Most travel insurance plans exclude pre-existing conditions from coverage. However, there are plans that will waive the pre-existing conditions exclusion, in other words, pre-existing conditions will be covered. This waiver is available one of two ways: either purchase the insurance within a set amount of time from the deposit date, normally 14-21 days, or purchase the insurance before the final payment is made. Deposit date is the time that the first payment is made towards any aspect of the trip. Final payment is when the largest single expense of the trip is paid in full. Look closely to see how a plan offers the waiver, or if it is offered at all. Pre-existing conditions can refer to the emergency medical & dental coverage as well as the trip cancellation and trip interruption benefits. This can also extend to family members and business partners, depending on the travel insurance plan. Always refer to the certificate of insurance for details.