Will Travel Insurance Cover Us If We are Awaiting a Transplant?

by Steve Dasseos, The Trip Insurance Guru on September 17, 2008

I’m interested in travel insurance coverage with the waiver of pre-existing medical conditions for my husband who is currently awaiting a transplant. Will it be covered? Lori

Unfortunately, none of our travel insurance companies will cover you. The reason is because his medical condition does not meet Travel Insurance Medically Stable rules.

Medically Stable means that the person (traveler, traveling companion or non-traveling family member) with the Pre-Existing Medical Condition has to be in a state where any changes are neither foreseen nor expected that could cause that person to “take a turn for the worse”.

Awaiting a transplant means he has “taken a turn for the worse” and is not unforeseen. I hope his transplant comes quickly and you all can get back to a normal life.


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