy insurance soon after your first trip payment, insure the full trip cost, and be medically fit to travel
Purpose Identifies health issues that may not be covered by insurance Removes the exclusion so your pre-existing conditions can be covered
Benefit for Travelers limited coverage and increase financial risk if a condition flares up Provides peace of mind and protection for travelers with medical history
Cost No extra cost but uncovered conditions can lead to high expenses Many plans offered by American Visitor Insurance include a Pre-Existing Condition Waiver at no additional cost, provided you buy your policy soon after booking your trip and meet the plan’s terms

What Does Pre-Existing Condition Waiver Travel Insurance Cover?

A Pre-Existing Condition Waiver in travel insurance allows coverage for medical conditions you already had before your trip. With eligible plans, like American Visitor Insurance, it can cover:

  • Medical Emergencies: Treatment, hospital stays, and doctor visits for flare-ups of existing conditions.
  • Trip Cancellation or Interruption: Reimbursement for non-refundable flights, hotels, or tours if a pre-existing condition forces you to cancel.
  • Emergency Medical Evacuation: Transport to the nearest suitable medical facility if needed.
  • Follow-Up Care Abroad: Prescriptions or continued treatment while traveling.

❓Have questions?

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❓Best Pre-Existing Condition Waiver insurance – FAQs

1. What does a Pre-Existing Condition Waiver cover?
  • Medical emergencies and hospital visits related to existing conditions
  • Trip cancellation or interruption due to your condition
  • Emergency medical evacuation
  • Follow-up care or prescriptions abroad
2.Do all travel insurance plans include Pre-existing Condition Waiver ?

No. Only eligible plans, like many offered by American Visitor Insurance, include a Pre-Existing Condition Waiver. You must meet the policy requirements to use it.

3. Is there a specific time to purchase the waiver?

Yes. To qualify, you generally must buy your policy soon after making your first trip payment usually within 14–21 days. Buying early ensures eligibility for the waiver.

4.Does the Pre-existing Condition waiver benefit cost extra?

Most plans, At American Visitor Insurance, include the waiver at no additional cost if you meet the purchase timeline and eligibility rules.

5. Can I add a Pre-ex waiver after purchasing insurance?

No. The waiver must be added at the time of purchase and within the allowed time window.

6. Why Pre-existing Waiver travel benefits is important?

Without a waiver, most travel insurance policies exclude coverage for pre-existing conditions, which can leave you financially responsible for medical emergencies or lost trip costs.

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