Ask Dan: Pre-existing Medical Conditions Waiver

By Dan Drennen, Director, Travel

  • Originally published May 1, 2013 , last updated December 30, 2015
Ask Dan: Pre-existing Medical Conditions Waiver

So what’s on your mind? Trip cancellation? Pre-existing medical conditions? Annual multi-trip plans? High-risk destinations? Group insurance? Send Dan your question today! Email or tweet @DDrennenTIC.

Martha T. of Illinois asks:

“I am going on a Norwegian Seas cruise in June and I just made my first trip payment yesterday. I have pre-existing medical conditions and want coverage for emergency medical and medical evacuation, but not trip cancellation. I’ve already spoken to two other company representatives today who said they can’t cover pre-existing medical conditions. Can you help me?”


Yes, I can Martha. The representatives you spoke with most likely represent International Medical Insurance plans which typically have a 1 to 3 year look back period for any pre-existing medical conditions that may have existed or that you currently have. Anything newly diagnosis or currently being treated would be excluded from coverage on those plans.

That said, you may purchase a travel protection plan, even without insuring the pre-paid non-refundable cost of the trip (zero trip cost insured), and still qualify for the waiver of pre-existing medical conditions exclusion clause.

All you need to do is purchase the insurance within a certain number of days (21 days in this case). Travelex Insurance Services has a plan called Travel Plus that offers the waiver of pre-existing conditions even if you do not insure the trip cost. To cover you (age 68) for the two month cruise, and providing $75,000 in primary medical coverage (no deductible) and $2,000,000 for emergency medical evacuation, your premium would be $217.00

Please note: 4 out of the 5 Travelex plans we broker offer the waiver of pre-existing medical conditions exclusion clause without insuring the trip cost. Just purchase within 21 to 30 days (depending on the plan) of the initial trip payment to qualify.

—Dan Drennen

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