The majority of travel health insurance providers will not cover pre-existing conditions. Or any conditions you already received treatment before signing up for the travel health insurance.
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This article explains travel health insurance.
⚙️ What is a pre-existing condition?
An illness, a disease, or an injury that existed knowingly before starting a health insurance plan, is called a pre-existing condition. A pre-existing condition can be diabetes, COPD, cancer, depression, or sleep apnea are examples of pre-existing conditions. Pre-existing conditions (mostly) share the characteristic of being chronicle, or long-term conditions, which require special medical care and treatments.
☔️ Who covers pre-existing conditions?
- National health insurance providers offer residents of that specific country the cover of pre-existing conditions. They have to do so, by law, for example in the USA for US residents, or in Germany for German residents. However, as you travel internationally, these insurances will most likely not apply to your situation.
- Travel health insurance providers will most likely not cover your pre-existing condition. In the event, you get, e.g. cancer during your current travel health insurance cover, once this current cover ends, the cancer is now a pre-existing condition for your re-subscription. But pre-existing conditions are most likely not covered by travel health insurance. Re-subscriptions are new contracts, as you can not extend your current contract.
🚦 What might health insurance providers do?
When you have a pre-existing medical condition or a pre-existing medical history, for example, a chronic illness or a severe allergy, health insurance providers often do the following:
- Exclude cover for pre-existing conditions completely.
- Health insurance plans become more expensive depending on pre-existing conditions.
- Health insurance plans become completely unavailable if you have certain pre-existing conditions.
- Health insurance providers require a list of all pre-existing conditions upfront.
- Some may also include pre-conditions from up to many years ago.
- Providers add current medical conditions to your pre-existing conditions upon policy renewal.
Tip: Check your own medical history. If you have pre-existing medical conditions, find out with your health insurance provider or in your health insurance policy which ones are covered and how they are covered.
🛟 Travel health insurance with Genki
Genki Explorer
- Who is this for: Short-term travelers and digital nomads with long-term health coverage at home.
- Region of cover: Worldwide. Every single country. Depending on your travel plans, you can choose to have full or limited cover in the USA & Canada.
- Home country: Your chosen home country should be a country where you have no visa restriction and access to long-term health coverage, like local health insurance or the public health system. However, visiting friends and family is covered for up to 42 consecutive days within 180 days.
- Inclusions & exclusions: Medical emergencies and medically necessary treatments (ear infection, flu), initial mental health issues, and sports injuries are covered. Pre-existing conditions and pre-existing pregnancies are not covered. See all benefits.
- Monthly costs: Genki Explorer starts from €48.30 a month (prices for ages 0-29). The monthly costs depend on the chosen deductible, and if you want to include or exclude the USA & Canada.
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Are you looking for a cover beyond travel health insurance?
Have a look at what Genki Native offers.
Have a look at what Genki Native offers.
☂️ International health insurance with Genki
Genki Native
- Who is this for: Digital nomads, expats, and other long-term travelers who want complete health cover.
- Region of cover: Worldwide (limited in Canada & USA).
- Period of cover: As long as you want. Life-long if you wish. The minimum contract is 1 year with a monthly payment plan.
- Home country: Genki Native is available for people from every country (even nomads without any legal residence). You can choose to have limited or full cover in your country of citizenship.
- Genki Native Basic: Genki Native Basic covers necessary medical treatment (inpatient and outpatient treatments) at any licensed doctor or hospital up to €1,000,000 per year. That includes accidents and emergencies, as well as common illnesses and injuries.
- Genki Native Premium: Genki Native Premium also covers preventive care/check-ups, plus dental, vision, maternity, mental health, and more. Genki Native Premium has no overall limit for medical costs and also includes full cover in your country of citizenship.
- Monthly costs: Genki Native starts from €180 a month (prices for ages 20-34). The monthly costs depend on the result of a medical questionnaire, your age, the chosen deductible, and the region of cover (incl. or excl. USA and Canada).
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Back to the health insurance guide
Online guide: Nomad health insurance explained in easy words.
Do you struggle to find the ideal travel health insurance? We explain different aspects and industry terms to help you make the best decision.
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