International Medical Assistance and Pre-existing Conditions
If you have a chronic condition, you don't have to go without cover: some plans include emergencies arising from conditions you already had, as long as you declare them when you get a quote.
What is it?
Unlike standard travel insurance, which completely excludes pre-existing conditions, this cover expressly includes them: it protects you in an emergency related to a chronic illness that was already diagnosed or treated before you bought the insurance, provided you declared it correctly.
Conditions usually included
- Type 1 and type 2 diabetes
- Hypertension
- Asthma and other respiratory diseases
- Coronary heart disease
- Rheumatoid arthritis
- Autoimmune diseases
- Cancer under treatment
- Controlled psychiatric disorders
Included cover
- Specialist medical consultations and treatment
- Prescription medicines for your chronic condition
- Hospitalisation and surgery
- Diagnostic tests (lab tests, imaging)
- Psychological support
- Medical repatriation and sanitised transport to your country
The exact amounts and scope of each cover depend on the chosen plan and are stated in the voucher issued at the time of purchase.
Declaring is mandatory
Your pre-existing condition must be declared when you get a quote for the cover to be activated. If you don't declare it, the insurer may reject your claim when you need it.
Requirements and limitations
- Declare your pre-existing condition when you get a quote, so that the cover is activated
- Some plans have a waiting period (15 to 30 days) before it is activated
- The geographical scope varies by plan: check whether your destination is included
Travelling with a chronic condition?
Get a quote for insurance with pre-existing condition cover.
A tip before you get a quote
To get a quote for plans with pre-existing condition cover, follow these 2 simple steps:
- 1Fill in your trip: country of residence, destination, dates and the age of each passenger.
- 2On the next page you will see the available plans: choose a plan and select the "Pre-existing Conditions" cover ✅.