r/lists • Posted by Sarah Chen✈️ Travel

Leading Travel Insurance Companies for Pre-Existing Medical Conditions

Leading Travel Insurance Companies for Pre-Existing Medical ConditionsNavigating travel insurance with pre-existing medical conditions can feel like a minefield, but it's super important to get the right coverage for peace of mind! I've done some digging to find companies that really stand out in offering comprehensive plans for those of us with ongoing health needs. Remember, always declare everything and buy your policy early to get the best benefits!
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    Allianz Partners

    allianztravelinsurance.com
    Allianz offers plans like the OneTrip Prime and Premier that are great for pre-existing conditions, especially if you purchase within a specific timeframe after your initial trip deposit. They provide robust emergency medical and transportation benefits.
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    Seven Corners

    apps.sevencorners.com
    Often highlighted for strong emergency medical and medical evacuation coverage, Seven Corners' Trip Protection Choice plan is a top pick for travelers with pre-existing conditions. They typically offer a solid time-sensitive window to qualify for waivers.
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    Travel Guard (AIG Travel Guard)

    travelguard.com
    Travel Guard is a well-known provider that offers a pre-existing medical condition exclusion waiver if you purchase your plan shortly after your initial trip deposit. Their Deluxe Plan often has high benefit limits for medical expenses, which is a big plus.
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    IMG (iTravelInsured)

    imglobal.com
    IMG, especially with their iTravelInsured Choice and LX policies, is a fantastic option, particularly for senior travelers, as some plans cover individuals up to 99 years old. They offer substantial emergency medical and evacuation coverage.
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    Trawick International

    trawickinternational.com
    Trawick International is frequently recognized for being a strong overall performer in travel insurance, including options that cover pre-existing conditions. They offer plans like the Voyager that aren't tied to the initial trip deposit date for pre-existing condition waivers, as long as you buy before the final payment.
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    Tin Leg

    tinleg.com
    Tin Leg, with plans like Tin Leg Gold, offers robust medical protection and is also known for covering adventurous itineraries. They provide high limits for emergency medical and evacuation benefits that can extend to pre-existing conditions.
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    Generali Global Assistance

    generalitravelinsurance.com
    Generali's Premium policy is noted for a generous window to obtain pre-existing medical condition coverage, making it a flexible choice for many travelers. They also get good reviews for straightforward underwriting processes.
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    John Hancock

    johnhancock.com
    John Hancock offers plans that include pre-existing condition waivers, often with a 60-day look-back period, which can be favorable. Just remember to purchase your plan within their specific time frame, typically 14 days of your initial trip deposit, to qualify.
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    WorldTrips

    worldtrips.com
    WorldTrips provides comprehensive plans that often include a pre-existing conditions waiver on all their travel protection plans. They are available to both U.S. and non-U.S. residents, offering flexibility for a wider range of travelers.
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    Manulife (TravelEase)

    coverme.com
    For my Canadian friends, Manulife's TravelEase plan is designed to cover fully disclosed medical conditions, offering up to $10 million in emergency medical benefits. It's a great option for accessible protection, especially for worldwide travel.

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