Are Pre-existing Conditions Covered by Travel Insurance?

Travel insurance policies generally exclude pre-existing medical conditions, defined as conditions present before your policy's start date. All travel insurance will have a 'stability period' -often requiring stability in the pre-existing condition(s) for a set period (e.g., 3-months, 6-monnths, 9-months) prior to departure. If a condition hasn't been stable within this timeframe and you file a claim related to it, it will typically mean that any medical expenses relating (directly or indirectly) to the condition will not be covered.