Does travel insurance cover pre existing medical conditions?

First and foremost, you must insure your full nonrefundable trip costs. From there, if you insure the full cost of your trip within 14 days of paying your first trip deposit, and you're medically able to travel when you do so, you can be covered for most existing medical conditions.



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The nearest US embassy or consulate can help travelers locate medical services and notify your friends, family, or employer of an emergency. They are available for emergencies 24 hours a day, 7 days a week, overseas and in Washington, DC (888-407-4747 or 202-501-4444).

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Trip Cancellation Insurance will reimburse you for the amount of pre-paid, non-refundable travel expenses (e.g. airline, cruise, train, hotel, etc.) that you have insured, should you cancel your trip before departure for an unforeseen covered reason.

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Flight insurance protects only the cost of your flight. It doesn't cover all of your prepaid and nonrefundable trip expenses. Generally, if a problem covered by your flight insurance policy derails your travel plans, you can get reimbursement for only nonrefundable flight costs.

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Trip cancellation coverage can be purchased as part of a comprehensive travel insurance policy, or you can receive it for free when you hold certain premium credit cards.

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if you suffer from or have had:
  • angina or chest pain at rest.
  • an infectious disease (e.g. chickenpox, flu), including COVID-19.
  • decompression sickness after diving (sometimes called 'the bends')
  • increased pressure in the brain (due to bleeding, injury or infection)
  • infection of your ears or sinuses.
  • recent heart attack.


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