Our picks of the best travel insurance for pre-existing conditions
Advertiser Disclosure
Why We Like It
- Offers coverage for pre-existing conditions
- Money-back guarantee
- Cancellation & Interruption coverage standard
- Covers action sports & equipment
- Cancel for any reason not included standard
- Must meet waiver for pre-existing conditions to be covered
Why We Like It
- Lowest cost of all Generali Global Assistance plans
- 24/7 emergency travel assistance included
- Telemedicine included
- Lower coverage than other Generali plans
- Pre-existing conditions are not covered by the Standard plan
- No coverage for accidental death and dismemberment during on-land travel
Why We Like It
TinLeg has the highest customer rating of all providers we compared that offer coverage for pre-existing medical conditions. TinLeg Silver offers $1 million in evacuation and repatriation coverage, as well as $250,000 in primary medical coverage. This means the policy will pay the bills for you instead of having to pay out of pocket and waiting to be reimbursed.
It also includes trip cancellation, interruption, and delay coverage, as well as lost baggage coverage. You’ll also get a 14-day money-back guarantee included in the plan.
Of the plans offered by TinLeg, the Silver plan has a higher coverage limit for emergency medical evacuation than other plans offered by the provider. This is important as travelers with pre-existing medical conditions are likelier to need medical assistance.
At the time of writing, pre-existing conditions waiver stipulates you can be covered if:
- You purchase the policy within 14 days of your initial trip deposit.
- You are not disabled in a way that prevents you from traveling when you pay the premium.
- You should be medically able to travel when you buy the plan.
- You must insure 100% of your trip cost.
- The trip you are insuring is your first and only booking for that travel period and destination.
Read our full review
- Offers coverage for pre-existing conditions
- Money-back guarantee
- Cancellation & Interruption coverage standard
- Covers action sports & equipment
- Cancel for any reason not included standard
- Must meet waiver for pre-existing conditions to be covered
Why We Like It
- Excellent primary coverage for medical expenses
- High limit for emergency evacuation coverage
- Optional cancel for any reason (CFAR) coverage available
- Comes with coverage for hurricanes and inclement weather
- Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
- Baggage delay coverage requires a 24-hour waiting period
- Low coverage limits for baggage and personal effects
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This is important as travelers with pre-existing medical conditions are likelier to need medical assistance. \n\nAt the time of writing, pre-existing conditions waiver stipulates you can be covered if: \n* You purchase the policy within 14 days of your initial trip deposit.\n* You are not disabled in a way that prevents you from traveling when you pay the premium.\n* You should be medically able to travel when you buy the plan.\n* You must insure 100% of your trip cost.\n* The trip you are insuring is your first and only booking for that travel period and destination.\n\n{: .arrow-link}\n\n[Read our full review](https://www.latimes.com/compare-deals/insurance/travel/tin-leg-travel-insurance-review)","full_policy_detail_title":"Full Policy 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