Best Travel Insurance for Pre-Existing Conditions

What separates the best travel insurance for pre-existing conditions?

Three plans sit within a fraction of each other on score, and the split comes down to medical limits, price and how claims get paid. Faye and Seven Corners both score 8.5. Tin Leg scores 8.2. Prices run $149, $168 and $158 respectively.

Faye's draw is the claims process: file and track in the app, and approved claims land in the Faye Wallet in days. It carries $250,000 medical and $500,000 evacuation, and it is US residents only with no annual plan.

Seven Corners holds the highest medical and evacuation limits in the ranking: $500,000 emergency medical and $1 million evacuation. It also offers CFAR at 75% and a pre-existing waiver with a 20-day window. The catch is tiering — the basic plan's limits are far lower, so check which tier you are buying.

Tin Leg pays $500,000 primary medical before your health plan, offers 75% CFAR, and backs claims with Squaremouth's Zero Complaint Guarantee. Its evacuation limit is half Seven Corners'.

What should I check before buying pre-existing condition cover?

The scoring weights tell you where the differences live: coverage 35, claims and service 25, price 20, flexibility 20. Coverage carries the most weight, so read the medical and evacuation numbers on the tier you are actually buying, not the headline plan.

• Waiver window: Seven Corners' pre-existing waiver has a 20-day window — buy inside it or the waiver may not apply.
• Medical limits: $250,000 on Faye, $500,000 on Seven Corners and Tin Leg. Tin Leg's is primary, so it pays before your health plan.
• Evacuation: $500,000 on Faye and Tin Leg, $1 million on Seven Corners.
• Flexibility: CFAR at 75% on Seven Corners and Tin Leg; Faye offers CFAR as an add-on alongside adventure sports, pet care and rental cars.
• Claims route: app-based payout on Faye, Squaremouth mediation on Tin Leg, and a functional rather than polished app on Seven Corners.
• Eligibility: Faye is US residents only. Faye and Tin Leg have no annual plan.

Faye

For US residents who want to file and track claims in an app and see approved claims paid to the Faye Wallet in days, with $250,000 medical and $500,000 evacuation.

Seven Corners

For travellers who want the highest medical and evacuation limits in the ranking — $500,000 and $1 million — plus CFAR at 75% and a 20-day pre-existing waiver window.

Tin Leg

For anyone who wants $500,000 primary medical that pays before their health plan, 75% CFAR, and Squaremouth's Zero Complaint Guarantee mediating any claim dispute.

Faye suits US residents who want app-based claims and fast payout to the Faye Wallet. Seven Corners suits travellers who want the highest medical and evacuation limits in the ranking, at $500,000 and $1 million. Tin Leg suits anyone who wants $500,000 primary medical plus Squaremouth's Zero Complaint Guarantee behind the claim.