Everything You Need to Know Before Traveling or Moving Abroad
Securing international health insurance is one of the most important steps when planning to live or travel abroad. However, for individuals with pre-existing conditions, finding the right health coverage can be tricky. Fortunately, international insurance options are becoming more inclusive, offering tailored solutions to ensure that people with chronic illnesses or previous medical diagnoses aren’t left unprotected.
What is a Pre-existing Condition?
A pre-existing condition is any illness, injury, or health issue that existed before the start date of your insurance policy. This could include:
- Chronic diseases like diabetes, hypertension, or asthma
- Past surgeries or treatments for conditions like cancer or heart disease
- Mental health issues, including anxiety and depression
Insurers usually assess your medical history during the underwriting process. Depending on the policy, they might offer limited coverage, impose a waiting period, or charge a higher premium for people with pre-existing conditions.
Why International Health Insurance is Essential
While some countries offer public healthcare to residents or travelers, it may not cover all your needs especially if you have a medical history. International health insurance provides:
- Global coverage in multiple countries
- Access to private hospitals and specialists
- Convenient direct billing options to simplify payment
- Emergency evacuation and repatriation services
- Stay protected and stress-free overseas
But for those with pre-existing conditions, the challenge lies in finding plans that offer sufficient coverage without hefty exclusions.
Do International Health Insurance Plans Cover Pre-existing Conditions?
The short answer: it depends on the provider and the policy. Most international health insurance companies take one of the following approaches:
Full Coverage with Medical Underwriting
Some providers will assess your condition and offer full or partial coverage for it, possibly with a premium increase. This is common for manageable or well-controlled conditions.
Exclusion of Pre-existing Conditions
Some insurers might accept your application but exclude coverage for pre-existing conditions. For instance, if you have asthma, your plan might not cover respiratory issues.
Waiting Periods
A few insurers may offer limited coverage after a waiting period, such as 12–24 months if no complications arise in that time.
Moratorium Policies
Applicants aren’t required to submit a full medical history right away. However, they will exclude any condition that shows symptoms or requires treatment during the initial period (usually two years).
Best International Health Insurance Providers for Pre-existing Conditions
Some international health insurance companies are known for offering more flexibility regarding pre-existing conditions. These include:
- Cigna Global – Offers customized plans with options to apply for pre-existing condition coverage.
- Allianz Care – May cover certain conditions after evaluation.
- GeoBlue (Blue Cross Blue Shield) – Known for covering U.S. citizens abroad with some options for pre-existing conditions.
- IMG Global – Provides both exclusion and inclusion options depending on underwriting.
Always check the policy terms and speak to a representative to clarify what is and isn’t covered.
Steps to Secure Insurance with a Pre-existing Condition
When applying for international health insurance, follow these tips to improve your chances of getting coverage even with a pre-existing condition:
- Be Honest and Detailed
Provide complete and accurate health details in your application. Hiding or downplaying medical history can result in denied claims later.
- Provide Supporting Documents
Include medical records, doctor’s notes, or treatment plans to show that your condition is under control.
- Shop Around
Not all providers treat pre-existing conditions the same. Compare quotes and terms from multiple insurers.
- Work with a Broker
Insurance brokers can help you find the best deal and negotiate directly with insurers on your behalf.
Frequently Asked Questions (FAQs)
Can I get international health insurance if I have cancer?
It’s possible, but the cancer and related treatments may be excluded. Some providers may offer partial coverage or impose a waiting period.
Are mental health conditions considered pre-existing?
Yes, these mental health conditions are commonly considered pre-existing and are only eligible for coverage if they’re disclosed and approved during the application process.
What are the risks of not revealing a pre-existing condition?
If the insurer discovers undisclosed health issues later, they can void your policy or deny claims even for unrelated medical expenses.
Conclusion
Having a pre-existing condition doesn’t mean you can’t get international health insurance but it does mean you’ll need to be more strategic and selective. With the right provider and policy, you can access quality care abroad and protect yourself from high out-of-pocket costs.