r/lists • Posted by Sarah Chen✈️ Travel
Top Travel Insurance Plans for Pre-Existing Medical Conditions (with Waiver Options)
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Allianz Global Assistance (Plans with PMC waiver)
allianztravelinsurance.comAllianz offers various plans that include a Pre-Existing Medical Condition (PMC) waiver if you purchase your policy shortly after your initial trip deposit, typically within 14 days. This is a solid choice for comprehensive coverage. - 2
AIG Travel Guard Preferred/Deluxe/Plus
travelguard.comMany of AIG Travel Guard's comprehensive plans, like the Preferred, Deluxe, and Plus, offer a PMC waiver if you buy your policy within 15 days of your first trip payment (21 days for Plus). They generally require you to insure your full non-refundable trip costs. - 3
Seven Corners RoundTrip Choice/Elite
sevencorners.comSeven Corners provides plans such as RoundTrip Choice and Trip Protection Elite that offer a PMC waiver, usually if you purchase within 20 days of your initial trip deposit and cover all non-refundable expenses. It's a great option for comprehensive protection. - 4
IMG Travel SE
insuremytrip.comIf you're looking for robust coverage, IMG Travel SE offers a PMC waiver if purchased within 20 days of your initial trip deposit. This plan provides excellent medical and evacuation benefits. - 5
IMG Travel LX
imglobal.comThis plan is fantastic for those who might miss the typical initial deposit window, as it can still cover pre-existing conditions if purchased on or before your final trip payment. It offers valuable flexibility for travelers. - 6
HTH Worldwide TripProtector Preferred
insuremytrip.comHTH Worldwide's TripProtector Preferred plan includes a PMC waiver if you buy it within 21 days of your initial trip deposit. Some HTH plans even offer coverage if purchased within 24 hours of your final trip payment. - 7
Berkshire Hathaway Travel Protection (BHTP) ExactCare/ExactCare Extra
bhtp.comBHTP plans like ExactCare and ExactCare Extra typically include a PMC waiver if purchased within 15 days of your initial trip deposit and you insure the full trip cost. Their claims process is often praised for being quick and efficient. - 8
Trawick International Safe Travels Voyager
insuremytrip.comTrawick International's Safe Travels Voyager plan offers a PMC waiver if bought within its specified time-sensitive period (often around 21 days from initial deposit). This plan is known for its high benefit limits for overall trip protection. - 9
Trawick International Safe Travels International Cost Saver (Acute Onset)
trawickinternational.comWhile not a full waiver for all conditions, this Trawick plan specifically offers coverage for the "acute onset" of pre-existing conditions, which can be crucial for sudden, unexpected flare-ups, even if you don't meet full waiver criteria. - 10
AXA Assistance USA Platinum/Gold/Explorer Select
insuremytrip.comAXA plans such as Platinum, Gold, and Explorer Select offer a PMC waiver if purchased within 14 days of your initial trip deposit. They are particularly noted for their competitive look-back period of just 60 days, which can be a significant advantage. - 11
Generali Global Assistance Premium Plan (formerly CSA Travel Protection)
generalitravelinsurance.comGenerali (formerly CSA Travel Protection) offers plans like their Premium Plan that can cover pre-existing medical conditions, often with a waiver if purchased by your final trip payment (or within 24 hours of it). Always review the specific policy details!
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