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# 🩺 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**


### 🔍 Want to Read the Policy?

You can view the full policy wording here:  
📄 [TuGo Traveller Policy – PDF](https://www.datocms-assets.com/66146/1682695377-tugo_travel_policy.pdf)

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