Visas · South AfricaSouth African · Pre-existing conditions
Travel insurance with pre-existing conditions for South Africans
Most travel policies exclude pre-existing conditions outright. These are the ones that screen properly, for a resident of South Africa. 5 of the 30 policies we track look workable for this profile, and 23 are ruled out for reasons we show.
What the rules say for this profile
Everything below is generated by running this exact profile through the same rules engine the site's checker uses, against insurers' published wordings and FAQs. Nothing is ordered by commission.
Likely yes Strong eligibility match 2
Published rules fit this whole profile.
| Insurer | Why | Source |
|---|---|---|
| IMGPatriot International / America | Your residence works. Near-worldwide for Patriot travel medical (sanctions carve-outs).Age is fine. Trip length fits. 5 days–12 months; renewable to 24–36 months by plan.Partial route for pre-existing conditions. Excluded, no screening, but acute onset covered under 70, and Visitors Protect covers gradually-worsening conditions. | source checked 2026-08-03 |
| WorldTripsAtlas Travel / Atlas America | Your residence works. US and non-US citizens eligible outside their home countries.Age is fine. Trip length fits. 5–364 days, max 12 months including extensions.Partial route for pre-existing conditions. Excluded; acute onset covered up to overall max for under-80s. | source checked 2026-08-03 |
Specialist Specialist option 3
Built for the awkward part of this profile, or a marketplace covering many carriers.
| Insurer | Why | Source |
|---|---|---|
| VisitorsCoverageMarketplace (40+ plans) | Your residence works. Customers from 175+ countries; actual eligibility per underlying plan.Age is fine. Trip length fits. Long-duration visitor plans available via carriers.Partial route for pre-existing conditions. Strong acute-onset / visitor-insurance catalogue. | source checked 2026-08-03 |
| Seven CornersTravel Medical / USA Visitor | Your residence works. Near-worldwide, but the US-inbound plan cannot be sold to residents of Australia, Nigeria, Ghana and others; Green Card holders excluded.Age is fine. Trip length fits. 5–364 days; USA Visitor Choice extendable to 1,092 days (3 years).Partial route for pre-existing conditions. Acute onset: ≤69 up to $75k; 70–79 much lower; 80+ none. | source checked 2026-08-03 |
| battlefacePost-Departure / Discovery | Age is fine. Trip length fits. Up to ~12 months in some markets; annual plan 40–92 days per trip.Residence: check your country. US, UK, EU + international storefronts; full residence list not verifiable (site blocks robots).Partial route for pre-existing conditions. Excluded by default; US Discovery waiver if bought within 15 days of first trip deposit. | source checked 2026-08-03 |
Maybe Worth checking 2
Nothing rules you out, but enough is conditional that the insurer decides.
| Insurer | Why | Source |
|---|---|---|
| Cigna GlobalInternational health insurance | Your residence works. Expats and globally mobile people across 200+ markets, with dedicated country plans. Reported not available for sale in New York State.Age is fine. Trip length fits. Not trip-bound: an annually renewable health plan.Pre-existing conditions coverable. You must disclose pre-existing conditions at application and they are underwritten, which may mean exclusions, loadings or a moratorium. | source checked 2026-08-03 |
| EKTATravel / Seniors / Visa-Ready | Your residence works. “Suitable for citizens of all countries”, valid worldwide.Age is fine. Trip length fits. Long-term and annual options to ~1 year.Confirm with the insurer: Pre-existing conditions | source checked 2026-08-03 |
Ruled out Not eligible, and why 23
The part other sites hide. These rules exclude this profile.
| Insurer | Why | Source |
|---|---|---|
| SafetyWingNomad Insurance (Essential) | Your residence works. Sold to residents of most countries; home country must not be under international sanctions.Age is fine. Trip length fits. Up to 364 days per purchase, auto-renews every 4 weeks.Pre-existing conditions excluded. Pre-existing conditions excluded; no screening path. | source checked 2026-08-03 |
| SafetyWingNomad Insurance Complete | Your residence works. Complete is not sold to residents of the USA and its territories, Canada, Ireland, the UAE, Saudi Arabia and a sanctions-related list. Essential has no such list.Age is fine. Trip length fits. “Ongoing coverage, renewable indefinitely.” The long-stay answer when Essential's 364 days run out.Pre-existing conditions excluded. Pre-existing conditions still excluded, but newly arising chronic conditions and cancer treatment ARE covered, unlike Essential. | source checked 2026-08-03 |
| GenkiTraveler | Your residence works. “Any citizen, any residence”, including nomads without any legal residence (Native).Age is fine. Trip length fits. 1–12 months, then switch to Native (unlimited).Pre-existing conditions excluded. Traveler: 1-year lookback exclusion. Native: medical questionnaire underwriting. | source checked 2026-08-03 |
| AXA SchengenBasic / Essential / Premium | Your residence works. Worldwide purchase; some countries (e.g. at war) not eligible.Age is fine. Trip length fits. Up to 90 days per stay; Annual = unlimited ≤90-day trips.Europe-only product. This plan only covers trips within Europe or the Schengen area.Pre-existing conditions excluded. Known/diagnosed conditions excluded; no screening. | source checked 2026-08-03 |
| StaysureSingle trip / Annual / Long Stay | Age is fine. Trip length fits. Single trip 104 days; Long Stay up to 550 days under 65, dropping sharply with age (76+ is single trip only).Pre-existing conditions coverable. The core strength: full medical screening covering 1,300+ conditions, with a two-year declaration window. Most applicants get cover.Residence. UK, Channel Islands or Isle of Man only, and you must have lived there for six of the last twelve months, with a local doctor and an NI number if you are 16 or over. | source checked 2026-08-03 |
| True TravellerTraveller / Traveller Plus | Age is fine. Trip length fits. Up to 548 days, reducing with age: 50 and over is capped lower.Pre-existing conditions coverable. Genuine screening rather than blanket exclusion, with hard stops for terminal illness, travel against medical advice, travel for treatment, and undiagnosed tests you are still awaiting.Residence. UK plus around 39 European countries: the EEA plus Switzerland, Andorra, Gibraltar, the Channel Islands, the Isle of Man and most of the Western Balkans. | source checked 2026-08-03 |
| Chapka AssurancesCap Aventure / Cap Schengen | Age is fine. Trip length fits. Cap Aventure runs three to 24 months. The short-stay and Schengen products cap at 90 days.Residence. Cap Aventure covers residents of the EEA, Switzerland, Andorra, Monaco and the French overseas territories. Cap Schengen, by contrast, is open to any residence worldwide.Pre-existing conditions excluded. Pre-existing conditions excluded across the range, with no screening or surcharge route. | source checked 2026-08-03 |
| Europ AssistanceSchengen / Schengen Plus | Your residence works. Residents of most countries worldwide, apart from an excluded list. EU residents may also buy for travel within Schengen outside their own country.Age is fine. Trip length fits. Visa-aligned: 90 days, or 90 in any 180, with an annual multi-trip option.Europe-only product. This plan only covers trips within Europe or the Schengen area.Pre-existing conditions excluded. No pre-screening and pre-existing conditions are excluded. | source checked 2026-08-03 |
| Cover-MoreSingle trip / Annual | Age is fine. Trip length fits. Twelve months on a single trip.Pre-existing conditions coverable. Full online medical assessment inside the quote flow with an instant outcome for most people, plus a list of automatically included conditions.Residence. Residency-gated per market site: Australia, New Zealand, the UK, Malaysia, India and the USA each have their own storefront and rules. | source checked 2026-08-03 |
| Southern Cross Travel InsuranceInternational Comprehensive / Working Overseas | Age is fine. Trip length fits. Twelve months including extensions. The separate Working Overseas policy runs up to 60 months.Pre-existing conditions coverable. Mandatory online medical assessment with a three-year lookback. A diagnosis is not required for something to count.Residence. New Zealand permanent residents on the NZ site, Australian residents on the AU site. | source checked 2026-08-03 |
| DR-WALTERPROVISIT VISUM / PROTRIP-WORLD | Your residence works. The inbound products are open to any non-German citizen visiting or staying in Germany, the EU or the Schengen area, whatever your nationality.Age is fine. Trip length fits. PROVISIT VISUM runs to 180 days; PROTRIP-WORLD Traveler is 12 months renewable.Europe-only product. This plan only covers trips within Europe or the Schengen area.Pre-existing conditions excluded. Acute unforeseen illness only, with no pre-existing screening path. | source checked 2026-08-03 |
| Care ConceptCare Visa Protect / Care Economy | Your residence works. Inbound Germany, EU and Schengen products for guests, students, jobseekers and skilled workers of any origin.Age is fine. Trip length fits. Care Visa Protect runs 92 days with an annual multi-entry variant; Care Economy runs up to two years including extensions.Europe-only product. This plan only covers trips within Europe or the Schengen area.Pre-existing conditions excluded. Exclusion is the norm in this product class; specifics not verified. | source checked 2026-08-03 |
| Globelink InternationalAlready Travelling / Single trip / Annual | Age is fine. Trip length fits. Backpacker single trip runs to 15 months and can be extended while abroad to 18 months total; annual plans offer 17 to 120 days per trip.Partial route for pre-existing conditions. No screening and no surcharge: a fixed No Screen Conditions list is covered as standard, and anything outside it is excluded. Check the list rather than assuming.Residence. UK, all EU countries and the EEA (Iceland, Liechtenstein, Norway). Also covers Australian, New Zealand and South African passport holders temporarily resident in the EU. Switzerland is not EEA, so check with them. | source checked 2026-08-03 |
| World NomadsStandard / Explorer | Age is fine. Trip length fits. Extendable up to 12 months (US residents: 180-day max single trip).Residence: check your country. Residents of 100–140 countries via regional storefronts, but EU sales currently limited to Belgium, Denmark, Germany and the Netherlands.Pre-existing conditions excluded. Generally excluded, no screening (limited US waiver exists). | source checked 2026-08-03 |
| HeymondoSingle trip / Long Stay | Your residence works. Marketed worldwide via localized storefronts; US residents face extra restrictions.Age is fine. Trip length fits. Single trip ~90 days; Long Stay renewable to 12 months.Pre-existing conditions excluded. Excluded; emergency treatment of unforeseen episodes may apply in some wordings. | source checked 2026-08-03 |
| InsureandGoSingle trip / Annual / Backpacker | Age is fine. Trip length fits. Backpacker up to 18 months; annual per-trip limits run 31 to 55 days by tier.Pre-existing conditions coverable. Full screening: they will consider any pre-existing condition provided you declare it before buying.Residence. UK residents only. | source checked 2026-08-03 |
| ACSGlobe Partner / Globe Traveller / Europax | Your residence works. Effectively global: the products cover travel outside your usual country of residence and residence itself is not restricted.Age is fine. Trip length fits. Twelve months on Globe Partner and Globe Traveller; Europax is 90 days or 90-in-180.Pre-existing conditions excluded. No screening flow; pre-existing conditions effectively excluded. | source checked 2026-08-03 |
| FreelyPay-as-you-go travel cover | Age is fine. Trip length fits. Month-by-month structure suits long and open trips.Pre-existing conditions coverable. More than 30 pre-existing conditions automatically covered, with others assessed through a short in-app medical questionnaire.Residence. Australian residents on the AU product; a separate product exists for US travellers. | source checked 2026-08-03 |
| TuGoEmergency Medical / Visitors to Canada | Age is fine. Trip length fits. Effectively capped by provincial health absence rules; stability rules differ for trips over 35 days.Pre-existing conditions coverable. A stability-period model rather than a flat exclusion: 7 or 90 days under 60, 180 days for 60 to 74, and 365 days for 75 and over.Residence. Canadian residents for the outbound products. A separate Visitors to Canada line covers non-residents already in or coming to Canada. | source checked 2026-08-03 |
| Allianz Travel (US)OneTrip / AllTrips | Age is fine. Trip length fits. OneTrip Emergency Medical up to 180 days; annual plans 45–90 days per trip.Partial route for pre-existing conditions. Waiver if purchased within 14 days of first trip payment (conditions apply).Residence. US residents only on this storefront; other countries via separate Allianz sites. | source checked 2026-08-03 |
| AXA Travel Protection (US)Explorer series | Age is fine. Trip length fits. Explorer OnTrip to 180 days; other plans 30–120.Partial route for pre-existing conditions. Waiver if bought within 14 days of initial deposit (Select/Elite).Residence. US residents only (reportedly excl. NH & MA). | source checked 2026-08-03 |
| CoverForYouSingle trip / Backpacker / One-Way | Age is fine. Trip length fits. Backpacker up to 18 months worldwide.Partial route for pre-existing conditions. Medical screening questions at quote; depth of acceptance not verified.Residence. United Kingdom only, and you must be permanently resident and registered with a UK medical practitioner. | source checked 2026-08-03 |
| FayeTravel Protection | Age is fine. Trip length fits. Maximum trip length 180 days.Partial route for pre-existing conditions. Pre-existing condition waiver if you buy within 14 days of your first trip deposit and are medically able to travel. Otherwise excluded.Residence. US residents in all 50 states. Not Puerto Rico, the US Virgin Islands, Guam, American Samoa or the Northern Mariana Islands. | source checked 2026-08-03 |
Other situations for South Africans
Travel insuranceTravel insurance rules for South AfricansAlready abroadAlready abroad rules for South AfricansOver 70Over 70 rules for South AfricansOne-wayOne-way rules for South AfricansLong stayLong stay rules for South AfricansTrip to the USATrip to the USA rules for South Africans
Profile used: resident of South Africa, not yet departed, medium trip, age band up to 39. Rules checked 2026-08-03. Insurers change eligibility without notice: confirm before you buy. Report an error.