Travel Insurance for
Pre-Existing Conditions

A pre-existing condition is generally any illness, injury, or medical issue for which you received a diagnosis, treatment, medical advice, or medication changes before your plan's effective date. This may include chronic conditions, past hospitalizations, or ongoing therapies. The specific definition may vary by plan, so reviewing your plan document is recommended.

Please note that the definition of pre-existing condition varies by plan and policy form. Please consult your policy for the applicable definition.

AXA’s travel insurance is available to travelers of many age groups, including older adults. While some travel insurance plans may have age-related limits or exclusions, many are designed to accommodate the specific needs of senior travelers. It’s important to review the plan details closely, as benefits, pricing, and eligibility can vary depending on your age and the type of coverage selected. Planning ahead allows you to choose a travel protection plan that supports your health needs and trip goals.

Coverage for Coverage for pre-existing conditions may be available if your travel protection plan includes a Waiver of the Pre-Existing Condition Exclusion and you meet the eligibility requirements. This typically includes purchasing the plan within 14 days of your initial trip payment and being medically able to travel at the time of purchase. Without meeting these criteria, benefits related to pre-existing conditions may be excluded.

Please note that the 14-day time period may vary across states, plans, and certain situational factors.

The look-back period is the window of time before your plan's effective date during which your medical history is reviewed to identify pre-existing conditions. If your condition changed, required new treatment, or had new symptoms during this period, it may affect coverage unless a waiver applies. The length of the look-back period varies by plan.

You are not typically required to disclose your medical history at the time of purchase. However, if you file a claim related to a medical issue, documentation such as medical records or billing history may be requested to determine whether the condition is pre-existing. Retaining relevant records is recommended.

If your condition changed or became unstable during the look-back period, it may affect eligibility. However, if your plan includes a Waiver of the Pre-Existing Condition Exclusion and eligibility requirements are met, coverage may still apply. Refer to your plan document for details on how stability is defined.

If your plan includes a waiver and eligibility requirements are met, trip cancellation benefits may apply if an unexpected medical event related to your condition forces you to cancel before departure. The condition must develop or worsen after your plan goes into effect, and documentation such as a physician's statement may be required.

The Waiver of the Pre-Existing Condition Exclusion is available on the Explorer OnTrip, Standard, Select, Elite, and North America Explorer travel protection plans, provided eligibility requirements are met. Refer to your plan document for complete details.

AXA's travel assistance services may help coordinate support for eligible medical needs in many international destinations. Coverage and services depend on local regulations, infrastructure, and plan terms. When criteria are met, AXA may help coordinate care or approved transportation during your trip.