Most travel insurance plans contain an exclusion for pre-existing conditions. This means any loss caused by a pre-existing condition is not covered. This is normally listed in the general policy exclusions, which means it affects all coverage for that plan. However, look closely when comparing plans because some do not apply the exclusion to t medical evacuation & repatriation coverage. When this is the case, a traveler could have a medical emergency and, even though it is related to something that is pre-existing, they could still receive emergency medical transportation benefits from their travel insurance.
Many plans will waive the pre-existing condition exclusion for all coverage benefits, simply put, pre-existing conditions can be covered. This can be available if certain criteria is met prior to purchase. For most plans, this means the policy is purchased within a short amount of time from the first trip payment, anywhere from 24 hours to 30 days, though 14 days is the norm. As soon as the traveler makes the first booking or deposit, whether it is with frequent flier miles or a cash deposit, the clock is ticking.
There are two companies that use the final payment date instead of the trip deposit date to determine whether pre-existing conditions are covered. HTH Worldwide and CSA Travel Protection both have plans that waive the pre-existing condition exclusion if the policy is purchased before the final trip payment.