Best Travel Insurance Companies For Pre Existing Medical Conditions – Planning a summer vacation? Make sure your trip goes off without a hitch with the seven best travel insurance options for 2023. From comprehensive coverage to fast claim payouts, these providers offer peace of mind for your adventures.

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Best Travel Insurance Companies For Pre Existing Medical Conditions

Best Travel Insurance Companies For Pre Existing Medical Conditions

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Travel Insurance For A Pre Existing Condition

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. And that’s where travel insurance comes into the picture. For a relatively small additional cost, you can add a travel insurance plan to your itinerary that will give you complete peace of mind on your trip. That’s why we’ve compiled a list of the seven best travel insurances of 2023.

Before we dive deep into what each of the seven best travel insurance providers offer, scan the table below for the basics:

There are dozens of companies offering travel insurance, but these are our picks for the seven best travel insurance of 2023:

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Since the cost varies greatly based on travel date, destination, cost, and many other factors, we have determined this based on a cost quote from each provider using the same criteria.

*To provide a fair cost breakdown between different providers, we received quotes from each company based on the following criteria:

Keeping the above cost criteria in mind, let’s move on to our list of the seven best travel insurances of 2023:

Best Travel Insurance Companies For Pre Existing Medical Conditions

Coverage Options: Trip Cancellation, Delay, Emergency Medical, Medical Evacuation, Travel Cost Protection, Coverage Extension, Loss of Luggage and Personal Items, Missed Connection, Accidental Death, Rental Car Damage

Pre Existing Medical Conditions

Cancellation Policy: Trip cancellations, disruptions, storms and weather, terrorism, financial defaults, layoffs, medical or employment reasons, or cancellations for any reason

Squaremouth got our pick for best travel insurance provider because their search comparison engine enables you to enter information and then get quotes from every major provider in the country. The platform provides travel insurance to more than 2.4 million customers, with over $79 million in sales in the last 12 months alone.

The platform offers single trip travel insurance, annual travel insurance policies, cruise insurance, group travel insurance, and adventure and sports travel coverage.

Coverage Options: Trip Cancellation, Interruption, Travel Medical Insurance, Student Travel, Annual Travel, Visitor Insurance Coverage, Group Travel Insurance

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Seven Corners has been providing travel insurance for over 25 years and covers overseas travelers as well. Medical coverage for foreigners and US residents traveling internationally is offered under their contact travel medical insurance. It will cover eligible medical expenses, travel interruptions, and baggage, as well as give you access to the company’s international network of medical providers.

They will also arrange for emergency medical transportation and evacuation to the nearest medical facility that can provide adequate treatment.

Generali General has been in the travel insurance business for 30 years. Every plan they offer comes with a 10-day free look that gives you a chance to evaluate the policy. If you decide it doesn’t work for you, you’ll get a full refund.

Best Travel Insurance Companies For Pre Existing Medical Conditions

Generali General offers three different plans: Premium, Preferred, and Standard. While the Standard plan is best for travel within the United States, Premium is designed for international and sports-related travel, while Premium is for more expensive trips. Coverage options and amounts are listed in the screenshot below:

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Berkshire Hathaway Travel Protection is part of Warren Buffett’s Berkshire Hathaway Group, known for insurance (think Geico), among other things. Travel Protection is underwritten by Berkshire Hathaway Specialty Insurance Company, which has received an A++ (Superior) rating from insurance industry rating service AM Best.

Berkshire Hathaway Travel Protection offers three different plans, Exactcare Value, Exactcare, and Exactcare Extra, to help you choose coverage that will cost-effectively meet your needs. The coverages under each plan are as follows:

AXA Travel Insurance tops the list of providers in the travel assistance category. They do this by offering plans in conjunction with travel assistance services. The setup is designed to not only compensate you for the covered loss but also provide support during and after your loss.

AXA Travel Insurance offers three different plans: Silver, Gold and Platinum. Each of the three plans offers trip cancellation protection up to 100% of the trip cost. Accident and sickness treatment expenses are covered up to $25,000 on the Silver plan, but up to $100,000 on the Gold plan and up to $250,000 on the Platinum plan. (No deductible applies to accident and sickness plans.)

First Travel Insurance

Coverage Options: Emergency Medical and Dental, Pet Medical, Medical Evacuation and Repatriation, Accidental Death, Luggage, and Personal Effects

We especially like Travelex for their medical coverage, or what they refer to as “primary coverage.” This is a feature that enables you to file directly with the insurer for any covered medical claim. This eliminates the very common practice of requiring you to first file with your primary health insurance carrier.

Or, put another way, you only need to file a claim with one insurance provider, not two. And unlike traditional health insurance, primary coverage also comes with no deductible.

Best Travel Insurance Companies For Pre Existing Medical Conditions

Travelex also offers medical coverage for pre-existing conditions. There are certain requirements, including that you must be medically able to travel at the time the travel policy is purchased. They offer pet medical expense coverage of up to $1,000 (only available under the Travel America plan).

Cruise Travel Insurance

Coverage Options: Emergency Accident and Sickness Medical, Accidental Death and Dismemberment, Pre-Existing Condition Waiver, Goods and Personal Effects, Medical Evacuation

As one of the largest insurance companies in America, Nationwide offers more than just travel insurance. They offer most other insurance policy types, as well as retirement, banking and lending, and investment in life events and plans. They also offer business financial services, such as employee benefits and plans.

If you already have insurance coverage through Nationwide, purchasing your travel insurance with the same company would be a natural step.

Nationwide has travel insurance policies for cruise plans, single-trip plans, and multi-trip (or annual) plans. Each plan type also has two or three plan levels. Most plan types are available with pre-existing medical condition waivers (exception: annual travel insurance plans).

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The above is just a general list. Exactly what types of coverage options you get will depend on the travel insurance provider, the specific plan you select, and the plan level. Note that coverage options will vary at each step of the process.

We’ve provided a standard policy cost range for all seven travel insurance providers on this list, from $168 to $410 for two people traveling together. But that range is no better than an in-the-ballpark estimate based on a very specific travel profile.

What that range highlights, however, is that there is a wide range of costs when it comes to similar plans. Be sure to shop between multiple companies using the same travel criteria. And although it can be complicated, it’s also important to factor in the maximum dollar amount of benefits paid with any percentage limits applied to each.

Best Travel Insurance Companies For Pre Existing Medical Conditions

Many travel insurance companies advertise very low cost plans, starting as low as $59 per person. However, those are stripped-down plans with minimal coverage. The only way to know which company offers the most cost-effective travel insurance plan is to get quotes from each.

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It’s a matter of comparing apples to apples. It doesn’t matter which company advertises the lowest premium for the lowest plan, but rather what the cost will be for the level of coverage you need.

One way to reduce the cost of your next trip is to take advantage of one of the best travel rewards credit cards. The right card can save you hundreds of dollars on your next trip.

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COVID-19 ushered in a whole new era in travel, especially as it relates to travel risk. As a global pandemic, it affected the entire planet, which meant traveling to any destination. But now that the pandemic has been around for more than two years and vaccines have become widespread, the Covid-specific requirements have become more standardized from one country to another.

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Be sure to check the specific COVID-19 travel requirements for the state or country you plan to travel to. Information is generally available on the Internet.

As of June 2022, according to the Centers for Disease Control and Prevention (CDC), the COVID travel restrictions in the US are as follows:

CDC regulations for travel are constantly changing and should be reviewed before any travel. For international travel, be sure to consult the Internet for specific requirements in the destination country.

Best Travel Insurance Companies For Pre Existing Medical Conditions

CDC’s revised guidance implementing the President’s Proclamation for the Safe Resumption of Global Travel Amid the COVID-19 Pandemic expires on May 12, 2023.

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In addition to the above three criteria, we also considered popularity

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