The Best Travel Insurance for Pre-Existing Medical
Travelers who like the security of purchasing travel insurance want to know they are getting the best coverage for their money, including those with pre-existing medical conditions.
Both the Travel Insurance Review and Trip Insurance Store websites list three agencies as “best” or “most popular,” and all three have policies that cover travelers with pre-existing medical conditions.
The website Squaremouth also has comparisons of travel medical insurance. These travel policies vary in terms of price, amount of coverage and “look back” period–the amount of time before purchasing insurance when no new treatments or intervention on the medical condition was required.
The Travel Guard Tour Cruise and Travel Platinum plan has only a 60-day look back period for pre-existing conditions. It covers $50,000 or up to $100,000 primary emergency medical coverage, which means it covers the first $50,000 to $100,000 of any medical expenses before you submit a claim to your own insurer.
It covers up to $1 million in emergency evacuation and repatriation costs. For an extra $63 you can choose the hospital to which you are evacuated.
You have 14 days after the initial booking payment on the trip to purchase the insurance and waive the pre-existing exclusion.
Travelex Select has a 60-day look back period for pre-existing conditions. It covers $50,000 to $75,000 in primary medical expenses and up to $500,000 in emergency medical evacuation and repatriation costs.
Travelers have up to 21 days after the initial trip deposit to purchase the travel insurance and waive the pre-existing condition clause.
This policy is listed as one of the most popular on Travel Insurance Review but has a drawback for pre-existing conditions in that its look-back period is 180 days.
Travel Insured’s Worldwide Trip Protector Gold coverage offers $50,000 or up to $100,000 in primary emergency medical coverage. Depending on the policy you buy you can get $500,000 to $1 million in emergency medical evacuation.
You have 21 days after your initial deposit to purchase insurance and waive the pre-existing condition exclusion.
CSA Freestyle Luxe
CSA Freestyle Luxe also has a 180-day look-back period. The policy has $250,000 secondary emergency medical coverage, which means that your primary insurance will be billed first and any expenses that are not covered will go to the CSA policy.
With CSA you have up to $1 million emergency evacuation and repatriation coverage. The benefit to purchasing a CSA policy is that you don’t have to buy insurance and waive the pre-existing condition exclusion until 24 hours after your final trip payment.