Pre-Existing Condition

• Medical
  • Pre-Existing Condition

  • Covered if purchased within 15 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?
  GENERAL EXCLUSIONS

  This policy does not cover any Loss caused by or resulting from:

  Pre-existing Medical Conditions, unless otherwise covered under the policy.

  PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

  The Company will waive the pre-existing medical condition exclusion, found in Section IV Exclusions and Limitations, if all of the following conditions are met:

  (1) This policy is purchased within the Early Purchase Window;
  (2) The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase;
  (3) The costs of any subsequent arrangements added to the same Trip are insured within the timeframe in the Early Purchase Window; and
  (4) All Insureds are medically able to travel when the policy is purchased.
  Coverage will be limited to the Pre-Existing Medical Condition Exclusion Waiver Maximum Benefit shown in the Schedule.

  “Pre-existing Medical Condition” means a condition for which the Insured, Traveling Companion, Family Member, Business Partner or Host at Destination has, within the period listed in the Schedule and ending on the Insured’s coverage Policy Effective Date;

  a) Had symptoms which would have prompted a reasonable person to seek medical advice or treatment; or
  b) Received medical advice or treatment; or
  c) Been required to take prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.

  A dependent child born or placed for adoption while this coverage is in force and any condition from which death ensues will not be considered a Pre-Existing Medical Condition.

  EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment.

  Pre-existing Medical Condition Look back period Prior to the Policy Effective Date: 180 Days.