Pre-Existing Condition

Coverage Description
A pre-existing condition is an illness or medical condition that existed before a policy's effective date, usually excluded from coverage. Travel Protection plans may include coverage provided you meet the condition of that insurance carrier. Many carriers provide cover if the policy is purchased within a certain number of days after the initial trip deposit was made. A few carriers provide cover if the policy is purchased before the final payment date. Please refer to the policy summary to determine any conditions for coverage. Some Medical Plans may provide limited cover; Some may cover pre-existing conditions after a specified waiting period, while others do not provide any coverage. View coverage summary for Pre-Existing Condition for the policies below
International Medical Insurance - Medical insurance for any nationality traveling outside their home country.
#	Company / Plan Name	Benefit
1	Travelers Liberty Travelers Liberty	No coverage Pre-existing look-back period 6 months
	Full Policy Wording	No benefits will be paid for loss or expense caused by, contributed to, or resulting from: Pre-existing Conditions;
2	Seven Corners Inbound USA	No coverage Pre-existing look-back period 6 months
	Full Policy Wording	No benefits will be paid for loss or expense caused by, contributed to, or resulting from: Pre-existing Conditions; "Pre-Existing Condition" shall mean 1) A condition that would have caused a person to seek medical advice, diagnosis, care or Treatment within the 6 months (or 12 months for persons 70 and older) prior to the Individual Effective Date of Coverage under this program; 2) A condition for which medical advice, diagnosis, care or Treatment, including Medication, was sought, recommended or received within the 6 months (or 12 months for persons age 70 and older) prior to the Individual Effective Date of Coverage under this program; 3) the symptoms which occurred within the 6 months (or 12 months for persons 70 and older) prior to the Individual Effective Date of the Coverage under this Certificate would have allowed a person trained in medicine to make a diagnosis of the condition producing the symptoms: 4) a condition which manifested within the 6 months (or 12 months for persons 70 and older) prior to the Individual Effective Date of Coverage under this Certificate;
3	Seven Corners Liaison International, Inc US Visit	No coverage Pre-existing look-back period 3 years
	Full Policy Wording	For Medical benefits, this Insurance does not cover: Any Injury or Illness which meets the following criteria: a) condition(s) that would have caused a person to seek medical advise, diagnosis, care or treatment during the 36 months prior to the Effective Date of coverage under this Policy; b) condition(s) for which manifestation, medical advise, diagnosis, care or treatment was recommended, received, or noticed during the 36 months prior to the Effective Date of coverage under this Policy; If you are traveling outside the United States and Canada, the period is 12 months instead of 36 months. If you are a United States citizen and the United States is your Home Country, this exclusion is waived for the first $15,000 in eligible medical expenses incurred outside the United States and Canada (for persons age 65 and over, the amount is $2500). This waiver does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of this program.
4	MEDEX TravMed Abroad	No coverage Pre-existing look-back period 6 months
	Full Policy Wording	PRE-EXISTING CONDITIONS “Pre-Existing Condition” means any Injury, Sickness or condition of Yourself, a Traveling Companion or You and/or Your Traveling Companion’s Family Member for which medical advice, diagnosis, care or treatment was recommended or received within the 6 month period ending on the Effective Date. Conditions are not considered pre-existing if the condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.
5	Seven Corners Inbound Immigrant	No coverage Pre-existing look-back period 6 months
	Full Policy Wording	No benefits will be paid for loss or expense caused by, contributed to, or resulting from: Pre-Existing Conditions; "Pre-Existing Condition" shall mean 1) A condition that would have caused a person to seek medical advice, diagnosis, care or Treatment within the 6 months (or 12 months for persons 70 and older) prior to the Individual Effective Date of Coverage under this program; 2) A condition for which medical advice, diagnosis, care or Treatment, including Medication, was sought, recommended or received within the 6 months (or 12 months for persons age 70 and older) prior to the Individual Effective Date of Coverage under this program; 3) the symptoms which occurred within the 6 months (or 12 months for persons 70 and older) prior to the Individual Effective Date of the Coverage under this Certificate would have allowed a person trained in medicine to make a diagnosis of the condition producing the symptoms: 4) a condition which manifested within the 6 months (or 12 months for persons 70 and older) prior to the Individual Effective Date of Coverage under this Certificate;
6	MEDEX TravMed Choice US Resident	$1,000 per person for Sudden Recurrence only Pre-existing look-back period 3 years
	Full Policy Wording	Unexpected Recurrence of a Pre-Existing Condition The Insurer will pay up to $1,000 for expenses related to the unexpected recurrence of a pre-existing condition. “Pre-Existing Condition” means any Injury, Sickness or condition of Yourself, for which medical advice, diagnosis, care or treatment was recommended or received with the 180-day period ending on the Effective Date. Conditions are not considered pre-existing if the condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.
7	MEDEX TravMed Choice Inbound to US	No coverage Pre-existing look-back period 3 years
	Full Policy Wording	“Pre-existing Condition” for the purposes of the policy shall mean 1) a condition that would have caused a person to seek medical advice, diagnosis, care or Treatment during the 36 months prior to the Effective Date of coverage under the policy; 2) a condition for which medical advice, diagnosis, care or Treatment was recommended or received during the 36 months prior to the Effective Date of coverage under the policy.
8	MNU Atlas International excluding US Visit	Covered for Acute Onset only $15,000 per person for medical $25,000 per person for medical evac. Must be under age 70
	Full Policy Wording	Acute Onset of Pre-Existing Condition If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $15,000 Maximum for Eligible Medical Expenses and up to $25,000 for Emergency Medical Evacuation. An Acute Onset of a Pre-Existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-Existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
9	MNU Atlas America including US Visit	Covered for Acute Onset only $15,000 per person for medical $25,000 per person for medical evac. Must be under age 70
	Full Policy Wording	Acute Onset of Pre-Existing Condition If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $15,000 Maximum for Eligible Medical Expenses and up to $25,000 for Emergency Medical Evacuation. An Acute Onset of a Pre-Existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-Existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
10	USA-ASSIST Global Travel Medical Gold	No coverage Pre-existing look-back period 3 years
	Full Policy Wording	For Medical benefits, this insrance does not cover: 1.Any Injury or Illness which meets the following criteria: (a) condition(s) that would have caused a person to seek medical advice, diagnosis, care or treatment during the 36 months prior to the Effective Date of coverage under this Policy; (b) condition(s) for which manifestation, medical advice, diagnosis, care or treatment was recommended, received, or noticed during the 36 months prior to the Effective Date of coverage under this Policy; For Insured Persons traveling outside the United States and Canada, the period is 12 months instead of 36 months. If the Insured Person is a United States citizen, this exclusion is waived for the first $2500 in eligible medical expenses incurred outside the United States and Canada (for persons age 65 and over, the amount is $1500).
11	USA-ASSIST Global Travel Medical Standard	No coverage Pre-existing look-back period 3 years
	Full Policy Wording	For Medical benefits, this insrance does not cover: 1.Any Injury or Illness which meets the following criteria: (a) condition(s) that would have caused a person to seek medical advice, diagnosis, care or treatment during the 36 months prior to the Effective Date of coverage under this Policy; (b) condition(s) for which manifestation, medical advice, diagnosis, care or treatment was recommended, received, or noticed during the 36 months prior to the Effective Date of coverage under this Policy; For Insured Persons traveling outside the United States and Canada, the period is 12 months instead of 36 months. If the Insured Person is a United States citizen, this exclusion is waived for the first $2500 in eligible medical expenses incurred outside the United States and Canada (for persons age 65 and over, the amount is $1500).
12	USA-ASSIST Global Travel Medical Executive	No coverage Pre-existing look-back period 3 years
	Full Policy Wording	For Medical benefits, this insrance does not cover: 1.Any Injury or Illness which meets the following criteria: (a) condition(s) that would have caused a person to seek medical advice, diagnosis, care or treatment during the 36 months prior to the Effective Date of coverage under this Policy; (b) condition(s) for which manifestation, medical advice, diagnosis, care or treatment was recommended, received, or noticed during the 36 months prior to the Effective Date of coverage under this Policy; For Insured Persons traveling outside the United States and Canada, the period is 12 months instead of 36 months. If the Insured Person is a United States citizen, this exclusion is waived for the first $2500 in eligible medical expenses incurred outside the United States and Canada (for persons age 65 and over, the amount is $1500).
13	USA-ASSIST Global Travel Medical Platinum	No coverage Pre-existing look-back period 3 years
	Full Policy Wording	For Medical benefits, this insrance does not cover: 1.Any Injury or Illness which meets the following criteria: (a) condition(s) that would have caused a person to seek medical advice, diagnosis, care or treatment during the 36 months prior to the Effective Date of coverage under this Policy; (b) condition(s) for which manifestation, medical advice, diagnosis, care or treatment was recommended, received, or noticed during the 36 months prior to the Effective Date of coverage under this Policy; For Insured Persons traveling outside the United States and Canada, the period is 12 months instead of 36 months. If the Insured Person is a United States citizen, this exclusion is waived for the first $2500 in eligible medical expenses incurred outside the United States and Canada (for persons age 65 and over, the amount is $1500).
14	USA-ASSIST Global Travel Medical Titanium	No coverage Pre-existing look-back period 3 years
	Full Policy Wording	For Medical benefits, this insrance does not cover: 1.Any Injury or Illness which meets the following criteria: (a) condition(s) that would have caused a person to seek medical advice, diagnosis, care or treatment during the 36 months prior to the Effective Date of coverage under this Policy; (b) condition(s) for which manifestation, medical advice, diagnosis, care or treatment was recommended, received, or noticed during the 36 months prior to the Effective Date of coverage under this Policy; For Insured Persons traveling outside the United States and Canada, the period is 12 months instead of 36 months. If the Insured Person is a United States citizen, this exclusion is waived for the first $2500 in eligible medical expenses incurred outside the United States and Canada (for persons age 65 and over, the amount is $1500).
15	USA-ASSIST Global Travel Medical Diamond	No coverage Pre-existing look-back period 3 years
	Full Policy Wording	For Medical benefits, this insrance does not cover: 1.Any Injury or Illness which meets the following criteria: (a) condition(s) that would have caused a person to seek medical advice, diagnosis, care or treatment during the 36 months prior to the Effective Date of coverage under this Policy; (b) condition(s) for which manifestation, medical advice, diagnosis, care or treatment was recommended, received, or noticed during the 36 months prior to the Effective Date of coverage under this Policy; For Insured Persons traveling outside the United States and Canada, the period is 12 months instead of 36 months. If the Insured Person is a United States citizen, this exclusion is waived for the first $2500 in eligible medical expenses incurred outside the United States and Canada (for persons age 65 and over, the amount is $1500).
16	HTH TravelGap Voyager	Covered 6 months after eligibility date
	Full Policy Wording	Pre-existing Conditions Pre-existing Conditions are covered under the Medical Evacuation Benefit, the Repatriation of Remains Benefit and the Bedside Visit Benefit. For Pre-existing Conditions related to other benefits see below: Benefits are not available for any services received on or within 6 months after the Eligibility Date of an Insured Person, if those services are related to a Pre-existing Condition as defined in the Definitions section. This exclusion does not apply to a Newborn that is enrolled within 31 days of birth or a newly adopted child that is enrolled within 31 days from either the date of placement of the child in the home, or the date of the final decree of adoption.
17	HTH TravelGap Excursion	Covered if enrolled in a Primary Health Insurance Plan
	Full Policy Wording	Pre-existing conditions are fully covered if you are enrolled in a Primary Health Insurance Plan. Pre-existing Conditions are covered under the Medical Evacuation Benefit, the Repatriation of Remains Benefit and the Bedside Visit Benefit. For Pre-existing Conditions related to other benefits see below: Benefits are not available for any services received on or within 0 months after the Eligibility Date of an Insured Person, if those services are related to a Pre-existing Condition as defined in the Definitions section. This exclusion does not apply to a Newborn that is enrolled within 31 days of birth or a newly adopted child that is enrolled within 31 days from either the date of placement of the child in the home, or the date of the final decree of adoption.
18	HTH TravelGap Voyager	Covered 6 months after eligibility date
	Full Policy Wording	Pre-existing Conditions Pre-existing Conditions are covered under the Medical Evacuation Benefit, the Repatriation of Remains Benefit and the Bedside Visit Benefit. For Pre-existing Conditions related to other benefits see below: Benefits are not available for any services received on or within 6 months after the Eligibility Date of an Insured Person, if those services are related to a Pre-existing Condition as defined in the Definitions section. This exclusion does not apply to a Newborn that is enrolled within 31 days of birth or a newly adopted child that is enrolled within 31 days from either the date of placement of the child in the home, or the date of the final decree of adoption.
19	HTH TravelGap Excursion	Covered if enrolled in a Primary Health Insurance Plan
	Full Policy Wording	Pre-existing conditions are fully covered if you are enrolled in a Primary Health Insurance Plan. Pre-existing Conditions are covered under the Medical Evacuation Benefit, the Repatriation of Remains Benefit and the Bedside Visit Benefit. For Pre-existing Conditions related to other benefits see below: Benefits are not available for any services received on or within 0 months after the Eligibility Date of an Insured Person, if those services are related to a Pre-existing Condition as defined in the Definitions section. This exclusion does not apply to a Newborn that is enrolled within 31 days of birth or a newly adopted child that is enrolled within 31 days from either the date of placement of the child in the home, or the date of the final decree of adoption.
20	Global Underwriters Diplomat America	No coverage Pre-existing look-back period 3 years
	Full Policy Wording	With respect to Medical Expense, no benefit shall be payable with respect to expenses incurred: For Pre-Existing Conditions, defined as any Injury or Illness which was contracted or which manifested itself, or for which treatment or medication was prescribed 3 years prior to the effective date of this insurance;
21	Global Underwriters Diplomat LT	No coverage Pre-existing look-back period 3 years
	Full Policy Wording	With respect to Medical Expense, no benefit shall be payable with respect to expenses incurred: 1. For Pre-Existing Conditions, defined as any Injury or Illness which was contracted or which manifested itself, or for which treatment or medication was prescribed 3 years prior to the effective date of this insurance; The term “Pre Existing Condition” means any Injury or Illness which was contracted or which manifested itself, or for which treatment or medication was prescribed three (3) years prior to the effective date of this insurance.
22	Seven Corners Liaison International, Excludes US Visit	No coverage Pre-existing look-back period 12 months
	Full Policy Wording	For Medical benefits, this Insurance does not cover: Any Injury or Illness which meets the following criteria: a) condition(s) that would have caused a person to seek medical advise, diagnosis, care or treatment during the 36 months prior to the Effective Date of coverage under this Policy; b) condition(s) for which manifestation, medical advise, diagnosis, care or treatment was recommended, received, or noticed during the 36 months prior to the Effective Date of coverage under this Policy; If you are traveling outside the United States and Canada, the period is 12 months instead of 36 months. If you are a United States citizen and the United States is your Home Country, this exclusion is waived for the first $15,000 in eligible medical expenses incurred outside the United States and Canada (for persons age 65 and over, the amount is $2500). This waiver does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of this program.
23	HTH TravelGap Voyager	Covered 6 months after eligibility date
	Full Policy Wording	Pre-existing Conditions Pre-existing Conditions are covered under the Medical Evacuation Benefit, the Repatriation of Remains Benefit and the Bedside Visit Benefit. For Pre-existing Conditions related to other benefits see below: Benefits are not available for any services received on or within 6 months after the Eligibility Date of an Insured Person, if those services are related to a Pre-existing Condition as defined in the Definitions section. This exclusion does not apply to a Newborn that is enrolled within 31 days of birth or a newly adopted child that is enrolled within 31 days from either the date of placement of the child in the home, or the date of the final decree of adoption.
24	HTH TravelGap Excursion	Covered if enrolled in a Primary Health Insurance Plan
	Full Policy Wording	Pre-existing conditions are fully covered if you are enrolled in a Primary Health Insurance Plan. Pre-existing Conditions are covered under the Medical Evacuation Benefit, the Repatriation of Remains Benefit and the Bedside Visit Benefit. For Pre-existing Conditions related to other benefits see below: Benefits are not available for any services received on or within 0 months after the Eligibility Date of an Insured Person, if those services are related to a Pre-existing Condition as defined in the Definitions section. This exclusion does not apply to a Newborn that is enrolled within 31 days of birth or a newly adopted child that is enrolled within 31 days from either the date of placement of the child in the home, or the date of the final decree of adoption.