When you apply to get travel insurance, your broker will ask you if you have any pre-existing conditions. Having a pre-existing condition does not mean that you cannot be covered, however, it could limit your coverage for medical emergencies if your condition in not stable. In fact, before leaving on a trip, your condition must be stable based on a series of factors defined in a stability clause in order to be covered. If you have a pre-existing condition and if you have any questions, let your broker know.