When Should I Buy Travel Insurance to Be Covered for Pre-Existing Conditions?

🧭 Overview

If you or a loved one has a pre-existing medical condition, travel insurance can still offer valuable protection—but timing is critical. Most plans only cover pre-existing conditions if you purchase your policy within a specific timeframe, usually 20 days from your first trip deposit.

⏳ What Is a Pre-Existing Condition?

A pre-existing condition refers to any illness, injury, or medical issue for which you, a travel companion, or a family member has:

• Been treated

• Received a diagnosis

• Taken medication

• Been prescribed a new treatment plan

…within a specific “Look Back Period” (commonly 60 or 90 days before purchasing your policy).

Without a waiver, most standard travel insurance plans exclude coverage for cancellations or medical emergencies related to pre-existing conditions.

🛡️ What Is a Pre-Existing Condition Waiver?

A pre-existing condition waiver is an added benefit that allows the policy to waive the exclusion, meaning you can be covered for cancellations or emergencies caused by a pre-existing issue.

But here’s the key:

Most travel insurance providers will only offer this waiver if you buy the policy within 20 days of your initial trip deposit.

📅 Why the 20-Day Window Matters

Purchasing within this window can give you access to:

• A waiver of pre-existing condition exclusions

• Eligibility for Cancel For Any Reason (CFAR) add-ons

Even if your trip isn't fully planned yet, you can still purchase coverage for the amount you've paid so far and add more later as your trip details develop.

💬 Example

Let’s say you book a tour to Europe and pay your deposit on July 1. You take daily heart medication for a chronic condition.

• If you buy travel insurance by July 21, you’re likely eligible for a waiver, which means if something heart-related disrupts your trip, you may still be covered.

• If you wait until August 1, you may still be eligible for standard coverage—but anything heart-related would likely be excluded.

✅ Takeaway

If you or a close relative has a medical condition that could impact your travel plans, buying insurance early isn’t just a good idea—it’s essential.

To protect your trip investment and maximize your medical coverage, purchase travel insurance within 20 days of your initial deposit.

❓Need Help?

Not sure when your “first deposit” counts or if your condition qualifies? Contact us and a licensed agent will walk you through the process.

📞 (800) 576-2674
✉️ support@insuranceconsultantsintl.com

⚖️ Disclaimer

This article is for general educational purposes only. Eligibility for a pre-existing condition waiver and the exact time window may vary by plan and provider. Always consult your policy documents or speak with an agent to confirm your coverage details.