Understanding pre-existing conditions and travel insurance

Choosing the right insurance policy for pre-existing conditions, purchasing travel insurance with pre-existing conditions, pre-existing conditions and travel insurance faq, how to get travel insurance with pre-existing condition coverage.

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  • Most travel insurance companies offer waivers for pre-existing stable medical conditions.
  • To qualify for a pre-existing condition waiver, you must buy insurance within a certain timeframe.
  • Keep in mind that not all policies cover pre-existing conditions, so always double-check your policy.

Medical travel insurance is a great way to protect your health and finances when traveling. If you have a pre-existing medical condition, you might assume you can't get coverage. Luckily, many travel insurance companies offer pre-existing condition coverage in the form of a pre-existing condition waiver.

Here's everything you need to know about pre-existing conditions and travel insurance, including how to find coverage options if you have a pre-existing condition.

Most travel insurance companies define pre-existing conditions as a change in your medical record that includes tests, examinations, treatment, or changes in medication. The changes in your medical record usually result in a diagnosis, which becomes a pre-existing condition. But you do not have to receive a formal diagnosis for it to be considered a pre-existing condition.

Travel insurance companies consider medical conditions within a specified look-back period, or length of time. The medical condition must be stable to qualify for a claim. Conditions are stable if you do not need additional treatment, medication, or diagnoses.

But even if your medical condition is stable, you likely need a pre-existing condition waiver to get coverage if it suddenly worsens while you're traveling. 

Travel insurance look-back periods for pre-existing conditions

If you file a claim, the insurance company has a right to review your medical record and ensure that you did not have a condition related to the claim. This process is known as a "look-back" period since the insurance looks back through your records. 

The look-back period usually includes 60 to 180 days before you buy the policy. Before approving your claim, the insurance company wants to determine if the condition already existed.

The insurance company may approve or deny your claim based on what it discovers. To avoid dealing with the risk of denial, you can qualify for a pre-existing condition waiver instead. 

Many travel insurance companies offer coverage for travelers with pre-existing conditions. For example, Tin Leg Travel insurance , listed in our guide on the best travel insurance for best pre-existing conditions coverage, offers pre-existing condition waivers for all its plans except Tin Leg Economy. 

While there are many options for pre-existing condition coverage, the challenge is finding the right one for you. 

Comparing policy terms and benefits

When comparing insurance policies, you should pay attention to the coverage limits for emergency medical and acute onset of a pre-existing condition. You should also assess the time window in which you must purchase insurance to receive coverage for pre-existing conditions. If you've already waited a week before purchasing, you may already be ineligible for a waiver with certain companies. 

You can contact individual companies for quotes or work with a travel insurance comparison site like TravelInsurance.com, SquareMouth, or InsureMyTrip . Comparison sites allow you to review multiple quotes at once. You can usually filter results based on companies that offer pre-existing medical condition waivers. 

Regardless of which company you choose, it's important to understand the policies regarding pre-existing conditions and adhere to the requirements.

With a pre-existing medical condition waiver, you disclose your medical conditions to your insurance provider and ensure that the condition does not impact your ability to file a claim. If you have a waiver, you can even bypass the look-back period.

The waivers are set up through the travel insurance company and should not impact the cost of your policy.

Application process and documentation

You must meet the following criteria to qualify for a pre-existing medical condition waiver:

  • Stable medical condition: Conditions are stable if you do not need additional treatment, medication, or diagnoses. You also need a letter from your doctor tho confirm that you are medically fit to travel on the day of your trip.
  • Get coverage within a certain timeframe: You typically need to establish coverage shortly after you make your first payment towards the trip, but timelines vary by provider. 
  • Coverage must equal nonrefundable costs: If there are nonrefundable parts of your trip, your travel insurance coverage must equal or exceed that amount. 

For example, if you were diagnosed with high blood pressure a few years ago, but the condition has been stable since — your medication manages the symptoms, and you have not needed additional medical support — then you likely qualify for a pre-existing condition waiver. 

Some companies do not provide coverage if you have certain health conditions, such as depression, dementia, or Alzheimer's disease, but it varies based on the provider. The coverage details of your policy depend on the plan you select. But comprehensive travel insurance usually covers baggage delays, trip cancellations, and emergency medical care. 

No, many of the best travel insurance companies offer pre-existing condition waivers, so you can get coverage with a pre-existing condition as long as you buy ahead of time. 

A company can deny your travel insurance claim based on what it discovers in the look-back period if you do not have a pre-existing condition waiver.

Obtaining travel insurance for a pre-existing condition at the last minute is unlikely, as most insurers require purchasing the policy within a set time frame from your initial trip deposit.

Disclose your pre-existing condition during the application process by providing detailed and accurate medical information as required by the insurer.

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What's the Best Travel Insurance for Pre-Existing Medical Conditions?

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You may think that a pre-existing condition means anything you’re being treated for at the time you purchase your travel insurance. The definition is actually broader than that. Allianz Global Assistance defines a pre-existing medical condition as:

An injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of your policy:

  • Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor;
  • Presented symptoms; or
  • Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).

It’s important to know that the illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.

Let’s consider a few scenarios:

  • Sudden, debilitating pain in an arthritic knee forces you to cancel your planned trekking tour of Iceland. Because you consulted your doctor about knee twinges three months ago, it’s considered a pre-existing condition.
  • While sightseeing in Shanghai, you suffer a mild heart attack. Because you were diagnosed with coronary heart disease three weeks before purchasing travel insurance, this is considered a pre-existing condition.
  • You were diagnosed with lupus many years ago, but it’s been in remission. You feel pretty good when you book your cruise to Bermuda, except for some fatigue and a rash. Then the Caribbean sun triggers a serious lupus flare, sending you to the hospital. Because you had symptoms when you booked your trip, this is considered a pre-existing condition.

2. Travel insurance requirements for covering pre-existing medical conditions 

If you’re dealing with a pre-existing medical condition, that does not mean you can’t get travel insurance, or that you shouldn’t travel at all. You just have to read the insurance policy documents very carefully to make sure you meet all the requirements. As Conde Nast Traveler puts it , “it’s best not to make assumptions. Returning home in pain is bad enough. Don’t intensify it by unnecessarily paying thousands of dollars you could use on your next trip.”

Certain Allianz Global Assistance plans can include pre-existing medical condition coverage as long as you:

  • Your policy was purchased within the time frame specified in your plan (usually 14 days of the date of the first trip payment or deposit.) In other words, don’t dawdle! Buy travel insurance as soon as you book your trip, so you don’t forget.
  • Are a U.S. resident.
  • Make sure you’re medically able to travel on the day you purchase the plan. Don’t assume you’re cleared to travel just because you feel OK that day. If you’re living with a chronic condition, or if you’ve recently had surgery or cancer treatment, it’s wise to get written approval to travel from your doctor.
  • On the policy purchase date, insure the full non-refundable cost of your trip with Allianz Global Assistance — including trip arrangements that will become non-refundable or subject to cancellation penalties between the policy purchase date and the departure date. Make sure you include your airfare, hotel reservations, tour bookings and any other nonrefundable costs when you’re insuring your trip. If you incur additional non-refundable trip expenses after you purchase your policy, you must insure them with us within 14 days of their purchase. If you do not, those expenses will still be subject to the pre-existing medical condition exclusion.

3. What’s excluded from travel insurance coverage for pre-existing conditions

While most pre-existing conditions are covered by Allianz Global Assistance travel insurance, there are a few exceptions. Mental and nervous health disorders and normal pregnancy aren’t covered, for instance. If you want to make sure your particular condition is covered, speak with an insurance specialist before you buy.

Also, check the cap on trip costs. For the OneTrip Prime Plan , for instance, the total cost of your trip must be no more than $50,000 per person.

Why Allianz Global Assistance offers the best travel insurance for pre-existing medical conditions 

If you have any kind of chronic health problem, travel insurance can save your vacation — or even your life. The best travel insurance for pre-existing conditions is the OneTrip Prime Plan from Allianz Global Assistance, which includes abundant coverage for covered emergency medical expenses overseas (up to $50,000). You also get emergency medical transportation benefits up to $500,000 to travel to the nearest appropriate medical facility or to return home. This is huge, especially if you suffer from a serious condition that might require advanced treatment. The OneTrip Premier Plan doubles these amounts.

Travel insurance from Allianz Global Assistance also can include trip cancellation and interruption benefits to reimburse you for non-refundable trip payments, in case you have to cancel your travel because of your covered pre-existing medical condition or another covered reason. You also get personalized, one-on-one help in emergencies from our hotline staff. Every day they help travelers who are suffering medical emergencies, lost documents, travel delays and other crises, all around the globe. But, our hotline experts say, the toughest thing they deal with is having to tell a customer who’s seriously ill that their pre-existing medical condition's not covered. That’s why it’s so important to follow the rules and meet the requirements.

Have questions about how to choose the best travel insurance for your covered pre-existing medical condition? Call our travel insurance advisers anytime at 1-866-884-3556. Travel happy!

Related Articles

  • Trip Cancellation Insurance: Covered Reasons Explained
  • When Does Travel Insurance Cover Existing Medical Conditions?
  • Travel Insurance 101: Covered Illnesses

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How To Get Pre-Existing Conditions Covered By Travel Insurance

Updated: Oct 4, 2023, 7:04am

Table of Contents

What is a pre-existing condition for travel insurance, how to get coverage for a pre-existing condition, which travel insurance companies offer coverage for pre-existing medical conditions, pre-existing conditions not eligible for a coverage.

You’re planning a once-in-a-lifetime trip to Europe with your parents to celebrate their 40th anniversary. You know that travel insurance is important in case of a medical emergency, but you’re worried about getting coverage for your father because of his diabetes. You’ve been told that most standard travel insurance policies won’t offer coverage for this and other pre-existing medical conditions unless he meets certain requirements.

While your father’s diabetes is controlled, you know it’s risky to purchase a policy knowing his diabetes might not be covered if he requires treatment while travelling and you need to file a claim.

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Rest assured, there are options for travellers with pre-existing conditions to ensure they are eligible for reimbursement if they encounter health issues during your trip.

In general, a pre-existing condition is defined as any sickness, injury or medical condition that existed before the start of your coverage, whether or not diagnosed by a physician, that you showed signs or symptoms of or received medical attention for.

Each insurance company will have its own requirements, typically of seven, 30, 80, 180 or 365 days, that your condition must remain “stable” or unchanged before your coverage takes effect. This is either the day you leave on your trip (for emergency medical or trip interruption) or the day your policy takes effect (for travel coverage, such as trip cancellation).

While each insurer has its own definition, essentially a medical condition or injury is considered “stable” when all of the following are true:

  • There has been no deterioration of the medical condition.
  • There have been no new symptoms or more frequent symptoms.
  • There has been no change in treatment or alteration of medication.
  • There has been no treatment received, prescribed or recommended by a physician or other registered medical practitioner.
  • There is no pending lab results or diagnostics.
  • There has been no hospitalization or referral to a specialist.

Travel insurance companies normally exclude pre-existing conditions from coverage, which ranks among the most frequent reasons for denial of travel insurance claims. What’s more, you don’t need an official diagnosis from a health care professional to have something designated a pre-existing condition for travel insurance purposes. If your medical record reveals you reported symptoms of a condition that was later diagnosed, that is enough to have that condition deemed ineligible for coverage.

To determine what qualifies as a pre-existing condition, a travel insurance company can review your medical records for the stipulated number of days before the day the policy was purchased. If you had any changes in your medical status during that period, such as a new diagnosis, a decline in health or the addition of new prescription medication, the condition will be considered pre-existing.

For example, say you were diagnosed with and prescribed medication for high blood pressure on January 15 and you plan to take a trip to Mexico on March 19, or 63 days later. Based on your age, your travel insurance provider requires a 30-day stability period before you leave on your trip for your condition to be covered for emergency medical insurance. As long as your symptoms and treatment of your high blood pressure do not change during that time, it should be covered by your medical insurance.

However, if, for example,  you receive a change of dosage of medication, either an increase or decrease, during those 30 days, your condition is now not considered stable and will be ineligible for reimbursement without additional coverage. Keep in mind that you are still eligible for medical treatment if something else happens on your trip even with a medical exclusion. For example, if you fall down some stairs and break your wrist, those medical expenses are covered.

Without pre-existing condition coverage, a travel insurance company won’t pay for medical bills or claims related to your recent medical history if you require emergency treatment due to that condition.

But don’t panic. If you’re looking for travel insurance that offers comprehensive coverage regardless of your medical history, there are several coverage options for travellers with a pre-existing conditions. Keep in mind that not all insurers offer these options.

Pre-existing medical condition waiver : If you purchase your policy within a set timeframe, you insure the full nonrefundable costs of the trip and you’re able to travel on the date of purchase, this waives any pre-existing condition exclusions. There is typically no extra cost for the waiver.

Individual underwriting: Some insurance companies offer a separate and personalized individual underwriting application option where you complete a more detailed medical questionnaire and then the medical underwriter reviews your responses and, if approved, you are provided with  customized travel insurance coverage.

Reduction of stability period: Typically sold as an add-on (also known as an endorsement or rider), this option reduces the amount of time that your pre-existing condition needs to be considered stable before being eligible for coverage. There is typically a maximum benefit amount that is lower than the emergency medical benefit payout. For example, AMA Travel Insurance offers $5 million in emergency medical, but a maximum of $200,000 in coverage for the pre-existing conditions rider.

Pre-existing condition exclusion: A pre-existing condition can push up the price of your insurance significantly. In addition to a reduction of stability period option, Tour+Med offers an innovative Optional Exclusion option where you can  exclude an organ or complete system that’s affected by the pre-existing condition in return for a lower premium. For example, if you have asthma that does not meet the “stable and controlled” conditions, you can choose to have your asthma excluded, which would also exclude the entire respiratory system. So if you were to get sick with bronchitis, that also would not be covered.

Personalized pre-existing conditions packages : Some insurers feature customized packages for travellers (often over a certain age) with coverage for pre-existing medical conditions. Rather than purchase this as an add-on to an existing insurance policy, this is a separate policy, such as Manulife’s TravelEase insurance coverage or RBC Insurance’s TravelCare package.

While pre-existing conditions are an exclusion for all standard travel insurance policies, these travel insurance companies offer the following coverage options:

  • AMA Travel Insurance : Pre-Existing Condition Rider that offers up to $200,000 in emergency medical coverage and reduces the stability period to seven days.
  • BCAA Travel Insurance : Optional Pre-Existing Condition coverage that offers up to $300,00 in emergency medical coverage and reduces the stability period to seven days.
  • Pacific Blue Cross : Optional Pre-Existing Condition Benefit offers coverage for pre-existing conditions and reduces the stability period to seven days.
  • CAA Travel Insurance: Pre-Existing Condition Rider that offers up to $200,000 in emergency medical coverage and reduces the stability period to seven days.
  • Desjardins Travel Insurance : Stable for 3 Months add-on reduces your stability period from 182 days to 90 days.
  • Goose Travel Insurance : Unstable Pre-Existing Medical Condition endorsement shortens your stability period to seven days.
  • Manulife Financial: TravelEase insurance package covers many fully disclosed pre-existing medical conditions with up to $5 million in benefits.
  • Medipac Travel Insurance : Individual Underwritten Application for travellers who do not otherwise qualify for standard coverage.
  • RBC Travel Insurance : For travellers over age 75, the TravelCare package may cover pre-existing conditions, depending on your answers to a medical questionnaire.
  • Scotiabank Travel Insurance : Individual Medical Underwriting Plan for travellers of any age who would like their pre-existing medical conditions covered with no stability requirements.
  • Tour+Med : For travellers under 86 years old, a Reduced Stability Period option reduces the stability period from three months to 30 days before departure (for travellers under age 69) and from six months to 30 days (for travellers 70 to 85 years old). There’s also an Optional Exclusion option to remove an organ or complete system from coverage.
  • Travel Guard : Pre-existing Medical Condition Exclusion Waiver that waives any pre-existing medical condition exclusion if the policy is purchased within 15 days of the initial trip payment, any additional payments are insured within 15 days of purchase and you are medically able to travel when you pay your premium.
  • TravelSafe : Pre-existing Medical Condition Exclusion waiver that waives any pre-existing medical condition exclusion if the policy is purchased within 21 days of the initial trip payment, all prepaid costs are insured and any additional payments are insured within 21 days of purchase and you are medically able to travel when you pay your premium.
  • TuGo : Unstable Pre-Existing Medical Condition add-on that can be purchased in addition to the emergency medical insurance plan that provides coverage for a pre-existing medical condition that was not stable up to seven days before your departure date.

The terms and conditions vary by company, so be sure to read your policy carefully. Most insurers offer a minimum 10-day right to examine period where you can review your policy to ensure it meets your needs and cancel for a full refund if you’re not completely happy.

Even with a waiver or optional endorsement, some conditions likely won’t be covered by travel insurance, such as:

  • Alzheimer’s disease or dementia
  • Anxiety, depression or other mental health disorders
  • Complication-free pregnancy or childbirth
  • Illness or injury related to alcohol or drug abuse
  • Heart conditions treated with nitroglycerin
  • Lung conditions treated with prednisone or prednisolone

In addition, some insurance companies have a list of medical conditions that make you ineligible for coverage, especially over a certain age. For example, travellers over age 55 hoping to get Blue Cross Travel Insurance are ineligible for coverage if they:

  • Have received medical advice not to travel
  • Suffer from a medical condition in a terminal stage
  • Suffer from kidney failure treated with dialysis
  • Have been diagnosed with or treated for metastatic cancer in the last five years
  • Have been prescribed or treated with home oxygen in the past 12 months

The Bottom Line

Be sure to carefully read the fine print of your travel insurance policy (especially the exclusions section) to see what’s covered and what’s not when it comes to pre-existing conditions, or ask your travel insurance agent or broker for help. Also, be aware of the policy’s limits for travel medical insurance and medical evacuation coverage, to avoid any surprises.

Also, even if you’re worried about not being offered coverage due to a pre-existing condition, be sure to answer the medical or health questionnaire completely, honestly and accurately. Most travel insurance companies reserve the right to deny or limit your coverage reimbursement if you are found to have lied or omitted information on your questionnaire.

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Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

halifax travel insurance pre existing conditions

Have pre-existing conditions? What you need to know before purchasing travel insurance

What is a pre-existing medical condition.

  • Hospitalization   
  • Medical procedures or interventions   
  • Changes in prescribed medication   
  • Adjustments to medical treatments   
  • New or more frequent symptoms   
  • Investigations into complications or new symptoms (excluding routine check-ups)  

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Are there travel insurance options if I have a pre-existing condition?

What is an example of a stable versus unstable condition.

  • Stable: You’re told you are doing well    
  • Unstable: Medical tests were ordered  
  • Stable: Is the same dose  
  • Unstable: You have a brand-new prescription or a dose change (even if it’s a decrease)  
  • Stable: Your insulin keeps it under control  
  • Unstable: Your insulin treatment or dose has changed  

Don’t allow pre-existing medical conditions to keep you from travelling

  • All pre-existing medical conditions must be stable within 7 days prior to departure. Certain exclusions, limitations and restrictions apply. 

Does Travel Insurance Cover Pre-Existing Conditions? (2024)

If you have certain types of pre-existing medical conditions and need travel insurance, you may still be able to get coverage. but first, you’ll have to qualify for a waiver..

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Background working with banks and insurance companies

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Updated September 20, 2023

halifax travel insurance pre existing conditions

Table of contents

  • What’s covered
  • Eligibility for waiver
  • Insurance companies
  • How to buy insurance

If you’re planning to take a trip, you need to plan for every eventuality, especially because your health insurance likely won’t cover illness, injury, or emergency medical transport when you’re abroad. [1]

Fortunately, purchasing travel medical and medical evacuation insurance policies can help you (and your traveling companions) get the care you need if you get sick or hurt or experience other types of medical emergencies while traveling.

However, it’s important to note that if you have a pre-existing medical condition, you could be denied coverage unless you qualify for a pre-existing condition waiver. Here’s what you need to know about travel insurance with pre-existing conditions.

Does travel insurance cover pre-existing conditions?

The Centers for Disease Control and Prevention (CDC) recommends that people with pre-existing health conditions get travel medical insurance if they plan to travel abroad, live overseas for more than six months, or participate in dangerous activities, like scuba diving. [2]

However, getting travel medical insurance with a pre-existing medical condition can be tricky. Insurance companies may be more reluctant to offer you coverage since your risk of getting sick or having a flare-up overseas may be higher.

If you have a pre-existing condition and need travel insurance, it’s important to understand what types of coverage may be available and what special terms, if any, may apply. While some plans make exceptions for certain types of pre-existing conditions, you may have to first qualify for a special waiver.

Pre-existing conditions explained

When it comes to travel medical insurance, a pre-existing condition may be defined as an existing health issue or diagnosis, which can include a recent injury or illness or a long-term disease for which you’re receiving medical treatment. [3] It may also be defined as a long-term condition, such as high blood pressure, dementia, or even pregnancy.

In the U.S., under the Affordable Care Act, people with pre-existing conditions can’t be excluded from most types of standard health coverage. However, these same rules don’t apply to travel insurance. [4]

Factors that determine your eligibility for a pre-existing condition waiver

If you have a pre-existing condition, you can benefit from travel medical insurance in the event of an emergency, but you must obtain a pre-existing conditions medical waiver in advance. Without a waiver in place, any claim you file for medical coverage could be denied. This would put you on the hook for costly medical care, treatments, and expenses.

To get a waiver for a pre-existing condition, you’ll need to meet certain eligibility requirements, including:

Being medically cleared to travel

Most travel insurers that offer exclusion waivers require you to be physically able to travel, with no changes to your medical condition for a set amount of time (usually 60 to 180 days). Some travel insurance policies may require medical records, copies of your medical history, or a sign-off by a physician.

Buying your policy within a specific time frame

You must purchase a pre-existing condition waiver within a certain window (typically 14 to 21 days after you’ve made an initial trip deposit or first payment on your trip). Most waivers are good only for the first — and only for one — booking, meaning you can’t reschedule the trip.

Insuring the full cost of your trip

You’ll also likely need to purchase an amount of coverage that’s equivalent to 100% of the non-refundable cost of your trip, including airfare, hotels, and other travel arrangements.

Covered pre-existing conditions

Travel insurance doesn’t typically cover medical treatment for pre-existing conditions without a waiver. But if you qualify for a waiver, any illnesses or injuries that occur during your trip will likely be covered. However, since policies can vary on a case-by-case basis and between travel insurance companies, it’s a good idea to check the fine print of your plan before your trip.

Pre-existing conditions that aren’t typically covered

While many types of pre-existing conditions are eligible for a waiver, most travel insurance companies won’t cover certain medical conditions, including:

Alzheimer’s disease and dementia

Anxiety and depression

Normal pregnancy and childbirth

Conditions related to alcohol and drug abuse

In addition, other circumstances may not be covered, even if they’re medical in nature. For example, a pre-existing medical condition exclusion waiver may not cover a situation such as an accident or illness caused by risky activities, like extreme sports. You also may not be able to get a pre-existing exclusion waiver for trips that are deemed expensive.

Waivers are also only typically available as single-trip policies — meaning you can’t purchase annual travel insurance coverage or multi-trip plans. Your coverage may also have limits. When in doubt, be sure to check with your travel insurance company and review your trip insurance policy’s fine print.

Travel insurance companies that offer pre-existing medical condition waivers

If you have a pre-existing medical condition and need travel insurance, you may be able to qualify for a pre-existing waiver. When comparing options, check the fine print about each travel insurance plan’s waiver requirements, as they can vary widely between companies.

While not all travel insurance companies offer pre-existing medical condition waivers, here are a few to consider:

Seven Corners

Travel Guard by AIG

How to buy travel insurance with a pre-existing condition

If you have a pre-existing condition, here’s how to buy travel insurance:

Gather your options. Shopping around is important. You can check insurance companies’ websites directly or consider using an insurance comparison site to make searching easier.

Review your policy options. Compare each policy’s requirements for waiver eligibility information to find the best travel insurance plan for your needs.

Compare costs from top insurers. Costs can vary between travel insurance plans, so carefully consider the best plan for your budget.

Buy your coverage. Once you find a travel insurance policy that’s a good fit for your pre-existing condition, budget, and travel plans, you’ll need to buy your policy. Most waivers require plans to be purchased within a specific time frame to ensure coverage, so be sure to read the fine print.

Travel insurance pre-existing conditions FAQS

If you have a pre-existing condition, getting travel insurance is still possible. Here are answers to some of the most commonly asked questions that can help guide you in your search for the best travel policy when you have a pre-existing medical condition.

Can you get travel insurance with pre-existing conditions?

Yes. You can get travel insurance with pre-existing conditions. But you may be required to get a special waiver, and some exclusions and special conditions may apply. That’s why it’s important to check the fine print before purchasing a travel policy to ensure coverage.

What is a pre-existing look-back period for travel insurance?

Pre-existing look-back periods are the length of time a travel insurance company may require you to have your pre-existing condition treated or controlled before your travel medical insurance plan’s effective date. Look-back periods are typically about 60 to 180 days, depending on the travel insurance plan.

Does it cost more to purchase travel insurance with pre-existing coverage?

No. Generally, purchasing travel insurance with pre-existing coverage has no extra cost. But to get a pre-existing medical condition waiver, you may have to purchase insurance that covers 100% of your trip.

How do travel insurance companies determine what qualifies as a pre-existing condition?

Travel insurance companies may have different criteria for determining what qualifies as a pre-existing condition, and it’s generally tied to how long you’ve been sick or injured with a condition. But some conditions are generally never exempt, even with a waiver, such as depression or complication-free pregnancies.

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Travel Insurance Guide For Pre-Existing Condition Medical Coverage (2024)

Planning to travel but have a pre-existing condition? Get travel medical coverage with a top provider below.

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Traveling with a pre-existing medical condition can add stress to the trip-planning process, especially if you suffer from a chronic condition that affects your daily life or have symptoms that can influence your plans. While most travel insurance policies exclude pre-existing conditions from medical expenses and evacuation coverage, you may be able to obtain coverage with a pre-existing conditions waiver.

A pre-existing conditions waiver extends your travel medical insurance to include conditions and illnesses present when you enrolled in coverage. This type of coverage is a bit more expensive but can provide you with peace of mind when traveling. Read on to learn more about pre-existing medical conditions travel insurance and which top providers offer coverage.

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What Is a Pre-Existing Condition for Travel Insurance?

Although each travel insurance company has its own definition, a pre-existing condition refers to a medical condition you have before leaving for a trip. Your malady may not have to be formally diagnosed to qualify as pre-existing. You may have a pre-existing condition if you’ve sought treatment, had symptoms or taken medication within a few months before your trip for an injury, illness or medical situation.

For example, say you see your doctor for an annual physical two months before your trip to Spain . At your appointment, the doctor checks your blood pressure and diagnoses you with hypertension. Your doctor prescribes medication to lower your blood pressure. Most travel medical insurance companies consider high blood pressure a pre-existing condition.

Other common pre-existing conditions include:

  • Heart disease
  • High blood pressure
  • Chronic illnesses, such as lupus

Medical travel insurance can be an important protection if you or a loved one plan to travel with one of these conditions — or some other pre-existing medical condition. A pre-existing condition could put you at higher risk of other medical issues. For example, if you have an autoimmune disorder, you’re likely at higher risk of contracting diseases while traveling.

How To Get a Waiver for Pre-Existing Conditions

If you have a pre-existing medical condition, it’s important to purchase travel insurance shortly after making your initial trip payment. Based on our quote collection process, we found that you usually need to be within 10 to 21 days of your first trip payment to qualify for a pre-existing conditions waiver. If you buy your travel insurance after this point, you usually will not qualify for pre-existing conditions coverage.

Depending on the insurance provider, you may need to meet additional conditions beyond your purchase date for pre-existing medical conditions coverage. Additional stipulations you may need to meet include:

  • Trip coverage: In most cases, you’ll need to insure 100% of your trip cost and add medical coverage to your policy to receive a pre-existing condition waiver. This means that policies that offer pre-existing conditions waivers are usually more expensive. However, these policies also include more extensive coverage, which can be helpful in the event of an emergency.
  • Health status: While most travel insurance companies do not require you to undergo a medical exam before buying coverage like with life insurance, your health condition can still play a role in your ability to qualify for a waiver. You might need to answer a health questionnaire before purchasing coverage, or you may need to list any medical diagnoses within the previous 60 to 90 days. If you have a major medical condition with active symptoms, like cancer or Alzheimer’s disease, you may be denied coverage.

If you qualify for coverage, your insurance provider will include the waiver with your coverage at no additional cost. Be sure to review the details of your coverage after you’re approved so you fully understand the terms and conditions.

How To Qualify for a Pre-Existing Medical Condition Exclusion Waiver

To qualify to get a pre-existing conditions waiver, you’ll need to meet a few conditions related to the policy-buying process and determine the right coverage for your health.

You cannot purchase travel insurance that covers pre-existing conditions at any time — most policy providers require you to be within 14 to 21 days of your initial trip deposit to qualify. For this reason, we suggest you consider travel insurance as you’re comparing other travel bookings like hotels, airfare and event tickets. This will allow you to purchase insurance shortly after booking, giving you access to more policies with coverage for pre-existing conditions.

Choose the Right Plan

Next, compare the coverages included with each policy offered by your preferred travel insurance provider and identify those that include pre-existing conditions waivers. Most travel insurance companies limit waivers to policies with more inclusive coverage terms and 100% cancellation insurance. If a provider does not offer pre-existing conditions coverage, request quotes from a different company.

Review Coverage Limitations

If you qualify for a pre-existing conditions waiver, your insurance provider will include it under your coverage terms. Review your coverage and any excluded conditions. Contact a representative from the insurance company if you have questions about coverages and limitations.

Documentation Needed for a Pre-Existing Conditions Waiver

Depending on your coverage provider, you may need to submit a letter from your doctor confirming you’re medically fit to travel. This is especially true if you need coverage for a chronic condition under control by medication or if you’ve recently had corrective surgery. Documentation requirements vary by provider, so be sure to review your specific coverage terms to learn more.

Travel Insurance Companies That Cover Pre-Existing Medical Conditions

Not every travel insurance provider offers pre-existing conditions waivers and those that do have varying policies regarding the timeline for enrollment in order to qualify. The following are a few of our recommended travel insurance providers covering pre-existing conditions and how you can qualify for coverage.

  • Nationwide: Nationwide offers customers an option to qualify for pre-existing conditions coverage across multiple plans. While many insurance providers limit pre-existing conditions waivers to only the most expensive policy, Nationwide allows you to qualify for pre-existing conditions coverage 10 days from your initial purchase with the Essential Policy. You may also qualify up to 21 days after your initial trip payment with the Prime Plan. Read our full review of Nationwide travel insurance .
  • Trawick: Trawick offers six unique policies with the option to include coverage for pre-existing conditions, which is more than most other providers. This range of options can make Trawick a strong choice for customers looking to customize their coverage. You must add coverage no more than 14 to 21 days after your initial trip payment, depending on your selected plan. Read our full review of Trawick travel insurance. 
  • Seven Corners: To qualify for pre-existing coverage with Seven Corners, you’ll need to opt for the Trip Protection Choice, which includes benefits like 150% trip interruption coverag e and up to $2,000 in trip delay benefits. You must buy this coverage no less than 20 days after your initial trip payment. Read our full review of Seven Corners travel insurance .
  • Generali Travel Insurance: While Generali does not offer the longest purchase period for pre-existing conditions, travelers looking for concierge-level benefits may want to consider the company. To qualify for a pre-existing condition waiver, you must be within 24 hours of your initial trip payment, which means most shoppers will need to consider insurance as they’re actively planning a vacation to qualify. Read our full review of Generali travel insurance .

Types of Travel Insurance for Pre-Existing Conditions

There are four main types of travel insurance:

  • Trip cancellation
  • Baggage coverage
  • Medical travel insurance
  • Cancel for any reason (CFAR) coverage

Trip Cancellation Insurance

Trip cancellation insurance is a type of travel insurance that helps cover nonrefundable costs if your trip gets canceled due to an unexpected or uncontrollable event. For example, a trip cancellation policy might cover nonrefundable costs if you find out right before your trip you’ve been summoned for jury duty. Or, say you have to cancel a trip due to an unexpected storm that interrupts your flight. Travel insurance will reimburse you for the flight and any corresponding lodging costs.

Trip cancellation insurance usually does not cover changes in pre-existing medical conditions. If your arthritic knees cause pain that makes you cancel your trip two weeks out, the insurance company may deny your claim. However, you may qualify for a pre-existing condition waiver to use for trip cancellation coverage.

Baggage Coverage

Baggage insurance generally covers the loss, theft, delay, or damage to baggage and personal belongings while traveling. For instance, your luggage is stolen from your hotel room while you’re at dinner. Depending on your policy, your baggage insurance could help pay to replace necessary items, like clothing and shoes. Other policies will ensure the full value of items in your bags, with certain restrictions.

Baggage insurance can offer peace of mind that you can replace your belongings if they’re lost, stolen, or damaged. Pre-existing conditions don’t affect baggage insurance coverage.

Medical Travel Insurance

Medical travel insurance is one of the most common types of travel insurance. A medical travel policy helps pay for emergency medical care when traveling. Say you fall ill with a fever and need to go to the emergency room while abroad. Your medical travel insurance generally covers the cost of treatment up to your plan’s limits.

If you’re considering travel health insurance plans and have a pre-existing condition, you’ll want to carefully read the fine print of your policy. In most cases, you’ll need to obtain a pre-existing conditions waiver before traveling. Without a waiver, your policy may not cover medical expenses you incur while traveling.

Cancel for Any Reason Insurance (CFAR) Coverage

With a few exceptions, CFAR travel insurance lets you cancel a trip for a partial refund of prepaid, nonrefundable expenses outside the reasons listed in your policy. Common reasons to use a CFAR policy include a family member getting sick, fear of illness at your destination or your new passport doesn’t arrive in time to travel. Unlike regular trip cancellation or medical travel insurance, CFAR coverage does not require a pre-existing conditions waiver for coverage. That means if your chronic condition flares up before your trip and you decide to cancel within the effective date of coverage, you could get a partial refund (typically between 50%-75%) of your nonrefundable trip expenses.

Although CFAR coverage is a good way to secure pre-existing medical insurance for travel cancellation or interruption, it’s not usually offered as a stand-alone policy. You typically have to add CFAR coverage to your standard travel insurance policy for an extra cost.

How Much Does Travel Insurance for Pre-Existing Conditions Cost?

Generally, adding pre-existing conditions coverage will not increase your policy cost if you qualify for a waiver. Based on our research, a travel insurance policy costs between $160 to $300 , depending on your chosen coverage and provider. In our review, we found that the average couple will pay about $221 for a travel insurance policy from one of our recommended travel insurance providers.

How To File a Pre-Existing Medical Condition Travel Insurance Claim

If you have to file a travel insurance claim for a pre-existing condition that your policy covers, you can improve your chances for reimbursement with strong documentation. Whether you must cancel your trip at the last minute or you need coverage for an emergency room visit while on vacation, the process of filing a travel insurance claim is generally the same. The claims process typically looks like this:

  • File your claims form, which will commonly ask for your name, policy number, the reason for the claim and other important details.
  • Submit your claims form with all necessary documentation, such as a doctor’s note, flight delay or baggage notices, police reports, and any other related documents.
  • Your travel insurance company reviews your claim and supporting documentation. The insurance company may request more details or documents supporting your claim.
  • If the company approves your claim, you’ll receive reimbursement, up to your policy limits.

The claims process is straightforward, but missing documents or lack of evidence could lead to the insurer denying your claim. Having the right documentation is more important if you’re filing a medical claim and have a pre-existing condition. The insurance company will want to confirm you have a pre-existing condition waiver on file before approving a claim. The company likely will ask for specific written documentation relating to your claim from a doctor.

For example, say you have a respiratory disorder managed by daily medication and receive a pre-existing condition waiver for a trip. While traveling, you get into an accident requiring emergency medical care. When you file a claim for medical travel insurance, you’ll want to make sure you have the right documents, including:

  • Proof of your trip and insurance
  • Written documentation from your attending physician
  • Copies of your medical file and bill from the emergency care

Frequently Asked Questions About Travel Insurance for Pre-Existing Conditions

Can you get travel insurance with pre-existing conditions.

Yes, you can get travel insurance with pre-existing conditions. The key to getting travel insurance coverage with a pre-existing condition is to apply for a pre-existing conditions waiver or exclusion waiver. This waiver includes notice from your doctor that you’re fit to travel and prevents the travel insurance company from using your pre-existing condition to exclude you from coverage.

What is a waiver of lookback in travel insurance?

A waiver of lookback is another name for a pre-existing conditions waiver for travel insurance. The lookback period of a travel insurance policy refers to the time before the trip in which the insurance company might look back at your medical history if you file a claim.

For example, say you have an unexpected medical condition that forces you to cancel your trip. You file a claim for trip cancellation insurance and your insurance company can review your past medical records (usually up to 60 to 180 days, depending on the policy). If the company finds a record of your pre-existing condition, such as a doctor’s visit to change medications, it could deny your claim. A waiver of lookback prevents the insurance company from doing this.

What counts as a pre-existing condition?

Every travel insurance company defines pre-existing conditions differently, but there are a few common factors. A pre-existing condition for travel insurance usually refers to any medical condition, illness or injury that you have before your trip. You may not have to be diagnosed for the condition for it to be considered pre-existing. But if you seek treatment for a condition, take medications or suffer symptoms, then it’s usually considered pre-existing.

What is the difference between a pre-existing condition and a chronic condition?

Pre-existing conditions are any injury, illness, or medical condition that existed before you sought insurance. A chronic condition is different. Chronic conditions are ongoing health conditions or illnesses that are long-term. Doctors manage chronic conditions with medication or regular treatments, but these conditions aren’t curable. For travel insurance, almost all chronic conditions are considered pre-existing conditions.

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

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What to Know Before Buying Travel Insurance for Cancer Patients

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Table of Contents

Can travel insurance cover people with cancer?

Who needs a pre-existing medical condition waiver, how to choose among travel insurance companies, companies that offer travel insurance with cancer coverage, other tips for getting insurance for your trip, travel insurance for cancer patients recapped.

Most plans with pre-existing medical condition coverage require purchase within 20 days of an initial trip deposit.

Generally, non-emergency care and/or expected complications as a result of your diagnosis won’t be covered.

Different companies sell plans with different coverage limits. Read the fine print.

Finding the best travel insurance for your trip can be tricky, even more so if you’re planning a trip and have a pre-existing medical condition like cancer, as some plans don’t cover issues that might arise as a result of this diagnosis (or may limit coverage to specific situations).

Fortunately, you can still enjoy the peace of mind that travel insurance offers, even if you have a medical condition.

Here’s what to know about travel insurance for cancer patients, including what it covers, how it works and which insurance companies have suitable plans.

» Learn more: What to know before buying travel insurance

Travel insurance protects against financial losses and other risks from unexpected events that occur when traveling. Policies cover the expenses and inconveniences incurred from delayed flights, canceled reservations, lost or delayed luggage, injuries and even illness.

That said, not every illness is covered, as not every policy offers protection for those with pre-existing medical conditions.

Within the umbrella of coverage for pre-existing medical conditions, cancer patients are wise to scout out policies that cover cancer-related treatment during a trip. In the off chance that you need unexpected care because of your condition — or perhaps you need to cancel your trip or cut it short due to medical reasons — you want to be able to be reimbursed for all the payments you've made so far.

Most of the time, non-emergency care and/or expected complications that are a result of your diagnosis won’t be covered.

Without coverage for pre-existing medical conditions, companies will not likely reimburse you for emergency expenses, medical care, last-minute flights home or any other trip interruptions/cancellations due to your medical status.

Understanding how this sort of coverage works is important because not every traveler qualifies for a pre-existing medical condition waiver when it comes to obtaining travel insurance with cancer.

Requirements vary from one insurance company to another, so always make sure to read the fine print and details of your particular policy before purchasing.

But in general, you’ll likely need to meet at least one of these conditions:

You’ve had to seek medical care and/or received a diagnosis or treatment within a certain number of days before purchasing your policy.

You’re taking doctor-prescribed medication.

You’ve exhibited symptoms.

As far as the policy itself is concerned, a few more limitations may apply to qualify for the waiver, such as:

Your policy must cover the full purchase cost of your trip.

You bought your policy within a certain number of days of making your first paid booking or reservation (the exact number varies from company to company).

You were OK to travel, medically speaking, when you purchased the policy. 

» Learn more : Can I get travel insurance for pre-existing medical conditions?

When it comes time to purchase a travel insurance plan, start by comparing options from multiple companies. If in doubt, reach out to the company’s customer service team for clarification. Each company is different and has different requirements and limitations.

» JUMP to learn more about companies to consider

Once you've generated a quote, peruse individual plans from each company, focusing primarily on the details of pre-existing condition coverage. Also consider other helpful protections like cancellation coverage, trip delay or interruption coverage, lost luggage insurance and more.

When comparing policies, pay attention to coverage amounts to make sure what’s offered is enough to bring you peace of mind.

Make sure to start your search for travel insurance early, ideally within a few days of making your first booking, since pre-existing condition waivers often require early purchase — if you don’t buy a plan within a set amount of time (usually 14-20 days) after your initial trip booking, you may not qualify.

» Learn more: Trip cancellation insurance explained

To compare plans, we searched for coverage for a 45-year-old traveler from New York planning a weeklong trip to Portugal.

Travel Guard by AIG

insurance-product-card-logo

  • Offers last-minute coverage.
  • Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
  • Plan available for business travelers.
  • Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
  • Trip interruption coverage doesn't apply to trips paid for with points and miles.

NerdWallet analysis found Travel Guard by AIG offers top-notch coverage for travelers with pre-existing medical conditions.

Provider overview:

A pet bundle may be available as an upgrade if you’re traveling with a furry companion.

Cancel For Any Reason coverage is offered as an optional add-on, but only for some plans, and it only covers 50 percent of your trip cost (versus the more typical 75%).

» Learn more : AIG Travel Guard insurance review: What to know

Allianz Travel

insurance-product-card-logo

  • Annual or single-trip policies are available.
  • Multiple types of insurance available.
  • All plans include access to a 24/7 assistance hotline.
  • More expensive than average.
  • CFAR upgrades are not available.
  • Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

For pre-existing conditions to be covered with Allianz Travel plans, you’ll have to purchase one within 14 days of your first trip-related payment.

Most plans include pre-existing medical conditions automatically.

Emergency medical transportation is a separate benefit from emergency medical, which may be beneficial if costly air or ground transport is required to get you to a hospital.

Plans include coverage to help cover redeposit fees if you booked travel with points or miles and had to cancel travel for a covered reason. 

Emergency medical coverage is low, comparatively speaking, considering the cost of plans.

» Learn more : Allianz Travel insurance review: Is it worth it?

Seven Corners

insurance-product-card-logo

  • Annual, medical-only and backpacker plans are available.
  • Cancel For Any Reason upgrade is available for the cheapest plan.
  • Cheapest plan also features a much less costly Interruption for Any Reason add-on.
  • Offers only one annual policy option.

With high coverages for accident and sickness medical expenses in a premium plan, this insurance is a good option for those worried about bills they may rack up if they need to seek medical care abroad. You will need to purchase coverage within 20 days of your first trip booking to qualify for pre-existing condition coverage.

Provider overview :

Offers an annual multi-trip plan that includes coverage for pre-existing conditions after it’s been active for 60 days.

Several other plans offer coverage for pre-existing conditions automatically: Trip Protection Elite, Trip Protection Choice and Trip Protection U.S.A.

Cancel For Any Reason coverage is also available as an add-on with the Trip Protection Elite plan.

More budget-friendly economy plans don’t include pre-existing conditions waivers or CFAR upgrades.

» Learn more : Seven Corners travel insurance review: Is it worth the cost?

Travelex Insurance Services

insurance-product-card-logo

  • Top-tier plan doesn’t break the bank and provides more customization opportunities.
  • Offers a plan specifically for domestic travel.
  • Sells a post-departure medical coverage plan.
  • Fewer customization opportunities on the Basic plan.
  • Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

While Travelex Insurance Plans plans that cover pre-existing conditions may be more expensive than some of the options listed here, plans tend to be comprehensive. Plus there are plenty of add-ons available that may help build the perfect protection for you and your trip. You must purchase your policy within 15 days of your first travel booking and payment (three days for US-based travel).

Children accompanying you on your travels are included in the pricing of the Travel Select plan.

You have the option to double your medical coverage with a Medical Expense Coverage upgrade.

You can upgrade your plan to include an adventure sports package.

Not all policies include coverage for pre-existing conditions.

» Learn more : Travelex travel insurance: What to know

Before you start packing, here are some other tips for procuring travel insurance for those with cancer:

Check to see if you already have a credit card that offers trip insurance . While your pre-existing condition may not be covered via your card, you could potentially pair your card's existing coverage with a more basic/economy third-party plan that includes pre-existing conditions coverage.

Even if you don’t have the whole trip booked and paid for, make sure you purchase coverage in the amount of everything you’ve paid for so far within the purchasing window for pre-existing coverage. If you make more reservations later, you’ll have to update your policy coverage amount at that time, usually within a set amount of days. Read your policy info for time limits.

Choose the best policy for you based on not just the policy cost, but also what you need and what is covered.

If you have cancer, travel insurance can seem complicated. Indeed, it’s important to make sure the coverage you select will take care of you should you need it. As long as you understand the requirements of selecting a plan and what it does and doesn’t cover, you can still find a policy that works for you.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

halifax travel insurance pre existing conditions

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halifax travel insurance pre existing conditions

The three best bank accounts with travel insurance bolted on: We pick our favourites and whether they're worth paying for

  • Some bank accounts include annual worldwide travel insurance
  • They often also include car breakdown cover and mobile phone insurance 
  • Although there is a monthly cost, having such an account may make sense

By Ed Magnus For Thisismoney.co.uk

Updated: 03:28 EDT, 9 August 2022

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Many Britons will feel a bank account isn't something they're prepared to pay for - after all, most current accounts are 'free'.

However, some packaged bank accounts offer a host of benefits that added together could justify their monthly cost.

The typical perks include free annual worldwide travel insurance, car breakdown cover and mobile phone insurance, often with family members included. 

There is also the convenience factor of having three insurance policies taken care of saving both time and effort in having to organise it separately. 

Some bank accounts charge a monthly fee, but throw in perks such as annual worldwide travel insurance.

Some bank accounts charge a monthly fee, but throw in perks such as annual worldwide travel insurance.

Michelle Stevens, banking expert at comparison site Finder, says: 'If you and your family are frequent travellers, then a current account with packaged travel insurance could be well worth the monthly fee, especially given the rising cost of travel insurance premiums in the last two years. 

'But before signing up to any premium current account, it’s important you check that the terms of the travel insurance policy - as well as the other account features and perks - suit your needs.' 

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She adds: 'Another benefit of getting free travel insurance with a current account is that a lot of people usually forgo it - up to 8.6million in 2019 - which is not an advisable move. 

'If you get seriously injured abroad then the bill can reach hundreds of thousands of pounds, so having travel insurance included with a current account may result in a lot of people getting covered who may not have done so otherwise.'

We pick our three favourite current account deals for travel insurance, taking into account the monthly cost and the additional perks on offer.

1.  Nationwide Flex Plus  

This account offers worldwide travel insurance as well as mobile phone and European breakdown cover.

It does come with a £13 monthly charge, which, compared to other packaged bank accounts looks relatively cheap.

Its worldwide family travel insurance, includes winter sports, golf, weddings and business cover.

Nationwide offers worldwide travel, mobile phone and European breakdown cover and charges £13 a month for maintaining the account.

Nationwide offers worldwide travel, mobile phone and European breakdown cover and charges £13 a month for maintaining the account.

Cover for travel essentials includes luggage, documents and cash as well as protecting against travel-specific problems like delays, cancellations and medical expenses.

Then cancellation cover is up to £5,000, the medical expenses cover up to £10 million, whilst cover for travel disruption will be eligible when caused by natural disasters, or airline or travel end supplier failure.

The policy doesn't cover medical conditions unless they have been declared to Nationwide and accepted. In some instances, you can pay for a medical upgrade to your insurance policy.

Two other clauses to be aware of is that the longest trip length allowed is 31 consecutive days. 

For any person to be insured who is aged 70 or over, they must buy an age upgrade to cover them.

Although the monthly cost will add up to £156 a year, it's possible to offset much of this during the the first year, thanks to Nationwide's current account switching incentive.

Non-Nationwide members can currently get £100 for switching, whilst members who switch to the Flex Plus account could get £125.  

Saves the extra admin: Nationwide's annual travel insurance policy is worldwide, and covers a whole family for multiple trips, not just the individual account holder.

Saves the extra admin: Nationwide's annual travel insurance policy is worldwide, and covers a whole family for multiple trips, not just the individual account holder.

On top of travel insurance, account holders get vehicle breakdown cover both in the UK and the rest of Europe and mobile phone insurance for the whole family.

The car insurance is valid whether someone is a driver or a passenger in a vehicle, and comes with no excess to pay and unlimited callouts.

The mobile insurance covers mobiles belonging to the account holder and those belonging to their partner and dependent children. It covers for loss, theft, damage and faults.

2.  Virgin Money's Club M Account

Virgin's Club M Account comes with a £14.50 monthly charge.

Similar to Nationwide, it offers 31 days' worldwide cover per trip. It will cover the account holder and a partner living with them if there're both under 75, so it's a little more generous on that front.

Virgin's worldwide family multi-trip travel insurance - includes winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

Virgin's worldwide family multi-trip travel insurance - includes winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

There's also cover for up to four dependents under 18 - either in full time education or living with the account holder.

Emergency medical treatment, includes falling ill with coronavirus while away, and cover for the journey home, if it's medically necessary.

It also covers lost, damaged or stolen items, and if the baggage is delayed, any essentials will be paid for in the interim period. It also includes cover for delays or missed departures and winter sports as standard.

Account holders are also covered when cancelling or cutting short a trip if they fall ill with coronavirus as long as they didn't know they had it and weren't being tested for it when they booked their trip. 

The cover includes emergency medical, surgical, hospital, treatment and ambulance costs, as well as any additional accommodation and travel expenses if someone cannot return to the United Kingdom.

There is a maximum allowance of 31 days of worldwide cover per trip.

It covers the account holder and their partner living with them if they're both under 75. There's also cover for up to four dependents under 18. 

A claim will be void if it relates to any medical treatment received because of a medical condition or an illness related to a medical condition which a person knew about at the time of opening the account. 

What else? 

On top of the travel insurance it also offers UK breakdown cover with no call out charges, whether as the driver or the passenger and offers help at the roadside and at home.

It also offers worldwide mobile phone and gadget insurance covering against loss theft, damage, and breakdown

Just make sure you've declared any pre-existing medical conditions and don't leave your valuables unattended to be fully covered.

halifax travel insurance pre existing conditions

Its Worldwide family multi-trip travel insurance - including winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

Virgin current account holders also benefit from various other perks.

It offers access to an easy-access linked savings account paying 1.71 per cent on balances up to £25,000. C ustomers can also benefit from 2.02 per cent on balances up to £1,000 in their bank account.

New customers switching to the Virgin Money Club M Account can also receive a bonus of 20,000 Virgin Points to spend with Virgin Red, thanks to Virgin Money's latest current account switching offer.

Virgin Red is a rewards club that turns everyday spending into points. Once you are a member, you can earn and spend Virgin Points across almost 200 different rewards.

The 20,000 Virgin Points boost means travellers could get a return flight to Barbados, the Bahamas or St Lucia, while bakery enthusiasts could turn their points into 100 sausage or vegan sausage rolls, 61 coffees or teas or 100 doughnuts or muffins.

3.  Halifax Ultimate Reward Current Account  

Halifax Ultimate Reward current account costs £17 per month, the equivalent of £204 per year. However, there are ways to dramatically reduce this via its cashback and switching offers.

The account includes a family travel insurance policy for the account holder, their spouse or partner and children aged 18 or under, or up to 24 if they're in full time education. 

It includes cover for personal belongings, certain sports and activities such as winter sports golf trips.

At £17 a month Halifax is the most expensive of our three top picks. However, its £150 cash incentive and £5 monthly cashback could help account holders to significantly reduce the cost.

At £17 a month Halifax is the most expensive of our three top picks. However, its £150 cash incentive and £5 monthly cashback could help account holders to significantly reduce the cost.

Its cover includes, up to £10million for hospital fees, repatriation, medical confinement, funeral and dental costs incurred if taken ill or injured on your trip. 

Up to £5,000 in total for loss of pre-paid travel and accommodation expenses in the case of cancellation or curtailment. 

It covers personal baggage up to £2,500 if it is lost, damaged or stolen. This includes up to £500 for valuables, and up to £500 for a single item or pair or set of items.

It also covers personal money up to £750 for loss, or theft. This includes up to £300 cover for cash. This is limited to £50 for under 16s.

Watch out: 

Existing medical conditions are not covered, unless these are agreed with the insurer first, and an additional premium may be payable.

The longest trip length is 31 consecutive days. For winter sports, a maximum of 31 days cover in a calendar year.

Halifax's travel insurance covers personal Baggage up to £2,500 if it is lost, damaged or stolen.

Halifax's travel insurance covers personal Baggage up to £2,500 if it is lost, damaged or stolen.

It's also worth noting that a £75 excess per adult per incident may apply and to be covered trips must start and end in the UK.

All cover ends when the account holder turns 71. As long as the account holder is less than 71, their spouse or partner will also be covered until they reach 71. 

Eligible children can also be covered so long as they are travelling with the spouse, partner or civil partner of the policyholder. 

What else: 

It also offers car breakdown cover with the AA. This covers any vehicle the account holder is travelling in, at the roadside or at home. But only in the UK. 

For mobile insurance, it covers breakdown, accidental damage, loss and theft up to £2,000. 

However, it only Covers one phone per account holder or two in the case of a joint account. An excess of £100 is payable on all successful claims.

The £17 fee makes it a little more expensive than a few others but there are ways to reduce the cost.

Halifax is currently offering a £150 switching incentive for those who switch from another current account.

On top of the £150 bribe there are other perks to take advantage of. There is a choice of £5 a month paid into the account, two film rentals or three magazine rentals, or a free cinema ticket each month.

In order to benefit from this account holders must choose to either Spend £500 on their debit card each month or Keep at least £5,000 in the account at all times.

They must also pay in £1,500 or more into your account each month and stay in credit - keeping your balance at £0 or above.

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Chase Bank will pay £1% cashback on spending for the first 12 months . Customers also get access to an easy-access linked savings account paying 3.8% on balances up to £250,000. The account is completely free to set up and is entirely app based. Also no charges when using the card abroad.

Lloyds Bank

Nationwide's FlexDirect Account offers 5% in-credit interest to new joiners when they switch on balances up to £1,500. This rate only lasts for one year. The account is fee free.

Natwest

Halifax Reward Account pays £150 when you switch. Also earn up to an extra £75 cashback when you spend £750 each month for 3 months. There is a £3 monthly account fee, but that’s stopped by paying in at least £1,500 each month.

halifax travel insurance pre existing conditions

First Direct will give newcomers £175 when they switch their account . It also offers a £250 interest-free overdraft. Customers must pay in at least £1,000 within three months of opening the account.

Nationwide

NatWest's Select Account account pays £200 when you switch. The account has no monthly charges, but to be elligible for the £200, you'll need to deposit £1,250 into the account and log into mobile banking app within 60 days.

Barclays

Share or comment on this article: Best bank accounts with travel insurance included

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halifax travel insurance pre existing conditions

What to Look Out For When Buying Travel Insurance

T ravel insurance is an essential element of trip planning that can protect you from a variety of unexpected events that may happen before or during your trip.

These can range from trip cancellations and delays to medical emergencies. However, not all travel insurance policies are created equal, and important factors must be considered to ensure you're adequately protected.

Travel Insurance Tips

Provider trustworthiness and policy coverage.

First, it's essential to choose a reliable insurance provider. Companies such as United Healthcare travel insurance have established reputations and provide a range of coverage options to suit different needs.

Look for a provider with a strong history in the insurance industry and positive reviews from customers.

When assessing policy coverage, you should ensure it includes at least medical expenses, trip cancellation or interruption, and baggage loss or delay.

Additional coverage may be necessary based on your specific travel needs. For instance, you may need coverage for extreme sports if you plan on skiing or bungee jumping .

Check the Limits and Excess

Policy limits and excess are two critical factors when purchasing travel insurance.

The policy limit is the maximum amount the insurer will pay for a claim, and the excess is the amount you'll need to contribute towards a claim.

Ensure that the policy limits are adequate for your needs, especially for medical coverage, as overseas healthcare can be extremely expensive.

Pre-existing Conditions and Age Limit

If you have pre-existing medical conditions, it's crucial to ensure your travel insurance covers them. Many insurance providers exclude pre-existing conditions or may charge an additional premium to cover them.

Age is another factor that can affect your insurance coverage. Some providers have an upper age limit for their policies or mIt'sharge higher premiums for older travelers.

Read the Fine Print

Lastly, always read the fine print of your travel insurance policy. It’s a common misconception that travel insurance covers everything, so look for exclusions and conditions that could affect your coverage.

If anything is unclear, don't hesitate to contact the insurance provider for clarification.

Multi-Trip vs. Single-Trip Policies

One factor often overlooked when purchasing travel insurance is the distinction between multi-trip and single-trip policies.

If you're a frequentdoesn'ter, you might want to consider investing in a multi-trip or annual travel insurance policy.

These policies cover all the trips you take within a year, provided each trip doesn't exceed a certain number of days (usually around 30 to 45).

On the other hand, single-trip policies cover you for one specific trip and can be tailored more specifically to the details It'shat trip.

If you only travel once or twice a year, this policy might be more cost-effective.

Safeguard Your Travel

Travel insurance is an essential part of planning a trip. It's not just about safeguarding you'ret the financial impact of unforeseen events but also ensuring peace of mind during your travels.

Understanding what to look out for when buying travel insurance can ensure you're adequately protected, no matter what your journey may bring.

This story is brought to you in partnership with United Healthcare Global.

The post What to Look Out For When Buying Travel Insurance appeared first on Go Backpacking .

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Life insurance and pre-existing medical conditions

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While it's not a nice thing to consider, life insurance can help give financial support to your loved ones if you unexpectedly pass away. You can still get life insurance with pre-existing medical conditions, though you might have to pay more for your policy.

Learn more about how to approach life insurance with pre-existing conditions.

What is a pre-existing medical condition? expandable section

A pre-existing medical condition is an illness you have had symptoms of, or treatment for, before taking out a life insurance policy.

Health conditions usually considered as pre-existing include:

  • Heart disease - including heart attacks and angina.
  • Brain haemorrhage.
  • High blood pressure.
  • High cholesterol.
  • Mental health.
  • Cerebral palsy and other neurological conditions.

Can you get life insurance with a pre-existing medical condition? expandable section

Yes, it’s possible to get life cover with pre-existing conditions. However, you should expect to pay more for your policy. This is because insurers will see pre-existing health conditions as higher risk.

You may need to provide your insurer with your medical history as part of your application process. Each policy will be different and based on your own personal circumstances. So, your premiums may cost more than someone without the same health condition.

When you apply for life insurance, it’s important that you disclose your full and correct medical history. Not only will you have the cover you need, but your loved ones are also more likely to receive the financial support you wanted in the event of a claim. If you fail to disclose a pre-existing condition, it could invalidate your policy. This means your loved ones won’t be able to make a claim.

Should I tell my insurer about my pre-existing medical condition? expandable section

Yes, it’s important that you fully disclose your health history to your insurer. If you don’t, you could invalidate your policy. This means your loved ones wouldn’t be able to make a claim if you were to pass away unexpectedly.

It’s important to be upfront. Your insurer could cancel your policy if you don’t tell them your full medical history. Your insurer may ask for access to your medical history from your GP. So they are likely to find out about any pre-existing conditions even if you don’t tell them the information yourself. They can only do this with your consent, but withholding the information could invalidate your policy later.

It's common to be worried that your pre-existing health issues could affect your life insurance policy. Having the right cover is more important, to make sure your loved ones get the financial protection you want if you die.

Scottish Widows provide our life insurance and critical illness cover policies. Scottish Widows protection products have no cash-in value at any time. So if the policy ends without a claim, you won't get any money back. If you don't make payments on time, your cover will stop, your policy will end and you'll get no money back.

What questions will an insurance provider ask? expandable section

As part of your application an insurer will ask some health and lifestyle questions, to understand more fully your health history. Some of the questions you can expect your insurer to ask may include:

  • whether you have any pre-existing conditions.
  • how long you’ve had it.
  • any treatment history.
  • severity of condition.
  • current medication or medication history.
  • family history of the condition.
  • any changes you’ve had to make, such as installing a stair-lift at home.

You can also expect your insurer to ask wider questions on your health, such as:

  • Your height.
  • Your weight.
  • Your level of physical activity.
  • Whether you’re a smoker/vaper.
  • Amount of alcohol consumed weekly.

An image of a couple holding hands.

Frequently asked questions

Do i need to tell my insurer of any new diagnoses expandable section.

No, your cover only applies to conditions you had at the time of taking out the policy. If you want to change your cover or even take out another policy , the insurer will ask for a summary of your current health. You can update your insurer with any new conditions you have developed in the meantime, if you take out a new or updated policy.

What should I consider when applying for life insurance with health issues? expandable section

Be sure to check all the terms and conditions to make sure your insurance policy accounts for your particular pre-existing condition. You may want to bear in mind that a pre-existing health condition could affect the cost of your premiums, as an insurer could see it as extra risk.

Can I get critical illness cover alongside life insurance? expandable section

Yes, you can get this form of insurance alongside life insurance. Critical illness cover could pay out while you are still alive, after you are diagnosed with a long-term illness listed on your policy.

At Halifax, you can buy life and critical illness together, or separately. Always read policy documentation carefully before you go ahead, making sure it gives the cover you really need.  

How much does life insurance with pre-existing medical conditions cost? expandable section

Costs differ based on your personal circumstances, such as your medical history, health condition, and lifestyle. An insurer will take all of these into account before quoting you for your insurance premiums.

Want to find out more?

Discover more information on life insurance and critical illness. Get a tailored quote or arrange a call-back to discuss your need.

  • Life insurance.
  • Critical illness cover.
  • Mortgage protection.

Further help and guidance

  • Life insurance and diabetes.
  • Life insurance for smokers.
  • Life insurance and cancer.

IMAGES

  1. Travel Insurance With Pre-Existing Medical Conditions 2023

    halifax travel insurance pre existing conditions

  2. Everything About Travel Insurance with Pre-Existing Conditions

    halifax travel insurance pre existing conditions

  3. Travel Insurance for Pre-Existing Medical Conditions [All You Need to

    halifax travel insurance pre existing conditions

  4. What are travel insurance pre existing conditions?

    halifax travel insurance pre existing conditions

  5. Travel Medical Insurance & Pre-Existing Conditions: What you need to know

    halifax travel insurance pre existing conditions

  6. Travel insurance for pre-existing medical conditions

    halifax travel insurance pre existing conditions

COMMENTS

  1. How To Get Pre-Existing Conditions Covered By Travel Insurance

    To determine what qualifies as a pre-existing condition, a travel insurance company looks back 60 to 180 days before the day the policy was purchased, says Squaremouth, a travel insurance ...

  2. Travel Insurance for Pre-Existing Conditions

    A pre-existing condition is an illness, injury or medical concern that has included exams, treatments or a change in prescribed medication within 60 to 180 days of purchasing a travel insurance ...

  3. Understanding Travel Insurance for Pre-Existing Conditions

    Most travel insurance companies define pre-existing conditions as a change in your medical record that includes tests, examinations, treatment, or changes in medication. The changes in your ...

  4. Pre-Existing Medical Condition Travel Insurance Plans

    At a basic level on Travel Guard's travel insurance plan, a pre-existing medical condition is considered an injury, sickness or other condition that either first occurred or became worse within the previous 90 days of purchasing the travel insurance plan. Be sure to read the policy of insurance for the plan you are considering to make sure ...

  5. When Does Travel Insurance Cover Existing Medical Conditions?

    Travel insurance only covers pre-existing medical conditions if you buy your plan within 14 days (depending on your plan) of making your first trip payment or deposit. You and your husband are both nature lovers, and to celebrate your 25th anniversary you're planning a two-week stay at a luxury eco-resort in Costa Rica.

  6. What's the Best Travel Insurance for Pre-Existing Medical Conditions?

    The best travel insurance for pre-existing conditions is the OneTrip Prime Plan from Allianz Global Assistance, which includes abundant coverage for covered emergency medical expenses overseas (up to $50,000). You also get emergency medical transportation benefits up to $500,000 to travel to the nearest appropriate medical facility or to return ...

  7. Travel Insurance For Pre-Existing Conditions

    You are medically able to travel when your travel insurance policy is purchased. To ensure you've purchased the coverage needed for your trip, including coverage for your pre-existing medical condition, please read your policy's description of coverage closely. Should you have any questions about the waiver, call us at 1.800.826.5248.

  8. How To Get Pre-Existing Conditions Covered By Travel Insurance

    RBC Travel Insurance: For travellers over age 75, the TravelCare package may cover pre-existing conditions, depending on your answers to a medical questionnaire. Scotiabank Travel Insurance ...

  9. Halifax Travel Services

    Ultimate Reward Current Account - has travel insurance included, plus a range of other benefits for a monthly maintaining the account fee. Use your cards outside the UK. If you want to use an existing Halifax debit or credit card outside the UK, make sure you're aware of any costs involved.

  10. Pre-Existing Condition & Travel Medical Insurance Plans

    Qualifying for a Pre-Existing Medical Conditions Waiver. To qualify for a waiver in order to bypass the look-back period, policyholders must meet a few requirements. Age: No age limit for a waiver on the majority of plans. Cost: No additional premium for a waiver. Health: Traveler must be medically fit to travel.

  11. Have pre-existing conditions? What you need to know before purchasing

    A pre-existing condition can influence travel insurance claims. If your condition is considered "unstable," you won't be able to submit travel insurance claims associated with it. However, you may be covered for unrelated health problems and unforeseen emergencies. When assessing pre-existing conditions for travel coverage, the term ...

  12. Does Travel Insurance Cover Pre-Existing Conditions? (2024)

    Pre-existing conditions explained. When it comes to travel medical insurance, a pre-existing condition may be defined as an existing health issue or diagnosis, which can include a recent injury or illness or a long-term disease for which you're receiving medical treatment. It may also be defined as a long-term condition, such as high blood pressure, dementia, or even pregnancy.

  13. Pre-Existing Condition Travel Insurance Coverage

    Travel Insurance and Pre-Existing Conditions. For the purposes of buying travel insurance, a pre-existing condition is defined as any illness, disease, injury or other condition that happens prior to a plan's effective date and for which you experienced symptoms or sought treatment. Insurance providers check to see if you were medically ...

  14. FAQs

    If you're abroad, call +44 (0) 1495 28 12 97. open 24 hours a day, 7 days a week, 365 days a year. If you're an Ultimate Reward Current Account customer, please read our FAQs (PDF, 144 KB) for more information about the travel insurance which comes with your account and COVID-19. You can also visit our payment disputes page, for help if your ...

  15. Travel insurance if you have a pre-existing medical condition or

    But your insurer is likely to consider any of the following a pre-existing medical condition: any condition you're waiting for an operation on. any condition that you're currently awaiting test results for. any condition, even a minor one, that you've seen a doctor about in the past year. any serious condition - cancer, heart trouble ...

  16. 5 Best Travel Insurance Options for Pre-Existing Conditions

    Travelex Insurance Services. Travelex Insurance Services is another best travel insurance option for people with pre-existing medical conditions. Their Travel America and Travel Select Plans can cover some already existing medical conditions. The terms and conditions may vary, but you'll get all the information when you get a quote.

  17. Travel Insurance For Pre-Existing Condition Medical Coverage

    Generally, adding pre-existing conditions coverage will not increase your policy cost if you qualify for a waiver. Based on our research, a travel insurance policy costs between $160 to $300 ...

  18. Travel insurance for pre-existing medical conditions

    1. Buy travel insurance as soon as you book to cover cancellation and pre-trip illness. 2. Always declare your medical conditions or you likely won't be covered. 3. Not all insurers have an upper age limit. 4. Check you're covered for the countries you're travelling to. 5.

  19. Ultimate Reward Current Account

    Pre-existing medical conditions aren't covered under this policy, unless they are agreed with the insurer first. An additional premium may apply. If this affects you contact Allianz Assistance directly to find out more. You might want to visit the Money Helper service, which lists firms offering travel insurance for customers with medical ...

  20. How Travel Insurance for Cancer Patients Works

    Make sure to start your search for travel insurance early, ideally within a few days of making your first booking, since pre-existing condition waivers often require early purchase — if you don ...

  21. Best bank accounts with travel insurance included

    Just make sure you've declared any pre-existing medical conditions and don't leave your valuables unattended to be fully covered. ... Halifax's travel insurance covers personal Baggage up to £ ...

  22. Travel insurance Halifax

    Travel insurance Halifax. Options . sim2335 Posts: 585 Forumite. 17 September 2022 at 3:23PM in Overseas holidays & travel planning. I bank with Halifax and looking to upgrade so i get free travel insurance. ... Whether you have pre existing conditions or not isn't that relevant. You could easily have an accident or be diagnosed with a new ...

  23. Halifax UK

    If you're having difficulty using your cards abroad, call us on: +44 (0) 113 242 1984 for debit cards or. +44 (0) 1733 573 189 for credit cards. (Lines open 8am - 8pm, seven days a week). Not all Telephone Banking services are available 24 hours a day, seven days a week. To make a travel insurance claim, call us on +44 (0)345 124 1400.

  24. What to Look Out For When Buying Travel Insurance

    Many insurance providers exclude pre-existing conditions or may charge an additional premium to cover them. Age is another factor that can affect your insurance coverage.

  25. Life insurance pre-existing medical conditions

    A pre-existing medical condition is an illness you have had symptoms of, or treatment for, before taking out a life insurance policy. Health conditions usually considered as pre-existing include: Cancer. Heart disease - including heart attacks and angina. Strokes. Brain haemorrhage. Asthma. High blood pressure. High cholesterol. Diabetes. Obesity.