How To Get Travel Insurance For Pre-Existing Medical Conditions?

Travel insurance is essential for anyone planning a trip, but finding adequate coverage can be more challenging if you have a pre-existing medical condition. A pre-existing condition may lead to higher premiums, limited coverage, or even denied claims if not properly disclosed. 

However, it is possible to find travel insurance that covers pre-existing medical conditions with some research and understanding of the process. This article will outline the steps to get a travel coverage plan with pre-existing medical conditions. 

What is a Pre-Existing Disease?

Travel Coverage plan is essential for anyone planning a trip, especially those with pre-existing conditions. A pre-existing disease refers to a person’s medical condition before purchasing a travel insurance plan. It is crucial to disclose any pre-existing conditions to the travel coverage provider when purchasing a plan to ensure that the policy covers any potential medical emergencies related to the condition.

How to identify if you need PED Coverage Under Travel HealthCare Insurance?

When planning a trip, it’s important to consider all aspects of travel healthcare insurance, including whether or not you have a pre-existing disease. You may need additional coverage to protect yourself while travelling if you have a pre-existing medical condition. Whether you will need pre-existing disease coverage or not under a travel coverage plan depends on the nature of your condition and the type of travel you are undertaking. 

A universal travel pass may have significant implications for travel healthcare insurance, especially for travellers with pre-existing medical conditions. Insurance providers may use the pass to assess the risk of insuring a traveller with a pre-existing condition. 

For example, if a traveller has a pre-existing medical condition that makes them more susceptible to COVID-19, an insurance provider may charge a higher premium or exclude COVID-19-related coverage. 

Which PED impacts your Travel HealthCare Insurance?

When purchasing travel healthcare insurance, you must consider any pre-existing medical conditions you may have. Pre-existing conditions can impact the coverage and cost of your policy. Some of the most common PEDs that can affect your travel insurance plan are:  

  • Cardiovascular Diseases 
  • Diabetes
  • Cancer
  • Respiratory Conditions
  • Mental Health Conditions


It’s essential to disclose any pre-existing medical conditions when purchasing travel healthcare insurance. If you fail to disclose your condition, your insurer may reject your claim or cancel your policy.  

4 Impacts of PED on your Travel HealthCare Insurance 

The following are the impact of PED on travel coverage plan:

1. Limited Coverage

Your travel coverage may be limited if you have a pre-existing medical condition. Your insurance provider may exclude coverage for any medical condition related to your PED. 

2. Higher Premiums

Travel Coverage providers may charge higher premiums for individuals with pre-existing medical conditions. It is because people with pre-existing medical conditions are considered to be at higher risk of requiring medical treatment while travelling.

3. Medical History Disclosure 

When applying for travel healthcare insurance, you must disclose your medical history accurately. Failing to disclose your pre-existing medical conditions can result in your insurance claim being denied. 

4. Limited Medical Coverage

Travel coverage for pre-existing medical conditions may only be limited to emergency medical treatment. Your insurance provider may exclude coverage for pre-existing conditions requiring ongoing medical treatment.

How to get Travel  HealthCare Insurance with Pre-Existing Illness?

Here’s a step-by-step process for getting a travel insurance plan with a pre-existing illness. 

1. Research Insurance Providers

Start by researching travel coverage providers that offer coverage for pre-existing medical conditions. Look for providers that specialise in this type of coverage. 

2. Provide Medical Information

In addition to disclosing your pre-existing medical condition, you may be asked to provide additional medical information. This could include medical records, doctor’s notes, or a letter from your physician.

3. Complete A Medical Questionnaire

Many travel coverage providers will require you to complete a medical questionnaire as part of the application process. Be thorough and accurate when filling out the questionnaire. 

4. Review Policy Terms

Before purchasing travel healthcare insurance, review the policy terms carefully. Look for coverage exclusions related to your pre-existing medical condition. 

5. Consider A Waiver Of Pre-Existing Conditions

If you meet certain criteria, such as purchasing your policy within a certain timeframe or being medically stable for a specified time, your pre-existing medical condition may be covered under the policy.


Getting travel healthcare insurance with a pre-existing medical condition can be challenging, but ensuring that you are adequately covered while travelling is crucial. Disclose your pre-existing medical condition, research insurance providers that offer coverage for pre-existing medical conditions and review policy terms before deciding. 

Consider Niva Bupa’s best Health Insurance plans for your travel coverage needs, as they specialise in providing coverage for pre-existing medical conditions. You can check out their website for more information.

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