Pre-Existing Condition

• Medical
  • Pre-Existing Condition

  • Covered if purchased within 20 days of trip deposit

• What is Pre-Existing Condition?
  A Pre-Existing Condition is an illness or other medical condition that was treated, diagnosed, or changed during a policy’s lookback period.

• What am I covered for?
  SECTION IV. GENERAL EXCLUSIONS AND LIMITATIONS

  Benefits are not payable for any loss due to, arising or resulting from:

  14. due to a Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or return of remains coverage;

  PRE-EXISTING CONDITION EXCLUSION:

  The Company will not pay for any expense as a result of any illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You: 1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this Exclusion does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.

  Waiver of the Pre-Existing Condition Exclusion

  The exclusion for Pre-Existing Condition will be waived provided:

  a) Your Payment or Deposit for this Policy and enrollment form are received within 20 days of the date Your initial Payment or Deposit for Your Trip is received; and

  b) You insure all Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 20 days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and

  c) You are not disabled from travel at the time Your premium is paid.

  “Pre-Existing Condition” means an illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You : 1)received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.

• Definitions
  “Accident” means a sudden, unexpected unusual specific event that occurs at an identifiable time and place, and shall also include exposure resulting from a mishap to a conveyance in which You are traveling.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Actual Cash Value” means current replacement cost for items of like kind and quality.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Maine, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Additional Transportation Cost” means the actual cost incurred for one-way Economy Transportation by Common Carrier reduced by the value of an unused travel ticket.

  “Air Carrier” means any air conveyance operating under a valid license for the transportation of passengers for hire.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Baggage and Personal Effects” means luggage, personal possessions and travel documents taken by You on Your Trip.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Bankruptcy or Default” means the total cessation of operations due to insolvency, with or without the filing of a bankruptcy petition by an airline, or cruise line, tour operator or other travel provider provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date for the Trip Cancellation Benefits. There is no coverage for the Bankruptcy or Default of any person, organization, agency or firm from whom You purchased Travel Arrangements supplied by others.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Business Partner” means an individual who a) is involved in a legal general partnership with You and b) is actively involved in the day to day management of Your business.

  “Common Carrier” means any land, sea, or air conveyance operating under a valid license for the transportation of passengers for hire.
  *This definition changes for residents of the following states: Washington. Please click here to refer to your certificate of coverage.

  “Complications of Pregnancy” means conditions (when the pregnancy is not terminated) whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include acute nephritis, nephrosis, cardiac decompensation, missed abortion and similar medical and surgical conditions of comparable severity. Complications of Pregnancy also include nonelective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible. Complications of Pregnancy does not include false labor, occasional spotting, Physician-prescribed rest during the period of pregnancy, morning sickness, hyperemesis gravidarum, preeclampsia and similar conditions associated with the management of a difficult pregnancy not constituting a nosologically distinct complication of pregnancy.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Illinois, Indiana, Massachusetts, Montana, New Hampshire, New York, Oklahoma, Tennessee, Utah, Washington. Please click here to refer to your certificate of coverage.

  “Covered Accident” means an Accident that occurs while coverage is in force and results in a loss for which benefits are payable.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Texas, Washington. Please click here to refer to your certificate of coverage.

  “Covered Vehicle” means a private passenger vehicle (including mini-vans, pickup trucks and sport utility vehicles) which is registered or rented to You during Your Trip, which is rated ¾ ton in weight or less, not used for racing, dealer services, dealer loaners, taxi, limousine, shuttle, delivery, hauling, towing, road repair service, construction service, snow removal, or as a public livery vehicle, or any other commercial use.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Domestic Partner” means an opposite or same sex partner who, for at least 12 consecutive months, has resided with You and shared financial assets/obligations with You. Both You and the Domestic Partner must: (1) intend to be life partners; (2) be at least the age of consent in the state in which You both reside; and (3) be mentally competent to contract. Neither You nor the Domestic Partner can be related by blood to a degree of closeness that would prohibit a legal marriage, be married to anyone else, or have any other Domestic Partner. The Company may require proof of the Domestic Partner relationship in the form of a signed and completed affidavit of domestic partnership.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Louisiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Economy Transportation” means the lowest published available transportation rate for a ticket on a Common Carrier matching the original class of transportation that You purchased for Your Trip.
  *This definition changes for residents of the following states: Washington. Please click here to refer to your certificate of coverage.

  “Family Member” means any of the following who resides in the United States, Canada, or Mexico: Your or Your Traveling Companion’s legal spouse (or commonlaw spouse where legal), legal guardian or ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece or nephew, Domestic Partner.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Louisiana, Massachusetts, Montana, New Hampshire, New York, Rhode Island, Utah, Washington. Please click here to refer to your certificate of coverage.

  “Home” means Your primary place of residence.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Hospital” means a) a place which is licensed or recognized as a general hospital by the proper authority of the state in which it is located: b) a place operated for the care and treatment of resident inpatients with a registered graduate nurse (RN) always on duty and with a laboratory and X-ray facility: c) a place recognized as a general hospital by the Joint Commission on the Accreditation of Hospitals. Not included is a hospital or institution licensed or used principally: (1) for the treatment or care of drug addicts or alcoholics: or (2) as a clinic continued or extended care facility, skilled nursing facility, convalescent home, rest home, nursing home or home for the aged.

  “Inclement Weather” means any weather condition that delays the scheduled arrival or departure of a Common Carrier.

  “Injury” or “Injuries” means bodily harm caused by an Accident which: 1) occurs while Your coverage is in effect under the Policy; and 2) requires examination and treatment by a Legally Qualified Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Illinois, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Insured” means a person(s) who is booked to travel on a Trip, and for whom the required premium is paid, also referred to as You and Your.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Intoxicated” mean a blood alcohol level that equals or exceeds the legal limit for operating a motor vehicle in the state or jurisdiction where You are located at the time of an incident.

  “Legally Qualified Physician” means a physician: a) other than You, a Traveling Companion or a Family Member; b) practicing within the scope of his or her license; and c) recognized as a physician in the place where the services are rendered.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Maximum Benefit Amount” means the maximum amount payable for coverage provided to You as shown in the Schedule of Benefits.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Medically Fit to Travel” means based on assessment a Legally Qualified Physician has advised You, a Traveling Companion, Family Member or Business Partner booked to travel with You in writing that there is no medical condition, illness, Injury or Sickness that would likely interfere with a Trip at the time of purchase of Coverage for a Trip.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Medically Necessary” means a service which is appropriate and consistent with the treatment of the condition in accordance with accepted standards of community practice.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Maine, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Medical Treatment” means examination and treatment by a Legally Qualified Physician for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted reasonable person to seek diagnosis, care or treatment.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Natural Disaster” means a flood, hurricane, tornado, earthquake, mudslide, tsunami, avalanche, landslide, volcanic eruption, fire, wildfire or blizzard that is due to natural causes.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Payments or Deposits” means the cash, check, or credit card amounts, actually paid for Your Trip.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Pre-Existing Condition” means an illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You : 1)received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Illinois, Indiana, Massachusetts, Montana, Nebraska, New Hampshire, New York, Washington, Wyoming. Please click here to refer to your certificate of coverage.

  “Published Penalties” means any published cancellation penalties levied by Your travel agency or travel supplier that apply to all clients of the travel agency or travel supplier and can be documented at time of Your purchase of Travel Arrangements from Your travel agency. The maximum amount reimbursable for travel agency published penalties is 10% of the total trip cost excluding taxes and other non-commissionable items.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Scheduled Departure Date” means the date on which You are originally scheduled to leave on Your Trip.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Scheduled Return Date” means the date on which You are originally scheduled to return to the point of origin or the original final destination of Your Trip.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Sickness” means an illness or disease of the body which: 1) requires examination and treatment by a Legally Qualified Physician, and 2) commences while Your coverage is in effect. An illness or disease of the body which first manifests itself and then worsens or becomes acute prior to the Effective Date of Your coverage is not a Sickness and is considered a Pre-Existing Condition as defined herein and is not covered by the Policy.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Strike” means any organized and legally sanctioned labor disagreement resulting in a stoppage of work: a) as a result of a combined effort of workers which was unannounced and unpublished at the time travel services were purchased; and b) which interferes with the normal departure and arrival of a Common Carrier.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Terrorist Incident” means an act of violence, that is deemed terrorism by the United States Government other than civil disorder or riot (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting alone or in association with other persons on behalf of or in connection with any organization of foreign government which is generally recognized as having the intent to overthrow or influence the control of any other foreign government. The Terrorist Incident must be documented in a Travel Warning issued by the United States’ Department of State advising Americans to avoid that certain country.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Georgia, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Third Party” means a person or entity other than You or the Company.
  *This definition changes for residents of the following states: Washington. Please click here to refer to your certificate of coverage.

  “Transportation Expense” means the cost of Medically Necessary conveyance, personnel, and services or supplies.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Maine, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Travel Arrangements” means: a) transportation; b) accommodations; and c) other specified services arranged for Your Trip.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Travel Advisory or Travel Warning” means U.S. State Department communication advising caution in traveling to specified destinations due to reasons such as armed violence, civil or political unrest, high incidence of crime (specially kidnapping and/or murder), natural disaster or outbreak of one or more contagious diseases.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Traveling Companion” means a person or persons whose names appear with Yours on the same Travel Arrangements and who, during Your Trip, will accompany You. A group or tour organizer, sponsor or leader is not a Traveling Companion as defined, unless sharing accommodations in the same room, cabin, condominium unit, apartment unit or other lodging with You.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Travel Supplier” means any entity or organization that coordinates or supplies travel services for You.

  “Trip” means a scheduled trip for which coverage for Travel Arrangements is requested and the premium is paid prior to Your actual or Scheduled Departure Date of Your Trip, a scheduled trip of 90 days or less and a trip of 100 miles or more from Your primary residence for which the premium is paid.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Us”, “We”, “Our” means United States Fire Insurance Company.
  *This definition changes for residents of the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York, Washington. Please click here to refer to your certificate of coverage.

  “Usual and Customary Charges” means those comparable charges for similar treatment, services and supplies in the geographic area where treatment is performed.
  *This definition changes for residents of the following states: Vermont. Please click here to refer to your certificate of coverage.

  *Additional definitions apply to the following states: Alaska, California, Colorado, Indiana, Massachusetts, Montana, New Hampshire, New York. Please click here to refer to your certificate of coverage.

• Exclusions
  Benefits are not payable for any loss due to, arising or resulting from:

  1. suicide, attempted suicide or any intentionally self-inflicted injury of You, a Traveling Companion, Family Member or Business Partner booked to travel with You, while sane or insane;

  2. an act of declared or undeclared war;

  3. participating in maneuvers or training exercises of an armed service, except while participating in weekend or summer training for the reserve forces of the United States, including the National Guard;

  4. riding or driving in races, or speed or endurance competitions or events;

  5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

  6. participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;

  7. participating in skydiving or parachuting, parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heliskiing mountaineering, any race, speed contests not including any of the regatta races, spelunking or caving, hot air ballooning, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;

  8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

  9. being Intoxicated as defined herein, or under the influence of any controlled substance unless as administered or prescribed by a Legally Qualified Physician;

  10. the commission of or attempt to commit a felony or being engaged in an illegal occupation;

  11. normal childbirth or pregnancy (except Complications of Pregnancy) or voluntarily induced abortion;

  12. dental treatment (except as coverage is otherwise specifically provided herein);

  13. amounts which exceed the Maximum Benefit Amount for each coverage as shown in the Schedule of Benefits;

  14. due to a Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or return of remains coverage;

  15. any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law;

  16. a loss or damage caused by detention, confiscation or destruction by customs;

  17. Elective Treatment and Procedures;

  18. medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;

  19. an assessment from a Legally Qualified Physician advising You in writing that You , a Traveling Companion, Family Member or Business Partner booked to travel with You are not Medically Fit to Travel, as defined in the Policy, at the time of purchase of Coverage for a Trip.

  PRE-EXISTING CONDITION EXCLUSION:

  The Company will not pay for any expense as a result of any illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You: 1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this Exclusion does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.

  Waiver of the Pre-Existing Condition Exclusion

  The exclusion for Pre-Existing Condition will be waived provided:

  a) Your Payment or Deposit for this Policy and enrollment form are received within 20 days of the date Your initial Payment or Deposit for Your Trip is received; and

  b) You insure all Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 20 days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and

  c) You are not disabled from travel at the time Your premium is paid.

  EXCESS INSURANCE LIMITATION

  The insurance provided by this Policy shall be in excess of all other valid and collectible Insurance or indemnity. If at the time of the occurrence of any loss there is other valid and collectible insurance or indemnity in place, the Company shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable deductible. Recovery of losses from other parties does not result in a refund of premium paid.

  Economic or Trade Sanctions. Any payments under this Policy will only be made in full compliance with all United States of America economic or trade sanction laws or regulations, including, but not limited to, sanctions, laws, and regulations administered and enforced by the U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”). Therefore, any expenses incurred or claims made involving travel that is in violation of such sanctions, laws and regulations will not be covered under this Policy. For more information, You may consult the OFAC internet website at www.treas.gov/offices/enforcement/ofac/.

  *These exclusions change for the following states: Alaska, California, Colorado, Connecticut, Illinois, Indiana, Iowa, Kansas, Maine, Massachusetts, Minnesota, Montana, Nebraska, New Hampshire, New York, Ohio, Oklahoma, Rhode Island, South Dakota, Utah, Vermont, Washington, Wyoming. Please click here to refer to your certificate of coverage.