Most of our policies don’t cover pre-existing conditions, so don’t assume you’re covered.

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For information relating to policies purchased prior to 17 June 2021, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 17 June 2021 please see below.

Don't assume you're covered

Having a pre-existing medical condition isn't a reason to stop travelling, but it can affect your travel insurance and what you’re covered for. Whether you're travelling off the grid or blogging in it, it's best to know if we can cover your pre-existing medical condition(s) before your travel, so you're not caught unawares.

What is a pre-existing medical condition?

The following can help determine if you, your travel companion, a close relative or someone upon whom your trip depends has a pre-existing medical condition, as defined in our Policy Wording. If any of the following exist at the time you buy your policy, start your trip, extend your policy or resume your trip after returning home early, then we’ll consider that you have a pre-existing medical condition:

  • A medical or dental condition or related complication for which advice, treatment or medication has been prescribed by a medical practitioner, dentist or a chiropractor within the 180 days, and of which you are aware, before: (a) purchasing your policy; (b) starting your trip; (c) extending your policy; or (d) resuming your trip after returning home early; or
  • Ongoing medical or dental condition, or related complication you have, the symptoms of which you are aware at the time of (a) purchasing your policy; (b) starting your trip; (c) extending your policy; or (d) resuming your trip after returning home early; or
  • Ongoing medical or dental condition, or related complication which is currently being or has been investigated by a medical practitioner, dentist or a chiropractor; and of which you are aware at the time of (a) purchasing your policy; (b) starting your trip; (c) extending your policy; or (d) resuming your trip after returning home early.

In addition, if you took out cover after you left home, there is a time excess (waiting period) of 72 hours before the insurance takes effect and only for events first occurring after those 72 hours. Any illness or injury that occurs during this waiting period will be considered a pre-existing medical condition.

How are pre-existing medical conditions covered by travel insurance?

Our policies still cover many events for travellers with pre-existing medical conditions, as long as they don’t occur as a result of the pre-existing medical condition(s). These include cover for:

  • Baggage and personal belongings
  • Medical expenses – for unexpected serious illness and accidental injury, including evacuation and repatriation home
  • Natural catastrophe
  • Lost or damaged passport, licence or other travel documents
  • Travel delay
  • On our Explorer Plan, the section Coronavirus Travel Costs covers some Coronavirus related events.

You can check out our Coronavirus cover article which has all of the details, including benefit limits and exclusions

When may a pre-existing medical condition be covered?

We do not cover any claims arising from pre-existing medical conditions.

Our policy covers cancellation if, after you’ve purchased the policy and before you start your trip, you, your close relative or a member of your travelling party suffers a serious illness or accidental injury or unexpectedly dies. 

The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.  

Find a travel insurance provider if you have a serious medical condition

If you’re concerned our plans do not provide cover for a pre-existing medical condition that you have, you can visit the Money and Pensions Service’s travel directory (MaPS) which lists providers specialising in offering travel insurance to people with serious or life-threatening medical conditions.

MaPS Directory

If your pre-existing medical condition isn't covered and you're not worried about covering it, you can still purchase a policy online through World Nomads. Just be aware there's no coverage for any claim made as a result of this pre-existing condition.

New Diagnosis in Mexico

I realized I had forgotten a medication (clonazepam) that I take for insomnia. I visited a doctor in Mexico City the next day and got a prescription for the medication. However, he also diagnosed me with a condition that I was not aware of (hyperthyroid) and suggested that the medication would help with the condition on a short-term basis. He suggested that I get a blood test for hyperthyroid, which I just did in Boston.

J. D. US Nomad in Mexico.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalized?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medevac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.