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Does travel insurance cover pre-existing conditions?
As of 28 Oct 2026 (Singapore time)
Usually not. Most travel plans exclude a condition you had before the trip. Of the 22 insurers we compare, 7 sell a plan that covers stable pre-existing conditions, and 4 offer it as an add-on. The plans that cover them are usually for one traveller on a single trip of up to 30 days.
The figures
- Insurers compared: 22, with 665 plans between them.
- Insurers with at least one plan that covers it: 7.
- Insurers that sell it as an optional add-on: 4.
- Insurers that exclude it on every plan: 8, 2 of them with exceptions.
- Insurers whose documents do not say: 3.
- Cheapest plan that covers it, for one week in Thailand, one adult: Liberty TourCare Plus Standard, S$45.00.
- Median price among the insurers that cover it, for the same example: S$105.47.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| IncomeYesfrom S$105.47 | Yes | Enhanced PreX Basic18 of its 36 plansPre-existing medical conditions: Covered: overseas medical expenses up to S$300,000, emergency evacuation and sending you home up to S$300,000 each; no pre-existing cover for trip cancellation on this plan | S$105.47 |
| LibertyYes, with limitsfrom S$45.00 | Yes, with limits | TourCare Plus Standard6 of its 24 plansPre-existing medical conditions: Covered (Special Extension): overseas medical expenses up to S$50,000 (S$25,000 age 76-85; S$100,000 a family), emergency medical evacuation up to S$200,000 (S$100,000 age 76-85; S$500,000 a family), repatriation up to S$50,000 (S$20,000 age 76-85; S$200,000 a family); for a sudden, unexpected flare-up of a known condition only, on single trips of up to 30 days; not for a terminal illness or when travelling against medical advice or to seek treatmentExcluded: Pre-existing conditions (except the Special Extension under TourCare Plus Sections 2, 13 and 14) and terminal illness | S$45.00 |
| EtiqaYes, with limitsfrom S$56.70 | Yes, with limits | Tiq Travel Insurance Pre-Ex Entry3 of its 39 plansPre-existing conditions: Covered when stable and under control (the wording's conditions): overseas medical expenses up to S$75,000, overseas hospital income, emergency medical evacuation and repatriation up to S$150,000; single trips of up to 30 daysExcluded: Pre-existing conditions (unless insured under a Pre-Ex plan, within its sub-limits); terminal prognosis under 12 months | S$56.70 |
| MSIGYes, with limitsfrom S$86.00 | Yes, with limits | TravelEasy Pre-Ex Standard3 of its 43 plansPre-existing conditions: Pre-Ex Critical Care up to S$175,000 in all: inpatient hospital charges overseas up to S$75,000 (S$50,000 age 70 and above or a child) and emergency medical evacuation and repatriation up to S$100,000, for a stable, treated pre-existing conditionExcluded: Pre-existing medical conditions beyond section 52 Pre-Ex Critical Care (inpatient hospital charges and emergency evacuation only, within its limits); a condition is covered only if the five declarations hold at purchase | S$86.00 |
| Tokio MarineYes, with limitsfrom S$147.00 | Yes, with limits | TM Travel Trust Classic with Pre-Existing Medical Condition cover6 of its 30 plansPre-existing medical conditions: Covered (Pre-Existing Medical Condition Extension): overseas medical expenses up to S$150,000 (S$60,000 age 70-75; S$45,000 a child; S$300,000 a family; S$100 excess on each outpatient visit), emergency medical evacuation up to S$150,000 (S$75,000 age 70-75; S$50,000 a child), repatriation S$10,000, trip cancellation and postponement up to S$2,500 each, curtailment up to S$3,750 and travel interruption up to S$2,000 (50% co-payment on each claim), at most S$200,000 in all (S$100,000 age 70-75; S$50,000 a child; S$400,000 a family); for an acute onset during the trip, for up to 30 days from the onset; only if you follow your doctor's advice, have no undiagnosed or untreated condition and no hospital treatment or stay for a pre-existing condition in the last 12 months; not a terminal illnessExcluded: Pre-existing medical conditions unless the optional Pre-existing Medical Condition Extension is bought | S$147.00 |
| SinglifeYes, with limitsfrom S$148.46 | Yes, with limits | Travel Lite + Pre-existing Medical Conditions add-on30 of its 78 plansPre-existing conditions: Pre-existing Medical Conditions add-on included (trips up to 30 days): overseas medical expenses up to S$50,000 (S$30,000 above age 70) and emergency medical evacuation and repatriation S$50,000 due to a pre-existing condition; no hospital income or trip cancellation for it on Lite; excess S$100 for each outpatient visit for a pre-existing condition (no excess on other medical claims)Excluded: Pre-existing medical conditions beyond the add-on's limits (cover for them ends after 30 days of a trip) | S$148.46 |
| China TaipingYes, with limitsfrom S$231.00 | Yes, with limits | Business with Pre-Existing Medical Conditions cover2 of its 30 plansPre-existing medical conditions: Covered (Enhanced Pre-Existing Medical Conditions cover): overseas medical expenses from a pre-existing condition up to S$100,000 (S$80,000 above age 70; S$50,000 a child), emergency evacuation and repatriation up to S$150,000 each, trip cancellation up to S$5,000; the option triples the premium and is sold on single trips of up to 30 days for one travellerExcluded: Pre-existing medical conditions, congenital conditions; pregnancy and childbirth; HIV/AIDS and sexually transmitted diseases; epidemic or pandemic (outside the COVID-19 endorsement) | S$231.00 |
| HL AssuranceOptional add-onfrom S$23.20 | Optional add-on | Travel Assured Plus Basic (no COVID-19 cover)48 of its 48 plansExcluded: Pre-existing medical conditions (unless the optional pre-existing conditions add-on is bought) | S$23.20 |
| FWDOptional add-onfrom S$37.08 | Optional add-on | Premium54 of its 54 plansExcluded: Pre-existing medical conditions unless the optional Pre-existing medical conditions cover is bought; terminal illness under 12 months | S$37.08 |
| Great EasternOptional add-onfrom S$40.00 | Optional add-on | Basic13 of its 13 plansExcluded: Pre-existing conditions, unless the optional pre-existing conditions add-on (Gold and Platinum only) is bought | S$40.00 |
| EQ InsuranceOptional add-onfrom S$44.00 | Optional add-on | EQ TravelSafe Basic24 of its 24 plansExcluded: Pre-existing medical conditions, unless the optional Pre-existing Medical Conditions Extension is bought | S$44.00 |
| ERGOExcluded, with exceptionsfrom S$27.43 | Excluded, with exceptions | ERGO TravelProtect Essential12 of its 12 plansExcluded: Pre-existing medical conditions (except the repatriation of mortal remains benefit) or a terminal condition diagnosed before departure | S$27.43 |
| AllianzExcluded, with exceptionsfrom S$72.61 | Excluded, with exceptions | Travel Protect Silver30 of its 30 plansExcluded: Pre-existing medical conditions of a traveller, travelling companion or family member (except repatriation of remains); anything known, foreseeable or expected when the policy was bought; travelling for medical treatment or against medical advice | S$72.61 |
| SompoNofrom S$17.70 | No | Essential14 of its 14 plansExcluded: Pre-existing medical conditions | S$17.70 |
| Great AmericanNofrom S$28.34 | No | Great Travel Insurance Classic24 of its 24 plansExcluded: Pre-existing medical conditions | S$28.34 |
| QBENofrom S$38.40 | No | Travel Prestige Standard Plus20 of its 20 plansExcluded: Pre-existing conditions: any injury or illness treated, diagnosed or showing symptoms within 1 year before the policy's effective date | S$38.40 |
| UOINofrom S$49.00 | No | UniTravel Value21 of its 21 plansExcluded: Known events and pre-existing conditions, congenital disease | S$49.00 |
| ChubbNofrom S$55.50 | No | Economy27 of its 54 plansExcluded: Pre-existing conditions; travel against medical advice or to seek medical treatment | S$55.50 |
| StarrNofrom S$58.34 | No | TraveLead Bronze21 of its 21 plansExcluded: Pre-existing conditions; cosmetic, plastic or elective surgery; congenital conditions | S$58.34 |
| Allianz TravelNot statedfrom S$23.60 | Not stated | Allianz Travel Basic18 of its 18 plansThe plan's documents do not mention it. | S$23.60 |
| ZurichNot statedfrom S$42.00 | Not stated | Travel Guard Direct Basic20 of its 20 plansThe plan's documents do not mention it. | S$42.00 |
| India InternationalNot statedfrom S$69.76 | Not stated | i-Journey Classic12 of its 12 plansThe plan's documents do not mention it. | S$69.76 |
All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.
See every insurer's price for your own answers, with each plan's cover side by side.
Compare travel insuranceQuestions people ask
Does travel insurance cover pre-existing conditions?
Usually not. Most travel plans exclude a condition you had before the trip. Of the 22 insurers we compare, 7 sell a plan that covers stable pre-existing conditions, and 4 offer it as an add-on. The plans that cover them are usually for one traveller on a single trip of up to 30 days.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 665 plans from 22 insurers. The policy wording is the final word on what is covered.
Which plan is cheapest?
For one week in Thailand, one adult, Liberty TourCare Plus Standard is the cheapest plan that covers it, at S$45.00 today, GST included. The median of each insurer's lowest price is S$105.47.