Travel Insurance with Pre-Existing Condition Waiver
Planning a trip with a pre-existing medical condition? Travelex Ultimate helps eligible travelers protect their vacation with a Pre-Existing Condition Exclusion Waiver when the plan is purchased within the required eligibility period and all plan requirements are met. In addition to the waiver, the plan includes trip cancellation and interruption coverage, up to $250,000 in emergency medical coverage, up to $1 million in emergency medical evacuation, baggage protection, and 24/7 travel assistance giving you comprehensive protection before and during your trip.
What Is a Pre-Existing Condition Waiver?
A Pre-Existing Condition Waiver is a benefit available with select travel insurance plans that removes the standard exclusion for eligible pre-existing medical conditions. If you meet the plan's requirements-such as purchasing coverage within the specified time after making your initial trip deposit and insuring the full non-refundable trip cost-claims related to a pre-existing condition may be covered according to the policy terms.
For travelers with ongoing medical conditions, this waiver provides added financial protection if an eligible pre-existing condition results in a covered trip cancellation, trip interruption, or emergency medical situation while traveling. Travelex Ultimate includes a Pre-Existing Condition Waiver for eligible travelers who satisfy the plan's purchase requirements, helping you travel with greater peace of mind.
Who Should Consider Travelex Ultimate?
Travelex Ultimate with the Pre-Existing Condition Waiver is a strong fit for:
- Travelers managing a chronic condition (diabetes, heart conditions, asthma, controlled cancer, etc.) who want cancellation and medical protection tied to that condition.
- Cruise travelers and international travelers who want higher medical and evacuation limits.
- Families who want kids-included pricing on a comprehensive plan.
- Anyone buying insurance soon after their first trip deposit who wants to lock in waiver eligibility while it's still available.
Example: A traveler with well-controlled diabetes buys Travelex Ultimate within 21 days of their first trip deposit and insures their full trip cost. If a diabetes-related complication forces them to cancel or seek emergency care abroad, they may be covered - because they met the waiver's timing and eligibility requirements.
Example (waiver missed): A traveler with a pre-existing heart condition waits three weeks after their initial trip payment to buy coverage. Because they missed the purchase window, any cancellation or medical claim tied to that heart condition would likely be excluded - a reminder that timing is the most important part of qualifying.