Certified Travel Agent Practice Test

Are pre-existing medical conditions covered by most travel insurance policies?

1. Yes, they typically are

2. No, they typically are not

3. Only if disclosed

4. Depends on the policy

The correct answer is: No, they typically are not

Most travel insurance policies do not typically cover pre-existing medical conditions. This means that if a traveler has a medical condition prior to purchasing the insurance, any related incidents that could arise while traveling would generally not be covered. Many insurance plans have specific clauses that exclude coverage for conditions that were already known or existed before the policy was purchased. This standard practice helps insurers manage risk, as covering pre-existing conditions could lead to significant financial losses if claims related to these conditions were made frequently. While there are some policies that offer coverage for pre-existing conditions under certain circumstances—sometimes requiring that the condition is disclosed or that specific eligibility criteria are met—these provisions are not common and usually come with specific limitations. Therefore, for the majority of standard travel insurance policies, pre-existing medical conditions are generally not covered.