Do any of your expat travel insurance plans cover pre-existing medical conditions?

Our expat travel insurance can provide cover for pre-existing medical conditions, but only if you select the Stable Conditions Extension and pay an additional premium. By default, pre-existing conditions are excluded from standard policies, so it’s important to consider this option if you have ongoing or prior health issues.

The Stable Conditions Extension is designed to give you peace of mind when travelling abroad by ensuring that medical treatment for your pre-existing conditions is included in your cover. To be eligible, your condition must generally be stable, which means that it hasn’t changed or required treatment adjustments within a certain period before your policy starts. Once included, the extension covers emergency medical treatment, hospitalisation, and any necessary medical evacuation related to your condition, alongside the other benefits of your policy.

We recommend carefully reviewing the terms of the extension before you travel. You should disclose all relevant medical information during the application process, as this ensures that your policy is valid and that you receive the protection you need. Our team is available to guide you through selecting the appropriate cover and any additional premiums required.