No, you are not required to insure your entire trip cost upfront in order to be eligible for Pre-existing Medical coverage.
Some policies may require you to insure 100% of your prepaid and non-refundable trip costs before you depart in order to be eligible for Pre-Existing Medical coverage. However, you can update your trip cost as you incur additional expenses within 14-30 days of making each payment, depending on the policy.
To increase your trip cost or make any modification to your policy please contact your provider directly. Keep in mind that an additional premium may be required to increase the trip cost, however, there will be no fees associated with modifying your policy.
This information can vary based on the travel insurance policy. Please review the policy certificate to verify coverage. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET seven days a week and are delighted to help!