Travel insurance jargon can feel overwhelming, but we’re here to simplify it for you. Let’s break down pre-existing medical conditions and how Faye Travel Insurance can help you stay protected—just in time for your next adventure.

Why pre-existing condition coverage matters
Travel is full of the unexpected, and for those with pre-existing conditions, having the right coverage can make all the difference. Without it, a medical evacuation from Europe could range between $65,000 and $90,000, depending on the circumstance, and treatment abroad may not be covered by your health insurance.
Pre-existing condition coverage makes sure you can travel confidently, knowing you can be protected from financial risks if complications arise.
What is a pre-existing condition?
A pre-existing condition refers to any illness, disease, or other medical condition that required treatment, prescriptions, or medical examinations within 180 days prior to purchasing your travel insurance policy.
This could mean:
- You’ve been advised to undergo a test, examination, or treatment for a condition that manifested, worsened, or showed symptoms that would prompt a reasonable person to seek medical care.
- You received a prescription for medication. (Note: Conditions treated solely through prescription drugs that remain stable without changes in dosage or frequency during the 180-day period prior to coverage are not considered pre-existing conditions.)
- Your prescribed medication was adjusted—whether reduced, increased, or replaced—due to the worsening of the condition being treated.
Coverage for pre-existing medical conditions
If you have a pre-existing medical condition, Faye can help protect your trip with our pre-existing conditions waiver. This waiver removes the typical exclusion for pre-existing conditions if you meet the following criteria:
- You purchase your policy within 14 days of your initial trip deposit
- You are medically able to travel when you purchase your policy
Did you know? Faye plans may also cover pregnancy complications while traveling—because life doesn’t hit pause when you’re on the move.
What is a pre-existing medical conditions waiver?
Pre-existing conditions are typically excluded from most travel insurance plans, including Faye’s. However, this exclusion can be waived if you meet the requirements outlined above.
The best part? There’s no age restriction or extra cost for this waiver—it’s automatically included in your Faye policy if you qualify.
Submitting claims for pre-existing medical conditions
Filing a claim for a pre-existing condition is simple:
- Gather your documents:
• Proof of trip (e.g., flight itineraries, hotel confirmations).
• Physician documentation explaining the condition that required cancellation or interruption.
• Proof that you qualify for the pre-existing conditions waiver. - Log in to the Faye app:
• Navigate to the ‘File a claim’ section. - Submit your claim:
• Upload your documents and add any relevant details as prompted. - Track your claim in real time:
• You’ll get updates directly in the Faye app, so you’re always in the loop.
Learn more about how to file a claim with Faye here.
Faye: Protection that goes the distance
From takeoff to landing—and every moment in between—Faye is by your side. With 24/7 support, we’re here to help you find a doctor, locate the nearest pharmacy, and handle unexpected challenges.
Make this trip memorable—for all the right reasons.