Pre-Existing Condition

• Medical
  • Pre-Existing Condition

  • Covered if purchased within 14 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?
  Coverages to which General Exclusions apply: In addition to any applicable benefit-specific exclusions, the following exclusions apply to all Losses and all benefits. Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, and Immediate Family Member.

  Pre-Existing Conditions Waiver

  We will waive the Pre-Existing Conditions exclusion provided:

  a. The Policy is purchased within 14 days of Your Initial Trip Deposit;
  b. The booking for the Covered Trip must be the first and only booking for this travel period and Destination;
  c. You are not disabled in a way that prevents You from travelling at the time You pay the premium;
  d. You are medically able to travel when the plan is purchased; and
  e. You insure 100% of Your Trip Cost.

  We will not pay for Loss caused by or resulting from:

  1. Pre-Existing Conditions, unless the Pre-Existing Conditions Waiver is met;

  Pre-Existing Condition means any Accidental Injury, Sickness or condition of You, Your Traveling Companion or Your Immediate Family Member booked to travel with You for which medical advice, diagnosis, care or treatment was recommended or received within the 90 day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the Sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription throughout the entire 90 day period ending on the Effective Date and no medical advice, diagnosis, care or treatment has otherwise been received.

  Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:

  a. Between a brand name and a generic medication with comparable dosage; or
  b. An adjustment to insulin or anti-coagulant dosage.