Often, if the condition was stable before you left. Most plans cover a pre-existing condition only if it didn’t change during the stability period, which is often 90 or 180 days. If it changed, a claim related to it may be refused. Some plans offer an optional rider, at extra cost, with a shorter stability period, needed only if your health changed during the standard period.
Are pre-existing conditions covered by travel insurance?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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More about travel insurance
Emergency medical care, trip cancellation and interruption when you leave your province or Canada.
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