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Travel Insurance that covers pre-existing conditions

Travel Insurance that covers pre-existing conditions

All of these plans offer international health insurance that covers pre-existing conditions

Not sure which plan to select that offers overseas travel insurance with pre existing medical conditions? Scroll down to see a quick summary of each plan.

These Travel Plans are Good for:

A “pre-existing condition” is any health problem that you had before you applied for an international health insurance policy or travel insurance plan. 

Some of these plans for overseas travel insurance with pre existing medical conditions are “worry-free” plans. And some offer limited protection at a better price. Some plans will cover a sudden and unexpected recurrence of a pre-existing condition. However, they may not cover items you have been seen by a doctor for in the last 6 months. (or that you currently take medication to control) There are some plans for those living overseas on overseas assignment or as expatriate workers (over one year). If you have any questions, use the orange buttons below to get a quote or call us for help!

New ACA laws in the USA protect citizens from discrimination based on a pre-existing condition. (or will pay those claims) However, many travel insurance policies will not cover a pre-existing condition overseas when you submit a claim or have a pre-existing condition flare up. They are intended for new illnesses or emergencies/accidents.

The plans shown below all offer pre existing condition insurance. They provide a variety of benefits and amounts of coverage for pre-existing conditions.

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We Recommended

  • Our recommended plan

    Geoblue Voyager International Medical Insurance

    One of the best travel medical insurance plans available for U.S. travelers

    Quote This Plan Buy Online Clicking this button will take you to this carrier’s site to get a no-obligation quote, or allow you to view/purchase this plan. Find out More
    • One of the best travel medical insurance policies anywhere!
    • For U.S. travelers to age 94 anywhere in the world – No restrictions
    • Excellent for medical workers, missionaries, charitable work, and volunteers
    • Best for older travelers or those with pre-existing conditions

    Price

    $ $ $ $

    Coverage

  • Our recommended plan

    Patriot Platinum Travel Medical Insurance

    A robust travel insurance plan that offers up to $8,000,000USD

    Quote This Plan Buy Online Clicking this button will take you to this carrier’s site to get a no-obligation quote, or allow you to view/purchase this plan. Find out More
    • Those wanting up to $8 million in maximum medical benefits
    • Emergency evacuation up to the medical maximum
    • For U.S. residents traveling outside the U.S. and for non-U.S. residents traveling throughout the world with coverage option to the U.S.

    Price

    $ $ $

    Coverage

covered pontoon boat on water
About overseas travel insurance with pre existing medical conditions

Trip Cancellation plans that include pre-existing condition benefits

  • iTravel Trip Cancellation – Affordable & benefit-rich

    Our best trip cancellation plan with medical benefits up to age 99!

    Quote This Plan Buy Online Clicking this button will take you to this carrier’s site to get a no-obligation quote, or allow you to view/purchase this plan. Find out More

About pre existing condition insurance

What you should know

Click to view

Additional information about pre existing condition insurance coverage

Unlike ACA-health plans or nationalized healthcare, international health insurance and travel insurance plans are not required to cover pre-existing medical conditions. Travel plans are primarily for new injuries or illnesses suffered while traveling. Whether they are due to a mugging, an accident or fall, or an unexpected occurrence. Most travel insurance policies assume that you are healthy and able to travel. However, we realize that many individuals are under a doctor’s ongoing supervision. Some may be encouraged to take prescription medicine to control certain symptoms or as a precaution. They may have had a medical issue in the past but it is in remission or no longer a concern.

We always encourage you to call us or live chat if you have questions regarding your health coverage or that of a family member.

We are happy to advise you on plans and benefits that will best fit your needs

Many travel insurance plans include a benefit called “Acute Onset of a Pre-Existing Condition”. This means they cover up to a certain amount if you have a sudden and unexpected outbreak of a health issue that hasn’t been a problem or concern for some time. Or if it occurs spontaneously and without advance warning (either in the form of physician recommendations or symptoms), or if it is of short duration. Or if it progresses rapidly (requiring attention before returning home) and/or requires immediate medical attention. These travel medical benefits vary by plan.

Other plans, such as our GeoBlue Voyager Choice plan for U.S. residents, cover pre-existing conditions if a doctor clears you to travel. It does require you to be a U.S. resident making a trip from (and returning to) the USA. It also requires that you have a primary health insurance plan in order to purchase. (Note that Medicaid, Medical share plans, and V.A. health plans are not considered primary health insurance in order to use this plan). Maintenance medical care is not covered. Also not covered are medications prescribed for chronic and/or long-term medical conditions or Rx taken on an ongoing basis. You must be cleared to travel and be following any doctor’s orders. However, there is no minimum amount of time on when you were last seen by a doctor for a medical condition prior to travel (for Voyager Choice).

Prescription drugs

You may want to make sure you ask your doctor for a written prescription and sealed medication in order to go through customs without difficulty. More about that here >>

The TSA also maintains a TSA Cares Help Line to assist travelers with disabilities and medical conditions. TSA recommends that passengers call 72 hours ahead of travel for information about what to expect during screening. Travelers may call TSA Cares toll free at 1-855-787-2227 prior to traveling with questions about screening policies, procedures and what to expect at the security checkpoint.

For Non-U.S. residents and travelers

BUPA is another good pre existing condition insurance option for non-U.S. residents, including travel to the USA. This plan offers an available waiver form for pre-existing conditions. It also covers acute onset of pre-existing conditions the same as any other medical claim. That form is available on this page. BUPA is a good option for those looking for trip cancellation insurance that covers preexisting conditions. It is not available to residents of the USA or Canada. In addition, you cannot have been seen for the condition in the last 6 months.


For Trip Cancellation for U.S. travelers with a pre-existing condition

For U.S travelers looking for a trip cancellation plan that offers some coverage for pre-existing conditions, check out the iTravel LX plan.


Another pre existing condition insurance plan – 3 options with acute onset benefits

Liaison International offers three options for those with pre-existing conditions up to 80+ years. If you are traveling with a companion, you can both be on one policy together (even if unrelated) instead of having to sign up individually. However, due to state laws Liaison International is currently not available to residents of Maryland, Washington, New York, South Dakota, and Colorado.

Liaison International pays up to a specified limit for sudden, unexpected recurrences of a pre-existing condition. However, it does not cover known, required or expected treatment of any kind existent or necessary for 12-months prior to your coverage. It does cover acute onset of a pre-existing condition for non-United States residents in the United States up to a certain amount (based on plan selection).

Again, we are happy to help advise you or recommend a plan to fit your needs and travel.
Please feel free to reach out for help via phone, via email, or via live chat.

Here at Good Neighbor Insurance it is very important for us to connect with you.

As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!

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