What counts as pre-existing
Usually any illness, injury or condition you had symptoms of, were treated for, or had medication changed for during a "look-back" period before buying (often 60 to 180 days).
The waiver
Many comprehensive plans offer a pre-existing condition waiver. To qualify you typically must:
- Buy within about 10–21 days of your first trip payment.
- Insure the full non-refundable trip cost.
- Be medically able to travel on the day you buy.
Be honest
Declare conditions accurately. Claims are often checked against medical records, and a missed detail can void cover.
Best approach
Buy as soon as you put down your first deposit, and read the waiver section of the policy wording before you pay.
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General information only, not insurance advice. Coverage varies by plan, state and country. Always read the policy wording before you buy.
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