This varies depending on the the travel insurance policy selected. Many policies will apply the pre-existing condition exclusion to all immediate family members, travel companions and their immediate family members whether they are traveling or not. A few policies do not apply the exclusion to non traveling family members such as TravelSafe Vacation and Travelex Travel Select. Many policies offer a waiver for the pre-existing conditions exclusion if specific conditions are met such as purchasing the policy within a few weeks from date of first payment and insuring the entire trip cost. Refer to the policy certificate for full details.