🩺 Got a Pre-Existing Condition? Here’s What You Need to Know About Travel Insurance

Quick answer: Yup, you can usually still get travel insurance even if you’ve got some medical history. But there’s one big thing to pay attention to: stability.

🚨 First, What’s a Pre-Existing Condition?

Basically, if you’ve had any medical condition, symptom, or treatment before your travel insurance kicked in — even if you felt fine — that counts as a pre-existing condition. And it might not be covered unless it’s considered “stable.”

⏳ So What Does “Stable” Actually Mean?

Here’s where it gets specific — this comes straight from the policy:

To be considered stable, your condition must not have:

• Had any new symptoms
  
• Worsened in any way
  
• Required any new medications or changes in dosage
  
• Needed tests, investigations, or referrals
  
• Led to hospitalization, seen a specialist, or been recommended for surgery
  
• Been newly diagnosed

All of this has to hold true for a specific number of days before your departure — that’s called the stability period (usually 90, 180, or 365 days depending on your plan).

📌 So if you changed meds, saw a new doctor or your condition flared up recently — it might not be considered stable.

✅ Can I Still Get Covered?

Most of the time, yes — you can still buy a policy. But:

• You may need to fill out a medical questionnaire during the quote process
  
• Some conditions might be excluded if they aren’t considered stable
  
• If you’re in active treatment, getting palliative care, or have a terminal illness, you might not be eligible
  
• Good news: you’re still covered for unrelated emergencies, like accidents or other illnesses that have nothing to do with your pre-existing condition

• * *

🧠 Tip:

If you’re unsure whether your condition affects your eligibility or coverage:

• Review the TuGo policy wording

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🔍 Want to Read the Policy?

You can view the full policy wording here:
📄 TuGo Traveller Policy – PDF

Updated on: 05/05/2025