Most of our policies don’t cover pre-existing conditions, so don’t assume you’re covered.
Having a pre-existing medical condition isn't a reason to stop traveling, but it can affect your travel insurance and what you’re covered for. Whether you're traveling off the grid or blogging in it, it's best to know if we can cover your pre-existing condition before your travel, so you're not caught unaware.
A pre-existing medical condition is any ongoing medical or dental condition that is either under investigation by a doctor, dentist or chiropractor, or you have experienced symptoms of the condition and are aware of them. It may also be any condition(s) you experienced within a specified period of time before you purchased your policy, for example in the previous 90 days, 180 days or other specified period of time.
It’s important that you read your policy wording and any definition of a pre-existing medical condition and determine if the cover offered will meet your needs.
In addition, if you took out cover after you left home, there may be a waiting period (called a time excess in some policies) of up to 72 hours before the insurance takes effect, depending on your Country of Residence. Any illness or injury that occurs during this waiting period may be considered a pre-existing medical condition for the remaining period of your insurance.
Our policies do not cover pre-existing medical conditions, but they still cover many events for travelers with pre-existing medical conditions that can take place while on the road, as long as the event is not as a result of the pre-existing medical condition(s). This includes cover for:
Our policy may also cover cancellation if, after you’ve purchased the policy and before you start your trip, you or someone whose health your trip is dependent on suffers a serious illness or injury.
It can be.
To find out more about Coronavirus (COVID-19) coverage for your Country of Residence, select your Country in the top left hand corner of this screen. Or to read more about what cover applies to you, read our What’s Covered for Coronavirus article which has all of the details, including benefit limits, conditions and exclusions.
Coverage depends on your Country of Residence and varies between plans.
Travel insurance isn’t designed to cover everything. The main things that aren’t covered are:
This isn't a full list of what's covered and not covered. There are item limits, conditions and exclusions that apply, so for more information check out our article on pre-existing medical conditions and read your policy wording carefully before you buy. If you’re not sure if something is covered get in touch.
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.
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.
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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.
Coronavirus (COVID-19) and travel - Need to know before you buy
Some but not all of our policies provide cover for some coronavirus-related events – select your Country of Residence to find out more. Cover is not available for loss arising from: government intervention including travel bans, border closures or broadly imposed quarantine requirements; events for which the Government (see your policy) has issued a ‘Do Not Travel’ warning or its equivalent, for your destination(s); or failure to follow advice from official bodies. Your ability to travel may be affected by travel restrictions. Check your cover and the latest government advice and our travel insurance alerts.