IMG logoBest IMG Travel Insurance with Pre-Existing Condition Waiver

IMG offers travel insurance plans with a Pre-Existing Condition Waiver for eligible travelers. When the waiver requirements are met, these plans provide valuable protection for trip cancellation, emergency medical expenses, emergency evacuation, baggage, and other covered travel-related emergencies.

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IMG Travel Insurance with a Pre-Existing Condition Waiver

Travelers with existing medical conditions often worry that their condition won't be covered if they need medical treatment during a trip. A pre-existing condition waiver can remove the standard exclusion for pre-existing medical conditions when specific eligibility requirements are met.

Several IMG travel insurance plans include a Pre-Existing Condition Waiver for eligible travelers who purchase coverage within the required time after making their initial trip deposit and insure 100% of their prepaid, non-refundable trip costs. This benefit can provide valuable financial protection if you need to cancel, interrupt, or delay your trip due to a covered pre-existing medical condition.

What Is a Pre-Existing Condition Waiver?

A pre-existing condition waiver is a benefit that waives the policy's exclusion for pre-existing medical conditions when all eligibility requirements are met. Instead of automatically excluding claims related to an existing medical condition, the waiver allows eligible travelers to receive coverage for covered losses caused by that condition.

This waiver is commonly available on comprehensive trip cancellation insurance plans and is different from visitor medical insurance that generally covers only the acute onset of pre-existing conditions.

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Why Is a Pre-Existing Condition Waiver Important?

Many travelers have pre-existing medical conditions such as diabetes, heart disease, high blood pressure, asthma, or a history of cancer. Without a Pre-Existing Condition Waiver, claims related to these conditions may be excluded from coverage under many travel insurance plans.

When you meet the plan's eligibility requirements, a Pre-Existing Condition Waiver can provide valuable financial protection if a covered medical condition unexpectedly affects your trip. This added protection helps you travel with greater confidence, knowing you're better prepared for unforeseen medical situations.

A Pre-Existing Condition Waiver May Help Cover:
  • Trip cancellation due to a covered pre-existing medical condition
  • Trip interruption if you must cut your trip short for a covered reason
  • Eligible emergency medical expenses incurred during your trip
  • Emergency medical evacuation when medically necessary
  • Additional covered travel expenses resulting from an unexpected covered event

Coverage is available only when the waiver eligibility requirements and all policy terms and conditions are met. Please refer to the policy certificate for complete details, exclusions, and limitations.

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Which IMG Travel Insurance Offers a Pre-Existing Condition Waiver?

IMG offers select travel insurance plans with a Pre-Existing Condition Waiver for eligible travelers. Plans such as Patriot Travel Medical Insurance, iTravelInsured Travel SE, iTravelInsured Travel LX, and iTravelInsured Choice provide valuable trip and medical protection when the waiver eligibility requirements are met.

iTravelInsured Choice

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The Pre-Existing Condition Exclusion Waiver is available if the plan is purchased within 21 days of your initial trip payment and you insure the full non-refundable trip cost.Pre-existing condition Look-Back Period: 60 days prior to the effective date of the policy.ITravelinsured Choice is a budget-conscious trip cancellation insurance travelers, available for travelers up to age 99, It includes 4 optional riders.
The Pre-Existing Condition Exclusion Waiver is available if the plan is purchased within 21 days of your initial trip payment and you insure the full non-refundable trip cost.Pre-existing condition Look-Back Period: 60 days prior to the effective date of the policy. Available for travelers up to age 99, this plan offers higher medical and trip protection limits than iTravelInsured Choice. Making it an excellent choice for families, international travelers, cruise vacations, and travelers seeking enhanced protection.
iTravelInsured Travel LX plan gives you more flexibility and allows you to qualify for the waiver if buy the iTravelInsured Travel LX insurance within 24 hours of your final trip payment. This flexibility provides travelers the ability to buy trip cancellation insurance with pre-existing conditions coverage up to the final trip payment. This provides valuable peace of mind and greater medical coverage for seniors with existing health conditions.

Who Should Consider IMG Travel Insurance with a Pre-Existing Condition Waiver?

IMG travel insurance plans with a Pre-Existing Condition Waiver are designed for eligible travelers who want added financial protection against unexpected medical situations that could affect their trip. If you have a pre-existing medical condition or are investing in a costly vacation, this coverage can provide greater peace of mind when the plan's eligibility requirements are met.

This coverage may be a good option for:
  • Seniors with eligible pre-existing medical conditions
  • Families planning expensive vacations or holidays
  • Cruise travelers with significant prepaid, non-refundable expenses
  • International travelers seeking comprehensive trip protection
  • Travelers booking non-refundable flights, hotels, or tour packages
  • People managing chronic medical conditions, such as diabetes, heart disease, asthma, or high blood pressure
  • Business travelers with prepaid travel arrangements
  • Anyone looking for additional protection against unexpected medical events before or during their trip

Coverage for pre-existing medical conditions is available only when the plan's waiver eligibility requirements and policy terms are satisfied. Please review the policy certificate for complete details.

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IMG Travel Insurance with a Pre-Existing Condition Waiver FAQs

A Pre-Existing Condition Waiver removes the exclusion for eligible pre-existing medical conditions when travelers meet the plan's purchase requirements and all policy terms and conditions.
Eligible IMG plans include iTravelInsured Choice, iTravelInsured Travel SE, and iTravelInsured Travel LX. Waiver availability depends on the specific plan and meeting its eligibility requirements.
Most IMG plans require you to purchase coverage within a specified time after making your initial trip deposit or final trip payment, depending on the plan. Always review the policy certificate for the applicable deadline.
Many IMG trip protection plans require travelers to insure 100% of their prepaid, non-refundable trip costs to qualify for the Pre-Existing Condition Waiver. Please review the policy terms for your selected plan.
One of the best options is iTravelInsured Travel LX. Unlike many plans that require you to purchase coverage shortly after your initial trip deposit, Travel LX lets eligible travelers qualify for the pre-existing condition waiver by purchasing the plan within 24 hours of their final trip payment. This added flexibility makes it an excellent choice for travelers who complete their trip arrangements later but still want comprehensive trip cancellation protection.
Depending on the plan, benefits may include trip cancellation, trip interruption, emergency medical expenses, emergency medical evacuation, baggage protection, travel delay benefits, and 24/7 emergency travel assistance.
These plans may be suitable for seniors, cruise travelers, international travelers, families, and anyone with significant prepaid, non-refundable trip expenses who wants additional protection for eligible pre-existing medical conditions.
No. The waiver applies only when the plan's eligibility requirements are met and is subject to the policy's exclusions, limitations, and conditions. Travelers should review the policy certificate carefully before purchasing.
A pre-existing condition is generally an illness, injury, or medical condition for which you received treatment, medical advice, or prescription medication during the plan's look-back period before your policy became effective. The exact definition varies by policy.
Yes. Eligible IMG travel insurance plans include emergency medical evacuation benefits when medically necessary, subject to the policy's terms and coverage limits.
Compare factors such as trip cancellation benefits, emergency medical coverage, evacuation limits, trip cost, destination, traveler age, and the waiver eligibility requirements to select the plan that best fits your travel needs.
Purchase your plan as early as possible after booking your trip. The purchase deadline varies by plan. For example, iTravelInsured Travel SE and ITravelinsured Choice requires you to buy the plan within 21 days of your initial trip deposit, while iTravelInsured Travel LX allows eligible travelers to qualify for the pre-existing condition waiver if they purchase the plan within 24 hours of their final trip payment. Always review the policy requirements to ensure you qualify.
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