USA expat insurance with pre-existing conditions

Member since 15 January 2017

bobestremeraNew member02 March 2026 09:37:00

Myself, 74 and my wife, 69, want to move to one of Italy's 7% regimes. She is a 2-year cancer survivor, completely free from it presently. I have no real health problems but have been diagnosed with some mild arthritis in my hipthat causes me no pain, never been treated or have had any problems. I know in Spain these are complete deal breakers to get private insurance because they don't accept insurance exclusions or waiting periods. But I heard that Italy is a little bit more forgiving in this area.

What are your experiences with getting private insurance with pre-existing insurance?

And, how long did it take you to get on the SSN and was it easy?

Thank you, Bob

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Cheryl Moderator

Member since 15 October 2018

CherylModerator10 March 2026 04:48:00

15872

Hello Bob,

Welcome to Expat.com 😀

I guess this will depend on the insurer. It might be helpful to reach out to a few companies directly to see what options are available. You can also get in touch with one of our partners here > https://www.expat.com/en/insurance/europe/italy/

All the best,

Cheryl

Expat.com team