Typically, travel insurance providers define a Pre-Existing Condition as a medical condition that has been diagnosed or treated within the policy’s look-back period.
A Pre-Existing Condition is any medical condition that has been diagnosed, treated or experienced a change within the policy’s look-back period. Depending on the policy, the look-back period is typically 60-180 days prior to the effective date, but can be 12-36 months prior to the effective date.
Conditions that are stable during a policy’s look-back period are not considered pre-existing and can be covered under standard Emergency Medical coverage.
Pre-Existing Conditions are typically excluded from coverage on travel insurance policies. This can apply to medical and cancellation benefits. However, the Pre-Existing Condition benefit can provide coverage in the event of unforeseen recurrences or worsening of Pre-Existing Conditions.
The Pre-Existing Condition benefit is a time-sensitive benefit, and in order to be
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!