Pre-Existing Condition

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section;

The Pre-Existing Condition exclusion will be waived provided:

a) Your premium is received within the Time Sensitive Period; and
b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and
c) You are medically able to travel on Your Effective Date.

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date of Your Policy for which You, Your Traveling Companion, or a Family Member booked to travel with You: 1) exhibited symptoms that would have caused a typical person to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the Effective Date of Your Policy.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

LIMITATIONS AND EXCLUSIONS

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Lost Golf Rounds, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section;

The Pre-Existing Condition exclusion will be waived provided:

a) Your premium is received within the Time Sensitive Period; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You are medically able to travel on Your Effective Date.

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date of Your Policy for which You, Your Traveling Companion, or a Family Member booked to travel with You: 1) exhibited symptoms that would have caused atypical person to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the Effective Date of Your Policy.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

SECTION VI. GENERAL LIMITATIONS AND EXCLUSIONS

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion, family member, host at destination, business partner, pet and service animal. This policy does not cover any loss for, caused by or resulting from:

aa. Any loss or expense incurred as the result of a pre-existing medical condition.

Accidental Death and Dismemberment Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

g. Pre-existing medical conditions.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

We will waive the pre-existing medical condition exclusion if the following conditions are met:

a. This plan is purchased within fifteen (15) days of initial trip payment;

b. The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the trip at the time of purchase and the costs of any subsequent arrangements added to the same trip are insured within fifteen (15) days of initial trip payment for any subsequent trip arrangements;

c. All insureds are medically able to travel when this plan cost is paid; and

d. The trip cost does not exceed $20,000, per person.

Pre-existing medical condition means an injury, sickness, death or other condition of you, your traveling companion, family member, host at destination, business partner, pet, or service animal, to which any of the following applied within the one hundred eighty (180) day period immediately preceding and including the purchase date of this plan:

a. First manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment, or;
b. Care, testing or treatment was given or recommended by a physician; or
c. Required a change in prescribed medication.

Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:

a. Between a brand name and a generic medication with comparable dosage; or

b. An adjustment to insulin or anti-coagulant dosage.

PRE-EXISTING MEDICAL CONDITION EXCLUSION:

The Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition (excluding any condition from which death ensues) of an Insured, Traveling Companion, Business Partner or Family Member which, within the 180 day period immediately preceding and including the Insured’s coverage effective date: a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; b) for which care or treatment was given or recommended by a Physician; c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

The Company will waive the pre‐existing medical condition exclusion up to a maximum of the first $30,000 of Trip Cost if the following conditions are met:

(1) This plan is purchased within 15 days of Initial Trip Payment;

(2) The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase and the costs of any subsequent arrangements added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangements;

(3) All Insureds are medically able to travel when this plan cost is paid;

(4) The Trip Cost does not exceed $100,000, per person (only applicable to Trip Cancellation/Interruption/ Delay);

This coverage will be terminated and no benefits will be paid under this Pre‐ existing Medical Condition Exclusion Waiver coverage if the full costs of all prepaid, non‐refundable Trip arrangements are not insured.

This plan does not cover any loss caused by or resulting from:

o) PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition (excluding any condition from which death ensues) of an Insured, Traveling Companion, Business Partner or Family Member which, within the 180 day period immediately preceding and including the Insured’s coverage effective date: a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; b) for which care or treatment was given or recommended by a Physician; c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken
remains controlled without any change in the required prescription drugs or medicines.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

The Company will waive the pre-existing medical condition exclusion up to a maximum of the first $30,000 of Trip Cost if the following conditions are met:

(1) This plan is purchased within 15 days of Initial Trip Payment;

(2) The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase and the costs of any subsequent arrangements added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangements;

(3) All Insureds are medically able to travel when this plan cost is paid;

(4) The Trip Cost does not exceed the maximum Trip Cost limit under Trip Cancellation as shown in the Schedule per person (only applicable to Trip Cancellation/Interruption/ Delay);

This coverage will be terminated and no benefits will be paid under this Pre-existing Medical Condition Exclusion Waiver coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured.

GENERAL EXCLUSIONS

This plan does not cover any loss caused by or resulting from:

o) PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition (excluding any condition from which death ensues) of an Insured, Traveling Companion, Business Partner or Family Member which, within the 180 day period immediately preceding and including the Insured’s coverage effective date: a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; b) for which care or treatment was given or recommended by a Physician; c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

The Company will waive the pre-existing medical condition exclusion if the following conditions are met:

1) This plan is purchased within 15 days of Initial Trip Payment;

2) The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase and the costs of any subsequent arrangements added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangements;

3) All Insured’s are medically able to travel when this plan cost is paid;

4) The Trip Cost does not exceed the maximum Trip Cost limit under Trip Cancellation as shown in the Schedule per person (only applicable to Trip Cancellation/Interruption/ Delay).

This coverage will be terminated and no benefits will be paid under this Preexisting Medical Condition Exclusion Waiver coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured.

This plan does not cover any loss caused by or resulting from:

o) PRE-EXISTING MEDICAL CONDITION EXCLUSION:

The Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition (excluding any condition from which death ensues) of an Insured, Traveling Companion, Business Partner or Family Member which, within the 180 day period immediately preceding and including the Insured’s coverage effective date: a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; b) for which care or treatment was given or recommended by a Physician; c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

The Company will waive the pre-existing medical condition exclusion up to a maximum of the amount shown in the Schedule of Trip Cost if the following conditions are met:

(1) This plan is purchased within 15 days of Initial Trip Payment;

(2) The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase and the costs of any subsequent arrangements added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangements;

(3) All Insureds are medically able to travel when this plan cost is paid;

(4) The Trip Cost does not exceed $100,000, per person (only applicable to Trip Cancellation/Interruption);

This coverage will be terminated and no benefits will be paid under this Preexisting Medical Condition Exclusion Waiver coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured.

Coverages to which General Exclusions apply: The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

1. Pre-Existing Conditions, unless: a) the Policy is purchased within 14 days of Your initial trip deposit; b) the booking for the Covered Trip must be the first and only booking for this travel period and destination; and c) You are not disabled in a way that prevents you from traveling at the time You pay the premium;

Pre-Existing Condition” means any Accidental Injury, sickness or condition of You, Your Traveling Companion or Your Family Member booked to travel with You for which medical advice, diagnosis, care or treatment was recommended or received within the 180 day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription throughout the entire 180 day period ending on the Effective Date and no medical advice, diagnosis, care or treatment has otherwise been received.

The following exclusion applies to the Medical and Dental, Trip Cancellation, Trip Interruption, and Travel Delay coverages:

We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the Definitions section, including death that results therefrom.

This Exclusion does not apply provided you meet the following requirements:

a) coverage is purchased prior to or within 24 hours of your final Trip Payment; and

b) you are medically able to travel at the time the coverage is purchased; and

c) you insure 100% of your prepaid Trip costs that are subject to cancellation penalties or restrictions.

PRE-EXISTING CONDITION means a Sickness or Injury during the 180-day period immediately prior to your effective date for which you or your Traveling Companion:

1) received, or received a recommendation for, a diagnostic test, examination, or medical treatment; or

2) took or received a prescription for drugs or medicine. Item 2 of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 180-day period before coverage is effective under this Policy.

Pre-existing Condition Limitation

Pre-existing conditions are covered under this plan as any other condition, subject to the terms and exclusions listed in the policy.

Pre-existing Condition means any disease, illness, sickness, malady or condition which was diagnosed or treated by a legally qualified physician prior to the effective date of coverage with consultation, advice or treatment by a legally qualified physician occurring within 6 months prior to the Coverage Date for the Covered Person.

Pre-existing conditions are covered under this plan as any other condition, subject to the terms and exclusions listed in the policy.

Pre-existing Condition means any disease, illness, sickness, malady or condition which was diagnosed or treated by a legally qualified physician prior to the effective date of coverage with consultation, advice or treatment by a legally qualified physician occurring within 6 months prior to the Coverage Date for the Covered Person.

Pre-existing conditions are covered under this plan as any other condition, subject to the terms and exclusions listed in the policy.

Pre-existing Condition means any disease, illness, sickness, malady or condition which was diagnosed or treated by a legally qualified physician prior to the effective date of coverage with consultation, advice or treatment by a legally qualified physician occurring within 6 months prior to the Coverage Date for the Covered Person.

The following additional exclusion applies to the Pre-Departure Trip Cancellation Benefit and Post-Departure Trip Interruption Benefit:

a. We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition including death that results therefrom.

B. EXTRA COVERAGE

1. WAIVER OF THE PRE-EXISTING CONDITION EXCLUSION

The Pre-Existing Condition Exclusions for Pre-Departure Trip Cancellation Benefit and Post-Departure Trip Interruption Benefit, if included in this Policy, are waived provided the Insured meets the following requirements:

a. the Insured’s premium for this coverage is received within 14 days of his/her initial Covered Trip payment; and

b. the Insured is not disabled from travel at the time he/she pays his/her premium.

Pre-Existing Condition means a sickness, disease, or other condition during the 180 day period immediately prior to the date the plan payment has been received by Us or the Administrator for which the Insured, the Traveling Companion, or Family Member who is scheduled or booked to travel with the Insured:

a. received, or received a recommendation for, a diagnostic test, examination, or medical treatment; or

b. took or received a prescription for drugs or medicine.

Item b. of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 90 day period before the date stipulated in SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE.

SECTION V – GENERAL EXCLUSIONS

Notwithstanding any other term, condition or provision under this Policy, We shall not provide coverage nor will We make any payments or provide any service or benefit to any Insured, beneficiary, or third party who may have any rights under this Policy to the extent that such cover, payment, service, benefit, or any business or activity of the Insured would violate any applicable trade or economic sanctions law or regulation.

The following additional exclusion applies to the Emergency Dental Expense Benefit, Emergency Medical Expense Benefit, Pre-Departure Trip Cancellation Benefit, Post-Departure Trip Interruption Benefit, and Travel Delay Benefit:

a. We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition including death that results therefrom.

1. WAIVER OF THE PRE-EXISTING CONDITION EXCLUSION

The Pre-Existing Condition Exclusions for Emergency Medical Expense Benefit, Emergency Dental Expense Benefit, Emergency Evacuation and Repatriation Benefit, Pre-Departure Trip Cancellation Benefit, Post-Departure Trip Interruption Benefit, and Travel Delay Benefit, if included in this Policy, are waived provided the Insured meets the following requirements:

a. the Insured’s premium for this coverage is received within 14 days of his/her initial Covered Trip payment; and

b. the Insured is not disabled from travel at the time he/she pays his/her premium.

Pre-Existing Condition means a sickness, disease, or other condition during the 180 day period immediately prior to the date the plan payment has been received by Us or the Administrator for which the Insured, the Traveling Companion, or Family Member who is scheduled or booked to travel with the Insured:

a. received, or received a recommendation for, a diagnostic test, examination, or medical treatment; or

b. took or received a prescription for drugs or medicine.

Item b. of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 30 day period before the date stipulated in SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE.

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

1. Pre-Existing Conditions, unless: a) the Policy is purchased within 14 days of Your initial trip deposit; b) the booking for the Covered Trip must be the first and only booking for this travel period and destination; and c) You are not disabled in a way that prevents you from travelling at the time You pay the premium;

In addition to the exclusions in the Policy, the following exclusions apply to Emergency Medical Evacuation and Medically Necessary Repatriation coverage:

1. Pre-Existing Conditions, to the extent they are excluded in Your base Policy;

“Pre-Existing Condition” means any Accidental Injury, sickness or condition of You, Your Traveling Companion or Your Family Member booked to travel with You for which medical advice, diagnosis, care or treatment was recommended or received within the 180 day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription throughout the entire 180 day period ending on the Effective Date and no medical advice, diagnosis, care or treatment has otherwise been received.

LIMITATIONS AND EXCLUSIONS

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Pet Medical Expense, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section;

The Pre-Existing Condition exclusion will be waived provided:

a) Your premium is received within the Time Sensitive Period; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You are medically able to travel on Your Effective Date.

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date of Your Policy for which You, Your Traveling Companion, or a Family Member booked to travel with You: 1) exhibited symptoms that would have caused a typical person to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the Effective Date of Your Policy.

Time Sensitive Period means within twenty-one (21) days of the Initial Deposit Date and within twenty-one (21) days of payment for any subsequent Travel Arrangements added to Your Trip.

Pre-existing conditions are covered if enrolled in a Primary Health Insurance Plan.

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section;

The Pre-Existing Condition exclusion will be waived provided:

a) Your premium is received within the Time Sensitive Period; and
b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and
c) You are medically able to travel on Your Effective Date.

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date of Your Policy for which You, Your Traveling Companion, or a Family Member booked to travel with You: 1) exhibited symptoms that would have caused a typical person to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the Effective Date of Your Policy.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

EXCLUSIONS AND LIMITATIONS

Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, Family Member, Pet or Service Animal scheduled and booked to travel with You.

The following exclusion(s) appl(y)(ies) to the Trip Cancellation and Trip Interruption and Medical Expense.

We will not pay for any loss or expense caused due to, arising or resulting from:

1. a Pre-Existing Medical Condition, as defined in the policy;

Death resulting from a Pre-Existing Medical Condition will not be excluded. Death must occur prior to the termination date of the benefit under which the claim is being made.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

We will waive the Pre-Existing Medical Condition exclusion if all of the following conditions are met:

a) Your premium for this policy is received within the Time Sensitive Period.

Time Sensitive Period means insurance must be purchased within twenty (20) days of the date Your initial Payments or Deposits for Your Trip is received.

Pre-Existing Medical Condition means an illness, disease, or other condition during the sixty (60) -day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner, Family Member, Pet, or Service Animal scheduled or booked to travel with You:

a) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or

b) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before coverage is effective under this policy.

c) required a change in prescribed medication. Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:

(i) between a brand name and a generic medication with comparable dosage; or
(ii) an adjustment to insulin or anti-coagulant dosage.

Acute Onset of Pre-existing Conditions: Up to the Period of Coverage limit

-Insured Person must be under 70 years of age
-Refer to the ACUTE ONSET OF PREEXISTING CONDITIONS provision for further details and requirements

I. ACUTE ONSET OF PRE-EXISTING CONDITIONS:

(1) Subject to the applicable Deductible and Coinsurance and the various limits and sub-limits set forth in the BENEFIT SUMMARY, and the Terms of this insurance, including without limitation the CONDITIONS AND RESTRICTIONS subparagraph below, and in the event the Insured Person suffers or experiences an Acute Onset of a Pre-existing Condition during the Period of Coverage for which immediate Treatment is essential and necessary to stabilize the Pre-existing Condition, the Insured Person will be reimbursed up to the amount shown in the BENEFIT SUMMARY for Eligible Medical Expenses incurred during the Period of Coverage with respect to the Acute Onset of the Pre-existing Condition.

(2) CONDITIONS AND RESTRICTIONS: To be eligible for the foregoing limited coverage and benefits for an Acute Onset of a Pre-existing Condition, the Insured Person must be in compliance with all Terms of this insurance. The Company will provide such coverage and benefits only when all of the following conditions and restrictions have been met. At the time of the Acute Onset of the Pre-existing Condition:

a) Treatment must be obtained within twenty-four (24) hours of the sudden and Unexpected outbreak or reoccurrence
b) the Insured Person must be under seventy (70) years of age
c) the Insured Person must not be traveling against or in disregard of the recommendations, established Treatment programs, or medical advice of a Physician or other healthcare provider
d) the Insured Person must not be traveling with the intent or purpose to seek or obtain Treatment for the Pre-existing Condition
e) the Insured Person must not be traveling during a period of time when the Insured Person is preparing or waiting for, involved in, or undertaking a new, changed or modified Treatment program with respect to the Pre-existing Condition, and is not traveling subsequent to any such new, changed or modified Treatment program having been advised or recommended
f) the Pre-existing Condition must have been stabilized for at least thirty (30) days prior to the Effective Date without change in Treatment
g) the Insured Person must be traveling outside their Country of Residence

DD. EXCLUSIONS:

Except as expressly provided for in the BENEFIT SUMMARY, all Charges, costs, expenses and/or claims incurred by the Insured Person, and any claim for death or dismemberment benefits, and directly or indirectly relating to or arising or resulting from or in connection with any of the following acts, omissions, events, conditions, Charges, consequences, claims, Treatment (including diagnoses, consultations, tests, examinations and evaluations related thereto), services and/or supplies are expressly excluded from coverage under this insurance, and the Company shall provide no benefits or reimbursements and shall have no liability or obligation for any coverage thereof or therefor:

(4) PRE-EXISTING CONDITIONS: Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded from coverage under this insurance except and unless the Charges resulted directly from an Acute Onset of Preexisting Condition, in which case the Charges will be covered only according to the Terms of the ACUTE ONSET OF PREEXISTING CONDITIONS provision.

Acute Onset of Pre-existing Condition: A sudden and Unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A Pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an Acute Onset of Pre-existing Condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) were told that he/she must or should receive, any medical care, drugs or Treatment.

Pre-existing Condition: Any Injury, Illness, sickness, disease, or other physical, medical, Mental or Nervous Disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the three (3) years prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

EXCLUSIONS AND LIMITATIONS

Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, Family Member, Pet or Service Animal scheduled and booked to travel with You.

The following exclusion(s) appl(y)(ies) to the Trip Cancellation and Trip Interruption and Medical Expense.

We will not pay for any loss or expense caused due to, arising or resulting from:

1. a Pre-Existing Medical Condition, as defined in the policy;

Death resulting from a Pre-Existing Medical Condition will not be excluded. Death must occur prior to the termination date of the benefit under which the claim is being made.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

We will waive the Pre-Existing Medical Condition exclusion if all of the following conditions are met:

a) Your premium for this policy is received within the Time Sensitive Period.

Time Sensitive Period means insurance must be purchased at or before the final payment for Your Trip.

Pre-Existing Medical Condition means an illness, disease, or other condition during the sixty (60) -day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner, Family Member, Pet, or Service Animal scheduled or booked to travel with You:

1. received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or

2. took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before coverage is effective under this policy.

3. required a change in prescribed medication. Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:

a) between a brand name and a generic medication with comparable dosage; or
b) an adjustment to insulin or anti-coagulant dosage.

GENERAL EXCLUSIONS AND LIMITATIONS

Benefits are not payable for any loss due to, arising or resulting from:

1. a Pre-existing Condition, as defined in the Policy. This Pre-existing Condition exclusion does not apply to the Emergency Medical Evacuation or Repatriation of Remains coverage.

The exclusion for Pre-existing Conditions will be waived provided: a) Your premium for this Policy is received within the Time Sensitive Period; and b) You and Your Traveling Companion are medically able to travel at the time Your premium is paid;

Pre-existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Policy Effective Date of Your coverage for which You or Your Traveling Companion:

(1) received a test, examination, or Medical Treatment;

(2) received a recommendation for a test, examination, or Medical Treatment; or

(3) took or received a prescription for drugs or medicine.

Item (2) above does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine, and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before Your coverage is effective under this Policy.

Time Sensitive Period means:

For initial Policy purchase:

within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received.

For subsequent arrangements:

within twenty-one (21) days of payment for any subsequent pre-paid, nonrefundable arrangements added to Your Trip.

GENERAL EXCLUSIONS AND LIMITATIONS

Benefits are not payable for any loss due to, arising or resulting from:

1. a Pre-existing Condition, as defined in the Policy. The exclusion for Pre-existing Conditions will be waived provided: a) Your premium for this Policy is received within the Time Sensitive Period; and. b) You and Your Traveling Companion are medically able to travel at the time Your premium is paid.

Pre-existing Condition means an illness, disease, or other condition during the one hundred eighty (180) day period immediately prior to the Policy Effective Date of Your coverage for which You or Your Traveling Companion:

(1) received a test, examination, or Medical Treatment;

(2) received a recommendation for a test, examination, or Medical Treatment; or

(3) took or received a prescription for drugs or medicine.

Item (2) above does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine, and remains treated or controlled without any adjustment or change in the required prescription throughout the one hundred eighty (180) day period before Your coverage is effective under this Policy.

Time Sensitive Period means:

For initial Policy purchase: within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received.

For subsequent arrangements: within twenty-one (21) days of payment for any subsequent pre-paid, nonrefundable arrangements added to Your Trip.

Acute Onset of Pre-existing Conditions: Age 69 and under, Maximum Limit: $1,000,000

Emergency Medical Evacuation: Maximum Limit: $25,000

I. ACUTE ONSET OF PRE-EXISTING CONDITIONS:

(1) Subject to the applicable Deductible and Coinsurance and the various limits and sub-limits set forth in the BENEFIT SUMMARY, and the Terms of this insurance, including without limitation the CONDITIONS AND RESTRICTIONS subparagraph below, and in the event the Insured Person suffers or experiences an Acute Onset of a Pre-existing Condition during the Period of Coverage for which immediate Treatment is essential and necessary to stabilize the Pre-existing Condition, the Insured Person will be reimbursed up to the amount shown in the BENEFIT SUMMARY for Eligible Medical Expenses incurred during the Period of Coverage with respect to the Acute Onset of the Pre-existing Condition.

(2) CONDITIONS AND RESTRICTIONS: To be eligible for the foregoing limited coverage and benefits for an Acute Onset of a Pre-existing Condition, the Insured Person must be in compliance with all Terms of this insurance. The Company will provide such coverage and benefits only when all of the following conditions and restrictions have been met. At the time of the Acute Onset of the Pre-existing Condition:

a) Treatment must be obtained within twenty-four (24) hours of the sudden and Unexpected outbreak or reoccurrence

b) the Insured Person must be under seventy (70) years of age

c) the Insured Person must not be traveling against or in disregard of the recommendations, established Treatment programs, or medical advice of a Physician or other healthcare provider

d) the Insured Person must not be traveling with the intent or purpose to seek or obtain Treatment for the Pre-existing Condition

e) the Insured Person must not be traveling during a period of time when the Insured Person is preparing or waiting for, involved in, or undertaking a new, changed or modified Treatment program with respect to the Pre-existing Condition, and is not traveling subsequent to any such new, changed or modified Treatment program having been advised or recommended

f) the Pre-existing Condition must have been stabilized for at least thirty (30) days prior to the Effective Date without change in Treatment

g) the Insured Person must be traveling outside their Country of Residence.

In addition, in order to qualify for the higher coverage limit specified in the BENEFIT SUMMARY, a United States citizen with a Primary Health Plan must meet the following requirements:

i) the Insured Person must be a United States citizen

ii) the Insured Person must have a Primary Health Plan

iii) the Primary Health Plan must have been in effect prior to the Effective Date of Coverage and must remain in force during the entire Period of Coverage

iv) the Pre-existing Condition must be covered under the Primary Health Plan.

If these requirements cannot be substantiated at the time of claim, the benefits under this provision will be limited to the amount shown in the BENEFIT SUMMARY for Insured Persons without a Primary Health Plan.

EE. EXCLUSIONS:

Except as expressly provided for in the BENEFIT SUMMARY, all Charges, costs, expenses and/or claims incurred by the Insured Person, and any claim for death or dismemberment benefits, and directly or indirectly relating to or arising or resulting from or in connection with any of the following acts, omissions, events, conditions, Charges, consequences, claims, Treatment (including diagnoses, consultations, tests, examinations and evaluations related thereto), services and/or supplies are expressly excluded from coverage under this insurance, and the Company shall provide no benefits or reimbursements and shall have no liability or obligation for any coverage thereof or therefor:

(4) PRE-EXISTING CONDITIONS:

Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded from coverage under this insurance except and unless the Charges resulted directly from an Acute Onset of Preexisting Condition, in which case the Charges will be covered only according to the Terms of the ACUTE ONSET OF PREEXISTING CONDITIONS provision.

Acute Onset of Pre-existing Condition: A sudden and Unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A Pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an Acute Onset of Pre-existing Condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) were told that he/she must or should receive, any medical care, drugs or Treatment.

Pre-existing Condition:

Any Injury, Illness, sickness, disease, or other physical, medical, Mental or Nervous Disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the three (3) years prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

Acute Onset of Pre-existing Conditions:

United States citizens:
-Age 64 and under without a Primary Health Plan: Maximum Limit: $20,000

-Age 64 and under with a Primary Health Plan: Up to the Period of Coverage limit

-Age 65 through age 69: Maximum Limit: $2,500

H. ACUTE ONSET OF PRE-EXISTING CONDITIONS:

(1) Subject to the applicable Deductible and Coinsurance and the various limits and sub-limits set forth in the BENEFIT SUMMARY, and the Terms of this insurance, including without limitation the CONDITIONS AND RESTRICTIONS subparagraph below, and in the event the Insured Person suffers or experiences an Acute Onset of a Pre-existing Condition during the Period of Coverage for which immediate Treatment is essential and necessary to stabilize the Pre-existing Condition, the Insured Person will be reimbursed up to the amount shown in the BENEFIT SUMMARY for Eligible Medical Expenses incurred during the Period of Coverage with respect to the Acute Onset of the Pre-existing Condition.

(2) CONDITIONS AND RESTRICTIONS: To be eligible for the foregoing limited coverage and benefits for an Acute Onset of a Pre-existing Condition, the Insured Person must be in compliance with all Terms of this insurance. The Company will provide such coverage and benefits only when all of the following conditions and restrictions have been met. At the time of the Acute Onset of the Pre-existing Condition:

a) Treatment must be obtained within twenty-four (24) hours of the sudden and Unexpected outbreak or reoccurrence
b) the Insured Person must be under seventy (70) years of age
c) the Insured Person must not be traveling against or in disregard of the recommendations, established Treatment programs, or medical advice of a Physician or other healthcare provider
d) the Insured Person must not be traveling with the intent or purpose to seek or obtain Treatment for the Pre-existing Condition
e) the Insured Person must not be traveling during a period of time when the Insured Person is preparing or waiting for, involved in, or undertaking a new, changed or modified Treatment program with respect to the Pre-existing Condition, and is not traveling subsequent to any such new, changed or modified Treatment program having been advised or recommended
f) the Pre-existing Condition must have been stabilized for at least thirty (30) days prior to the Effective Date without change in Treatment
g) the Insured Person must be traveling outside their Country of Residence and the United States.

In addition, in order to qualify for the higher coverage limit specified in the BENEFIT SUMMARY, a United States citizen with a Primary Health Plan must meet the following requirements:

(i) the Insured Person must be a United States citizen

(ii) the Insured Person must have a Primary Health Plan

(iii) the Primary Health Plan must have been in effect prior to the Effective Date of Coverage and must remain in force during the entire Period of Coverage

(iv) the Pre-existing Condition must be covered under the Primary Health Plan.

If these requirements cannot be substantiated at the time of claim, the benefits under this provision will be limited to the amount shown in the BENEFIT SUMMARY for Insured Persons without a Primary Health Plan.

(4) PRE-EXISTING CONDITIONS:

Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded from coverage under this insurance except and unless the Charges resulted directly from an Acute Onset of Preexisting Condition, in which case the Charges will be covered only according to the Terms of the ACUTE ONSET OF PREEXISTING CONDITIONS provision.

Acute Onset of Pre-existing Condition: A sudden and Unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A Pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an Acute Onset of Pre-existing Condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) were told that he/she must or should receive, any medical care, drugs or Treatment

Pre-existing Condition: Any Injury, Illness, sickness, disease, or other physical, medical, Mental or Nervous Disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the three (3) years prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

H. ACUTE ONSET OF PRE-EXISTING CONDITIONS:

(1) Subject to the applicable Deductible and Coinsurance and the various limits and sub-limits set forth in the BENEFIT SUMMARY, and the Terms of this insurance, including without limitation the CONDITIONS AND RESTRICTIONS subparagraph below, and in the event the Insured Person suffers or experiences an Acute Onset of a Pre-existing Condition during the Period of Coverage for which immediate Treatment is essential and necessary to stabilize the Pre-existing Condition, the Insured Person will be reimbursed up to the amount shown in the BENEFIT SUMMARY for Eligible Medical Expenses incurred during the Period of Coverage with respect to the Acute Onset of the Pre-existing Condition.

(2) CONDITIONS AND RESTRICTIONS: To be eligible for the foregoing limited coverage and benefits for an Acute Onset of a Pre-existing Condition, the Insured Person must be in compliance with all Terms of this insurance. The Company will provide such coverage and benefits only when all of the following conditions and restrictions have been met. At the time of the Acute Onset of the Pre-existing Condition:

a) Treatment must be obtained within twenty-four (24) hours of the sudden and Unexpected outbreak or reoccurrence

b) the Insured Person must be under seventy (70) years of age

c) the Insured Person must not be traveling against or in disregard of the recommendations, established Treatment
programs, or medical advice of a Physician or other healthcare provider

d) the Insured Person must not be traveling with the intent or purpose to seek or obtain Treatment for the Pre-existing Condition

e) the Insured Person must not be traveling during a period of time when the Insured Person is preparing or waiting for, involved in, or undertaking a new, changed or modified Treatment program with respect to the Pre-existing Condition, and is not traveling subsequent to any such new, changed or modified Treatment program having been advised or recommended

f) the Pre-existing Condition must have been stabilized for at least thirty (30) days prior to the Effective Date without change in Treatment

g) the Insured Person must be traveling outside their Country of Residence and the United States.

In addition, in order to qualify for the higher coverage limit specified in the BENEFIT SUMMARY, a United States citizen with a Primary Health Plan must meet the following requirements:

(i) the Insured Person must be a United States citizen

(ii) the Insured Person must have a Primary Health Plan

(iii) the Primary Health Plan must have been in effect prior to the Effective Date of Coverage and must remain in
force during the entire Period of Coverage

(iv) the Pre-existing Condition must be covered under the Primary Health Plan.

If these requirements cannot be substantiated at the time of claim, the benefits under this provision will be limited to the amount shown in the BENEFIT SUMMARY for Insured Persons without a Primary Health Plan.

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

1. Pre-Existing Conditions, unless: a) the Policy is purchased within 14 days of Your initial trip deposit; b) the booking for the Covered Trip must be the first and only booking for this travel period and destination; and c) You are not disabled in a way that prevents you from traveling at the time You pay the premium;

In addition to the exclusions in the Policy, the following exclusions apply to Accidental Death and Dismemberment -Air Only coverage:

1.Pre-Existing Conditions, to the extent they are excluded in Your base Policy;

In addition to the exclusions in the Policy, the following exclusions apply to Frequent Travel Loyalty coverage:

1. Pre-Existing Conditions, to the extent they are excluded in Your base Policy;

“Pre-Existing Condition” means any Accidental Injury, sickness or condition of You, Your Traveling Companion or Your Family Member booked to travel with You for which medical advice, diagnosis, care or treatment was recommended or received within the 60 day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription throughout the entire 60 day period ending on the Effective Date and no medical advice, diagnosis, care or treatment has otherwise been received.

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

1. Pre-Existing Conditions, unless: a) the Policy is purchased within 14 days of Your initial trip deposit; b) the booking for the Covered Trip must be the first and only booking for this travel period and destination; and c) You are not disabled in a way that prevents you from traveling at the time You pay the premium;

In addition to the exclusions in the Policy, the following exclusions apply to Accidental Death and Dismemberment -Air Only coverage:

1.Pre-Existing Conditions, to the extent they are excluded in Your base Policy;

In addition to the exclusions in the Policy, the following exclusions apply to Frequent Travel Loyalty coverage:

1. Pre-Existing Conditions, to the extent they are excluded in Your base Policy;

“Pre-Existing Condition” means any Accidental Injury, sickness or condition of You, Your Traveling Companion or Your Family Member booked to travel with You for which medical advice, diagnosis, care or treatment was recommended or received within the 60 day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription throughout the entire 60 day period ending on the Effective Date and no medical advice, diagnosis, care or treatment has otherwise been received.

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

1. Pre-Existing Conditions, unless: a) the Policy is purchased within 14 days of Your initial trip deposit; b) the booking for the Covered Trip must be the first and only booking for this travel period and destination; and c) You are not disabled in a way that prevents you from traveling at the time You pay the premium;

In addition to the exclusions in the Policy, the following exclusions apply to Accidental Death and Dismemberment -Air Only and Frequent Travel Loyalty coverage:

1.Pre-Existing Conditions, to the extent they are excluded in Your base Policy;

“Pre-Existing Condition” means any Accidental Injury, sickness or condition of You, Your Traveling Companion or Your Family Member booked to travel with You for which medical advice, diagnosis, care or treatment was recommended or received within the 60 day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription throughout the entire 60 day period ending on the Effective Date and no medical advice, diagnosis, care or treatment has otherwise been received.

LIMITATIONS AND EXCLUSIONS

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Optional Accidental Death & Dismemberment, Optional Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section;

The Pre-Existing Condition exclusion will be waived provided:

a) Your premium is received within the Time Sensitive Period; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You are medically able to travel on Your Effective Date.

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date of Your Policy for which You, Your Traveling Companion, or a Family Member booked to travel with You: 1) exhibited symptoms that would have caused a typical person to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the Effective Date of Your Policy.

Time Sensitive Period means within ten (10) days of the Initial Deposit Date and within ten (10) days of payment for any subsequent Travel Arrangements added to Your Trip.

LIMITATIONS AND EXCLUSIONS

The following exclusions apply to: Trip Cancellation, Trip Interruption, Itinerary Change – Pre-Paid Excursion, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Optional Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section;

The Pre-Existing Condition exclusion will be waived provided:

a) Your premium is received within the Time Sensitive Period; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You are medically able to travel on Your Effective Date.

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date of Your Policy for which You, Your Traveling Companion, or a Family Member booked to travel with You: 1) exhibited symptoms that would have caused a typical person to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the Effective Date of Your Policy.

Time Sensitive Period means within twenty-one (21) days of the Initial Deposit Date and within twenty-one (21) days of payment for any subsequent Travel Arrangements added to Your Trip.

LIMITATIONS AND EXCLUSIONS

The following exclusions apply to: Trip Cancellation, Trip Interruption, Itinerary Change – Pre-Paid Excursion, Trip Delay, Missed Connection, Inconvenience to You, Accidental Death & Dismemberment, Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section;

The Pre-Existing Condition exclusion will be waived provided:

a) Your premium is received within the Time Sensitive Period; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You are medically able to travel on Your Effective Date

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date of Your Policy for which You, Your Traveling Companion, or a Family Member booked to travel with You: 1) exhibited symptoms that would have caused a typical person to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the Effective Date of Your Policy.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

The following exclusions apply to: Trip Cancellation, Trip Interruption, Itinerary Change – Pre-Paid Excursion, Trip Delay, Missed Connection, Inconvenience to You, Accidental Death & Dismemberment, Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section;

The Pre-Existing Condition exclusion will be waived provided:

a) Your premium is received within the Time Sensitive Period; and
b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and
c) You are medically able to travel on Your Effective Date.

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date of Your Policy for which You, Your Traveling Companion, or a Family Member booked to travel with You: 1) exhibited symptoms that would have caused a typical person to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the Effective Date of Your Policy.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

EXCLUSIONS AND LIMITATIONS

The following exclusion(s) appl(y)(ies) to the Trip Cancellation and Trip Interruption and Medical Expense.

We will not pay for any loss or expense caused due to, arising or resulting from:

1. a Pre-Existing Medical Condition, as defined in the policy;

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

We will waive the Pre-Existing Medical Condition exclusion if all of the following conditions are met:

a. Your premium for this policy and enrollment form is received within the Time Sensitive Period; and
b. You or Your Traveling Companion, are medically able and not disabled from travel at the time Your premium is paid based on assessment of a Physician.

Time Sensitive Period means insurance must be purchased within 20 days of the date Your initial Payments or Deposits for Your Trip is received and within 15 days of payment for any subsequent Travel Arrangements added to Your Trip.

Pre-Existing Medical Condition means an illness, disease, or other condition during the 60-day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner, Family Member scheduled or booked to travel with You:

1. received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or

2. took or received a prescription for drugs or medicine. Item 2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this policy;

3. Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:

a. between a brand name and a generic medication with comparable dosage; or
b. an adjustment to insulin or anti-coagulant dosage.

Benefits are not payable for any loss due to, arising or resulting from:

14. due to a Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or return of remains coverage;

PRE-EXISTING CONDITION EXCLUSION:

The Company will not pay for any expense as a result of any illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You: 1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this Exclusion does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.

Waiver of the Pre-Existing Condition Exclusion

The exclusion for Pre-Existing Condition will be waived provided:

a) Your Payment or Deposit for this Policy and enrollment form are received within 20 days of the date Your initial Payment or Deposit for Your Trip is received; and

b) You insure all Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 20 days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and

c) You are not disabled from travel at the time Your premium is paid.

Pre-Existing Condition means any injury, sickness or condition of You, an Insured’s Traveling Companion, You or an Insured’s Traveling Companion’s Family Member for which within the sixty (60) day period prior to the effective date of Trip Cancellation coverage under the Group Policy such person received diagnosis or treatment for such injury, sickness or condition.

The Pre-Existing Conditions exclusion is waived for You if the Insured enrolls You in the Group Policy at the time the Insured pays the deposit required for Your Trip (or within 20 days of the initial deposit) and the Insured purchases the coverage under the Group Policy for the full cost of their Trip.

Exclusions

Unless otherwise specifically provided for therein, the coverage provided by the Certificate under Sections 3.2 through 3.4, 3.7, 3.10, 4.1 through 4.3, 5.1 through 5.6, 5.8, 6.2, 6.3, 6.6, 6.7 and 7.1 excludes Expenses that are for, resulting from, related to, or incurred for the following:

a) Pre-Existing Condition(s) except as waived under Sections 3.8, 3.9, and 5.1 through 5.5 above;

3.8 Acute Onset of Pre-Existing Condition(s).

If You are a United States Resident under the age of sixty-five (65) years, the exclusion set forth in Section 8(a) does not apply to the eligible medical Expenses for the first Acute Onset of a Pre-Existing Condition(s) during the Period of Coverage, up to the amount set forth in the Schedule of Benefits for eligible medical Expenses incurred outside the United States. This benefit also applies to Insured Persons from age sixty-five (65) years to seventy-four (74) years for the amount set forth for them in the Schedule of Benefits. The Deductible, Copay and Coinsurance options set forth in Section 3.1 apply to this coverage and will be Your responsibility.

This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to departure from the United States and prior to the Effective Date of Coverage; coverage for Treatment for which You have traveled; or coverage for conditions for which travel was undertaken after Your Physician has limited or restricted travel.

Coverage begins 72 hours (3 days) after the Effective Date of Coverage and ceases on the earliest of:

(i) The condition no longer being considered acute; or
(ii) Your discharge from the Hospital.

Acute Onset of Pre-Existing Condition(s): Sudden and unexpected outbreak or recurrence of a Pre-Existing Condition(s) is one:

a) That occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care;

b) That occurs during the Period of Coverage, after the 72-hour (3-day) waiting period, and prior to the age shown in the Schedule of Benefits, as indicated in Section 3.8; and

c) For which Treatment is obtained within twenty-four (24) hours of the sudden and unexpected outbreak or recurrence.

A Pre-Existing Condition will not be considered an Acute Onset of a Pre-Existing Condition(s):

(i) If the condition is chronic, Congenital or gradually becomes worse over time; or

(ii) If, during the thirty (30) days prior to the acute event, You had a change in prescription or Treatment for a diagnosis related to the underlying Pre-Existing Condition.

Pre-Existing Condition(s): Any medical condition, Sickness, Injury, Illness, disease, Mental Illness or Mental or Nervous Disorder, regardless of the cause, including any Congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom, that with reasonable medical certainty existed at the time of Application or any time during the thirty-six (36) months prior to the Effective Date of Coverage under this Certificate, whether or not previously manifested, symptomatic, known, diagnosed, treated, or disclosed. This specifically includes, but is not limited to, any medical condition, Sickness, Injury, Illness, disease, Mental Illness, or Mental or Nervous Disorder for which medical advice, diagnosis, care, or Treatment was recommended or received or for which a reasonably prudent person would have sought Treatment during the 36-month period immediately preceding the Effective Date of Coverage under this Certificate. For Insured Persons traveling outside the United States, the period is twelve (12) months instead of thirty-six (36) months.

Section 8. Exclusions

Unless otherwise specifically provided for therein, the coverage provided by the Certificate under Sections 3.2,3.3, 3.6, 3.7, 4.1, 4.2, 5.1 through 5.6, 5.8, 6.2, 6.3, 6.5, and 7.1 excludes Expenses that are for, resulting from, related to, or incurred for the following:

a) Pre-Existing Condition(s) except as waived under Sections 3.8 and 5.1 through 5.5 above;

3.8 Acute Onset of Pre-Existing Condition(s)

If You are under the age of seventy (70) years, the exclusion set forth in Section 8(a) does not apply to the eligible medical Expenses for the first Acute Onset of a Pre Existing Condition(s) during the Period of Coverage, up to the amount set forth in the Schedule of Benefits for eligible Covered Expenses incurred outside of Your Home Country. This benefit also applies to Insured Persons from age seventy (70) years to seventy-nine (79) years for the amount set forth for them in the Schedule of Benefits. The Deductible, Copay and Coinsurance options set forth in Section 3.1 apply to this coverage and will be Your responsibility.

This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatment existent or necessary prior to departure from Your Home Country and prior to the Effective Date of Coverage; coverage for Treatment for which You have traveled; or coverage for conditions for which travel was undertaken after Your Physician has limited or restricted travel.

Coverage begins 168 hours (7 days) after the Effective Date of Coverage and ceases on the earliest of:

(i) The condition no longer being considered acute; or

(ii) Your discharge from the Hospital.

As set forth in the Schedule of Benefits, there is no coverage under this benefit for Insured Persons age eighty (80) years and over.

Acute Onset of Pre-Existing Condition(s): Sudden and unexpected outbreak or recurrence of a Pre-Existing Condition(s) is one:

a) That occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care;

b) That occurs during the Period of Coverage, after the 168-hour (7-day) waiting period, and prior to the age shown in the Schedule of Benefits, as indicated in Section 3.8; and

c) For which Treatment is obtained within twenty-four (24) hours of the sudden and unexpected outbreak or recurrence.

A Pre-Existing Condition will not be considered an Acute Onset of a Pre-Existing Condition(s):

(i) If the condition is chronic, Congenital or gradually becomes worse over time; or

(ii) If, during the thirty (30) days prior to the acute event, You had a change in prescription or Treatment for a diagnosis related to the underlying Pre-Existing Condition.

Pre-Existing Condition(s): Any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental or Nervous Disorder, regardless of the cause, including any Congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom, that with reasonable medical certainty existed at the time of Application or any time during the thirty-six (36) months prior to the Effective Date of Coverage under this Certificate, whether or not previously manifested, symptomatic, known, diagnosed, treated, or disclosed. This specifically includes, but is not limited to, any medical condition, sickness, Injury, Illness, disease, Mental Illness, or Mental or Nervous Disorder for which medical advice, diagnosis, care, or Treatment was recommended or received or for which a reasonably prudent person would have sought Treatment during the 36-month period immediately preceding the Effective Date of Coverage under this Certificate.

Section 8. Exclusions

Unless otherwise specifically provided for therein, the coverage provided by the Certificate under Sections 3.2, 3.3, 3.6, 3.7, 4.1, 4.2, 5.1 through 5.6, 5.8, 6.2, 6.3, 6.5, and 7.1 excludes Expenses that are for, resulting from, related to, or incurred for the following:

a) Pre‐Existing Condition(s) except as waived under Sections 3.8 and 5.1 through 5.5 above;

3.8 Acute Onset of Pre‐Existing Condition(s)

If you are under the age of sixty‐five (65) years, the exclusion set forth in Section 8(a) does not apply to the eligible medical Expenses for the first Acute Onset of a Pre‐ Existing Condition(s) during the Period of Coverage, up to the amount set forth in the Schedule of Benefits for eligible medical Expenses incurred outside of Your Home Country. This benefit also applies to Insured Persons from age sixty‐five (65) years to seventy‐nine (79) years for the amount set forth for them in the Schedule of Benefits. The Deductible and Coinsurance options set forth in Section 3.1 apply to this coverage and will be Your responsibility.

This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to departure from Your Home Country and prior to the Effective Date of Coverage; coverage for Treatment for which You have traveled; or coverage for conditions for which travel was undertaken after Your Physician has limited or restricted travel.

Coverage begins 72 hours (3 days) after the Effective Date of Coverage and ceases on the earliest of:

(i) The condition no longer being considered acute; or

(ii) Your discharge from the Hospital.

As set forth in the Schedule of Benefits, there is no coverage under this benefit for Insured Persons age eighty (80) years and over.

Acute Onset of Pre‐Existing Condition(s): Sudden and unexpected outbreak or recurrence of a Pre‐Existing Condition(s) is one:

a) That occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care;

b) That occurs during the Period of Coverage, after the 72‐hour (3‐day) waiting period, and prior to the age shown in the Schedule of Benefits, as indicated in Section 3.8; and

c) For which Treatment is obtained within twenty‐four (24) hours of the sudden and unexpected outbreak or recurrence.

A Pre‐Existing Condition will not be considered an Acute Onset of a Pre‐Existing Condition(s):

(i) If the condition is chronic, Congenital or gradually becomes worse over time; or

(ii) If, during the thirty (30) days prior to the acute event, You had a change in prescription or Treatment for a diagnosis related to the underlying Pre‐Existing Condition.

Pre‐Existing Condition(s): Any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental or Nervous Disorder, regardless of the cause, including any Congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom, that with reasonable medical certainty existed at the time of Application or any time during the twelve (12) months prior to the Effective Date of Coverage under this Certificate, whether or not previously manifested, symptomatic, known, diagnosed, treated, or disclosed. This specifically includes, but is not limited to, any medical condition, sickness, Injury, Illness, disease, Mental Illness, or Mental or Nervous Disorder for which medical advice, diagnosis, care, or Treatment was recommended or received or for which a reasonably prudent person would have sought Treatment during the 12‐month period immediately preceding the Effective Date of Coverage under this Certificate.

Section 8. Exclusions

Unless otherwise specifically provided for therein, the coverage provided by the Certificate under Sections 3.2, 3.3, 3.7, 3.8, 4.1 through 4.3, 5.1 through 5.6, 5.8, 6.2, 6.3, 6.5, 6.6 and 7.1 excludes Expenses that are for, resulting from, related to, or incurred for the following:

a) Pre‐Existing Condition(s) except as waived under Sections 3.9 and 5.1 through 5.5 above;

3.9 Acute Onset of Pre‐Existing Condition(s)

If you are under the age of sixty‐five (65) years, the exclusion set forth in Section 8(a) does not apply to the eligible medical Expenses for the first Acute Onset of a Pre‐ Existing Condition(s) during the Period of Coverage, up to the amount set forth in the Schedule of Benefits for eligible medical Expenses incurred outside of Your Home Country. This benefit also applies to Insured Persons from age sixty‐five (65) years to seventy‐nine (79) years for the amount set forth for them in the Schedule of Benefits. The Deductible and Coinsurance options set forth in Section 3.1 apply to this coverage and will be Your responsibility.

This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to departure from Your Home Country and prior to the Effective Date of Coverage; coverage for Treatment for which You have traveled; or coverage for conditions for which travel was undertaken after Your Physician has limited or restricted travel.

Coverage begins 72 hours (3 days) after the Effective Date of Coverage and ceases on the earliest of:

(i) The condition no longer being considered acute; or

(ii) Your discharge from the Hospital.

As set forth in the Schedule of Benefits, there is no coverage under this benefit for Insured Persons age eighty (80) years and over.

Acute Onset of Pre‐Existing Condition(s): Sudden and unexpected outbreak or recurrence of a Pre‐Existing Condition(s) is one:

a) That occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care;

b) That occurs during the Period of Coverage, after the 72‐hour (3‐day) waiting period, and prior to the age shown in the Schedule of Benefits, as indicated in Section 3.9; and

c) For which Treatment is obtained within twenty‐four (24) hours of the sudden and unexpected outbreak or recurrence.

A Pre‐Existing Condition will not be considered an Acute Onset of a Pre‐Existing Condition(s):

(i) If the condition is chronic, Congenital or gradually becomes worse over time; or

(ii) If, during the thirty (30) days prior to the acute event, You had a change in prescription or Treatment for a diagnosis related to the underlying Pre‐Existing Condition.

Pre‐Existing Condition(s): Any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental or Nervous Disorder, regardless of the cause, including any Congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom, that with reasonable medical certainty existed at the time of Application or any time during the twelve (12) months prior to the Effective Date of Coverage under this Certificate, whether or not previously manifested, symptomatic, known, diagnosed, treated, or disclosed. This specifically includes, but is not limited to, any medical condition, sickness, Injury, Illness, disease, Mental Illness, or Mental or Nervous Disorder for which medical advice, diagnosis, care, or Treatment was recommended or received or for which a reasonably prudent person would have sought Treatment during the 12‐month period immediately preceding the Effective Date of Coverage under this Certificate.

Section 8. Exclusions

Unless otherwise specifically provided for therein, the coverage provided by the Certificate under Sections 3.2, 3.3, 3.6, 3.7, 3.9, 4.1, 4.2, 5.1 through 5.6, 5.8, 6.2, 6.3, 6.5, and 7.1 excludes Expenses that are for, resulting from, related to, or incurred for the following:

a) Pre-Existing Condition(s) except as waived under Sections 3.8 and 5.1 through 5.5 above;

3.8 Acute Onset of Pre-Existing Condition(s).

If You are under the age of seventy (70) years, the exclusion set forth in Section 8(a) does not apply to the eligible medical Expenses for the first Acute Onset of a PreExisting Condition(s) during the Period of Coverage, up to the amount set forth in the Schedule of Benefits for eligible Covered Expenses incurred outside of Your Home Country. This benefit also applies to Insured Persons from age seventy (70) years to seventy-nine (79) years for the amount set forth for them in the Schedule of Benefits. The Deductible, Copay and Coinsurance options set forth in Section 3.1 apply to this coverage and will be Your responsibility.

This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to departure from Your Home Country and prior to the Effective Date of Coverage; coverage for Treatment for which You have traveled; or coverage for conditions for which travel was undertaken after Your Physician has limited or restricted travel.

Coverage begins 168 hours (7 days) after the Effective Date of Coverage and ceases on the earliest of:

(i) The condition no longer being considered acute; or

(ii) Your discharge from the Hospital.

As set forth in the Schedule of Benefits, there is no coverage under this benefit for Insured Persons age eighty (80) years and over.

Acute Onset of Pre-Existing Condition(s): Sudden and unexpected outbreak or recurrence of a Pre-Existing Condition(s) is one:

a) That occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care;

b) That occurs during the Period of Coverage, after the 168-hour (7-day) waiting period, and prior to the age shown in the Schedule of Benefits, as indicated in Section 3.8; and

c) For which Treatment is obtained within twenty-four (24) hours of the sudden and unexpected outbreak or recurrence.

A Pre-Existing Condition will not be considered an Acute Onset of a Pre-Existing Condition(s):

(i) If the condition is chronic, Congenital or gradually becomes worse over time; or

(ii) If, during the thirty (30) days prior to the acute event, You had a change in prescription or Treatment for a diagnosis related to the underlying Pre-Existing Condition.

Pre-Existing Condition(s): Any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental or Nervous Disorder, regardless of the cause, including any Congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom, that with reasonable medical certainty existed at the time of Application or any time during the thirty-six (36) months prior to the Effective Date of Coverage under this Certificate, whether or not previously manifested, symptomatic, known, diagnosed, treated, or disclosed. This specifically includes, but is not limited to, any medical condition, sickness, Injury, Illness, disease, Mental Illness, or Mental or Nervous Disorder for which medical advice, diagnosis, care, or Treatment was recommended or received or for which a reasonably prudent person would have sought Treatment during the 36-month period immediately preceding the Effective Date of Coverage under this Certificate.

This plan does not cover any loss caused by or resulting from:

o) PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition (excluding any condition from which death ensues) of an Insured, Traveling Companion, Business Partner or Family Member which, within the 180 day period immediately preceding and including the Insured’s coverage effective date: a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; b) for which care or treatment was given or recommended by a Physician; c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

The Company will waive the pre-existing medical condition exclusion up to a maximum of the first $30,000 of Trip Cost if the following conditions are met:

(1) This plan is purchased within 15 days of Initial Trip Payment;

(2) The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase and the costs of any subsequent arrangements added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangements;

(3) All Insureds are medically able to travel when this plan cost is paid;

(4) The Trip Cost does not exceed the maximum Trip Cost limit under Trip Cancellation as shown in the Schedule per person (only applicable to Trip Cancellation/Interruption/ Delay);

This coverage will be terminated and no benefits will be paid under this Preexisting Medical Condition Exclusion Waiver coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured.

This plan does not cover any loss caused by or resulting from:

o) PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition (excluding any condition from which death ensues) of an Insured, Traveling Companion, Business Partner or Family Member which, within the 180 day period immediately preceding and including the Insured’s coverage effective date: a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; b) for which care or treatment was given or recommended by a Physician; c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

The Company will waive the pre-existing medical condition exclusion up to a maximum of the first $30,000 of Trip Cost if the following conditions are met:

(1) This plan is purchased within 15 days of Initial Trip Payment;

(2) The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase and the costs of any subsequent arrangements added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangements;

(3) All Insureds are medically able to travel when this plan cost is paid;

(4) The Trip Cost does not exceed $100,000, per person (only applicable to Trip Cancellation/Interruption/ Delay);

This coverage will be terminated and no benefits will be paid under this Preexisting Medical Condition Exclusion Waiver coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured.

This plan does not cover any loss caused by or resulting from:

k) PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition (excluding any condition from which death ensues) of an Insured, Traveling Companion, Business Partner or Family Member which, within the 180 day period immediately preceding and including the Insured’s coverage effective date: a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; b) for which care or treatment was given or recommended by a Physician; c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

The Company will waive the pre-existing medical condition exclusion if the following conditions are met:

(1) This plan is purchased within 15 days of Initial Trip Payment;

(2) The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase and the costs of any subsequent arrangements added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangements;

(3) All Insured’s are medically able to travel when this plan cost is paid;

(4) The Trip Cost does not exceed the maximum Trip Cost limit under Trip Cancellation as shown in the Schedule per person (only applicable to Trip Cancellation/Interruption/ Delay).

This coverage will be terminated and no benefits will be paid under this Preexisting Medical Condition Exclusion Waiver coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured.

Coverages to which General Exclusions apply: The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

1. Pre-Existing Conditions, unless: a) the Policy is purchased within 14 days of Your initial trip deposit; b) the booking for the Covered Trip must be the first and only booking for this travel period and destination; and c) You are not disabled in a way that prevents you from traveling at the time You pay the premium;

“Pre-Existing Condition” means any Accidental Injury, sickness or condition of You, Your Traveling Companion or Your Family Member booked to travel with You for which medical advice, diagnosis, care or treatment was recommended or received within the 60 day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription throughout the entire 60 day period ending on the Effective Date and no medical advice, diagnosis, care or treatment has otherwise been received.

GENERAL LIMITATIONS AND EXCLUSIONS

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion, and family member. This policy does not cover any loss for, caused by or resulting from:

aa. Any loss or expense incurred as the result of a pre-existing medical condition.

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

Pre-existing medical conditions.

Accidental Death and Dismemberment – Common Carrier (Air Only) Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment – Common Carrier (Air Only) Benefit. No benefits will be paid for any lossfor, caused by, or resulting from:

Pre-existing medical conditions.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

We will waive the pre-existing medical condition exclusion if the following conditions are met:

a. This plan is purchased within fifteen (15) days of initial trip payment;

b. The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the trip at the time of purchase and the costs of any subsequent arrangements added to the same trip are insured within fifteen (15) days of initial trip payment for any subsequent trip arrangements;

c. All insureds are medically able to travel when this plan cost is paid; and

d. The trip cost does not exceed ten thousand dollars ($10,000).

This coverage will be terminated and no benefits will be paid under this Pre-existing Medical Condition Exclusion Waiver coverage if the full costs of all prepaid, non-refundable trip arrangements are not insured.

Pre-existing medical condition means an injury, sickness, death or other condition of you, your traveling companion, or family member to which any of the following applied within the one hundred eighty (180) day period immediately preceding and including the purchase date of this plan:

a. First manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or

b. Care, testing or treatment was given or recommended by a physician; or

c. Required a change in prescribed medication.

Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:

a. Between a brand name and a generic medication with comparable dosage; or

b. An adjustment to insulin or anti-coagulant dosage.

SECTION VI. GENERAL LIMITATIONS AND EXCLUSIONS

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion, family member, host at destination, business partner and service animal. This policy does not cover any loss for, caused by or resulting from:

aa. Any loss or expense incurred as the result of a pre-existing medical condition.

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

i. Pre-existing medical conditions.

Accidental Death and Dismemberment – Common Carrier (Air Only) Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment – Common Carrier (Air Only) Benefit. No benefits will be paid for any lossfor, caused by, or resulting from:

i. Pre-existing medical conditions.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

We will waive the pre-existing medical condition exclusion if the following conditions are met:

a. This plan is purchased within fifteen (15) days of initial trip payment;

b. The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the trip at the time of purchase and the costs of any subsequent arrangements added to the same trip are insured within fifteen (15) days of initial trip payment for any subsequent trip arrangements;

c. All insureds are medically able to travel when this plan cost is paid; and

d. The trip cost does not exceed twenty thousand dollars ($20,000).

This coverage will be terminated and no benefits will be paid under this Pre-existing Medical Condition Exclusion Waiver coverage if the full costs of all prepaid, non-refundable trip arrangements are not insured.

Pre-existing medical condition means an injury, sickness, death or other condition of you, your traveling companion, family member, host at destination, business partner or service animal to which any of the following applied within the one hundred eighty (180) day period immediately preceding and including the purchase date of this plan:

a. First manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or

b. Care, testing or treatment was given or recommended by a physician; or

c. Required a change in prescribed medication.

Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:

a. Between a brand name and a generic medication with comparable dosage; or

b. An adjustment to insulin or anti-coagulant dosage.

Coverages to which General Exclusions apply: In addition to any applicable benefit-specific exclusions, the following exclusions apply to all Losses and all benefits. Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, and Immediate Family Member.

Pre-Existing Conditions Waiver

We will waive the Pre-Existing Conditions exclusion provided:

a. The Policy is purchased within 14 days of Your Initial Trip Deposit;
b. The booking for the Covered Trip must be the first and only booking for this travel period and Destination;
c. You are not disabled in a way that prevents You from travelling at the time You pay the premium;
d. You are medically able to travel when the plan is purchased; and
e. You insure 100% of Your Trip Cost.

We will not pay for Loss caused by or resulting from:

1. Pre-Existing Conditions, unless the Pre-Existing Conditions Waiver is met;

Pre-Existing Condition means any Accidental Injury, Sickness or condition of You, Your Traveling Companion or Your Immediate Family Member booked to travel with You for which medical advice, diagnosis, care or treatment was recommended or received within the 90 day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the Sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription throughout the entire 90 day period ending on the Effective Date and no medical advice, diagnosis, care or treatment has otherwise been received.

Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:

a. Between a brand name and a generic medication with comparable dosage; or
b. An adjustment to insulin or anti-coagulant dosage.

SECTION IV. GENERAL EXCLUSIONS AND LIMITATIONS

Benefits are not payable for any loss due to, arising or resulting from:

14. due to a Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or return of remains coverage;

PRE-EXISTING CONDITION EXCLUSION:

The Company will not pay for any expense as a result of any illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member: 1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this Exclusion does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.

Waiver of the Pre-Existing Condition Exclusion

The exclusion for Pre-Existing Condition will be waived provided:

a) Your Payment for this Policy and enrollment form are received within 21 days of the date Your initial Payment or Deposit for Your Trip is received; and

b) You insure all Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 21 days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and

c) You are not disabled from travel at the time Your premium is paid.

“Pre-Existing Condition” means an illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or a Family Member : 1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.

EXCLUSIONS AND LIMITATIONS

The following exclusion(s) appl(y)(ies) to the Trip Cancellation and Trip Interruption.

We will not pay for any loss or expense caused due to, arising or resulting from:

1. a Pre-Existing Medical Condition, as defined in the policy.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

We will waive the Pre-Existing Medical Condition exclusion if all of the following conditions are met:

a. Your premium for this policy and enrollment form is received within the Time Sensitive Period; and b. You are medically able and not disabled from travel at the time Your premium is paid based on assessment of a Physician.

Pre-Existing Medical Condition means an illness, disease, or other condition during the 60-day period immediately prior to the date Your coverage is effective for which You, Your Traveling Companion, Business Partner, or Family Member:

1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or

2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this policy.

3) Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:

a) between a brand name and a generic medication with comparable dosage; or b) an adjustment to insulin or anti-coagulant dosage.

Time Sensitive Period means insurance must be purchased within 21 days of the date Your initial Payments or Deposits for Your Trip is received.

EXCLUSIONS AND LIMITATIONS

The following exclusion(s) appl(y)(ies) to the Trip Cancellation and Trip Interruption.

We will not pay for any loss or expense caused due to, arising or resulting from:

1. a Pre-Existing Medical Condition, as defined in the policy.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

We will waive the Pre-Existing Medical Condition exclusion if all of the following conditions are met:

a. Your premium for this policy and enrollment form is received within the Time Sensitive Period; and
b. You are medically able and not disabled from travel at the time Your premium is paid based on assessment of a Physician.

Pre-Existing Medical Condition means an illness, disease, or other condition during the 60-day period immediately prior to the date Your coverage is effective for which You, Your Traveling Companion, Business Partner, or Family Member:

1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or

2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this policy.

3) Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:

a) between a brand name and a generic medication with comparable dosage; or b) an adjustment to insulin or anti-coagulant dosage.

Time Sensitive Period means insurance must be purchased within 14 days of the date Your initial Payments or Deposits for Your Trip is received.

This plan does not cover any loss caused by or resulting from:

PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition (excluding any condition from which death ensues) of an Insured, Traveling Companion, Business Partner or Family Member which, within the 60 day period immediately preceding and including the Insured’s coverage effective date: a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; b) for which care or treatment was given or recommended by a Physician; c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

The Company will waive the pre-existing medical condition exclusion if the following conditions are met:

(1) This plan is purchased within 15 days of Initial Trip Payment;

(2) The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase and the costs of any subsequent arrangements added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangements;

(3) All Insured’s are medically able to travel when this plan cost is paid;

(4) The Trip Cost does not exceed the maximum Trip Cost limit under Trip Cancellation as shown in the Schedule per person (only applicable to Trip Cancellation/Interruption/ Delay);

This coverage will be terminated and no benefits will be paid under this Preexisting Medical Condition Exclusion Waiver coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured.

EXCLUSIONS AND LIMITATIONS

Unless otherwise shown below, these exclusions apply to You and Your Traveling Companion scheduled and booked to travel with You.

The following exclusion(s) appl(y)(ies) to the Trip Cancellation, Trip Interruption and Medical Expense.

We will not pay for any loss or expense caused due to, arising or resulting from:

a Pre-Existing Medical Condition, as defined in the policy.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

We will waive the Pre-Existing Medical Condition exclusion if all of the following conditions are met:

a. Your premium for this policy is received within the Time Sensitive Period; and

b. You are medically able and not disabled from travel at the time Your premium is paid based on assessment of a Physician.

Pre-Existing Medical Condition means an illness, disease, or other condition during the 60-day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner, or Family Member scheduled or booked to travel with You:

1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or

2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this policy.

3) Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:

a) between a brand name and a generic medication with comparable dosage; or

b) an adjustment to insulin or anti-coagulant dosage.

Time Sensitive Period means insurance must be purchased within 21 days of the date Your initial Payments or Deposits for Your Trip is received.

Unless otherwise shown below, these exclusions apply to You and Your Traveling Companion scheduled and booked to travel with You.

The following exclusion(s) appl(y)(ies) to the Trip Cancellation, Trip Interruption and Medical Expense.

We will not pay for any loss or expense caused due to, arising or resulting from:

a Pre-Existing Medical Condition, as defined in the policy.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

We will waive the Pre-Existing Medical Condition exclusion if all of the following conditions are met:

a. Your premium for this policy is received within the Time Sensitive Period; and

b. You are medically able and not disabled from travel at the time Your premium is paid based on assessment of a Physician.

Time Sensitive Period means insurance must be purchased within 21 days of the date Your initial Payments or Deposits for Your Trip is received.

Pre-Existing Medical Condition means an illness, disease, or other condition during the 60-day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner, or Family Member scheduled or booked to travel with You:

1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or

2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this policy.

3) Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:

a) between a brand name and a generic medication with comparable dosage; or
b) an adjustment to insulin or anti-coagulant dosage.

Benefits are not payable for any loss due to, arising or resulting from:

13. due to a Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or Return of Remains coverage;

Waiver of the Pre-Existing Condition Exclusion

The exclusion for Pre-Existing Condition will be waived provided:

a) Your payment for this Policy and enrollment form are received within 21 days of the date Your initial Payment or Deposit for Your Trip is received; and

b) You are not disabled from travel at the time Your payment is paid.

“Pre-Existing Condition” means an illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You: 1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.

EXCLUSIONS

In addition to the Exclusions above, We will not pay Medical Expense Benefits for any loss, treatment or services that results from or contributed to by:

1. Pre-Existing Conditions, as defined.

UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION – For ages up to and including 64 the Maximum is $20,000 per Period of Coverage. Upon attaining age 65 the benefit will be reduced to a Maximum of $10,000.

Benefits are payable for an Unexpected Recurrence of a Pre-Existing Condition up to the maximum as stated in the Schedule of Benefits provided the condition or event:

1. occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care;

2. occurs a minimum of 48 hours after the Effective Date of the Policy; and

3. treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Any repeat/reoccurrence within the same Policy Period will no longer be considered Unexpected Recurrence of a Pre-Existing Condition and will not be eligible for additional coverage. This benefit covers only one (1) Unexpected Recurrence of a Pre-Existing Condition per Policy Period. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.

“Pre-Existing Condition” means any medical condition, Sickness, Injury, Illness, disease, mental Illness or mental nervous disorder, for which medical advice, diagnosis, care or Treatment was recommended or received or for which a reasonably prudent person would have sought Treatment during the 36-month period immediately preceding the Effective Date of Coverage under this Policy.

Pre-Existing shall also mean any Injury, Illness, Sickness, disease, or other physical, medical, mental or nervous disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the 36 months prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

Pre-Existing shall also include any Acute Onset of an Illness, Sickness, disease, or other physical, medical, mental or nervous disorder, condition or ailment that is an exacerbation of, due to, or associated with an underlying condition. Underlying condition shall include any condition that has been monitored by a Physician due to possible deterioration of the Covered Person’s diagnosis being changed, as a result of a previously known condition that can affect, degrade, and/or alter a Covered Person’s underlying condition, including any changes in medication.

“Acute Onset” means a sudden and unexpected outbreak or recurrence which occurs spontaneously and without advance warning.

“Unexpected Recurrence” means a sudden and unexpected outbreak or recurrence which occurs spontaneously and without advance warning.

In addition to the Exclusions above, We will not pay Medical Expense Benefits, Transportation Expenses or Additional Benefits for any loss, treatment or services that is caused by, contributed by or that results from:

1. Pre-Existing Conditions, as defined.

2. chronic or recurrent Illnesses.

ADDITIONAL MEDICAL EXPENSE BENEFITS

UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION

Benefits are payable for an Unexpected Recurrence of a Pre-Existing Condition up to the maximum as stated in the Schedule of Benefits provided the condition or event:

1. occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care;

2. occurs a minimum of 48 hours after the Effective Date of the Policy; and

3.treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Any repeat/reoccurrence within the same Policy Period will no longer be considered Unexpected Recurrence of a Pre-Existing Condition and will not be eligible for additional coverage. This benefit covers only one (1) Unexpected Recurrence of a Pre-Existing Condition per Policy Period. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.

“Pre-Existing Condition” means any medical condition, Sickness, Injury, Illness, disease, mental Illness or mental nervous disorder, for which medical advice, diagnosis, care or Treatment was recommended or received or for which a reasonably prudent person would have sought Treatment during the 36-month period immediately preceding the Effective Date of Coverage under this Policy.

Pre-Existing shall also mean any Injury, Illness, Sickness, disease, or other physical, medical, mental or nervous disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the 36 months prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

Pre-Existing shall also include any Acute Onset of an Illness, Sickness, disease, or other physical, medical, mental or nervous disorder, condition or ailment that is an exacerbation of, due to, or associated with an underlying condition. Underlying condition shall include any condition that has been monitored by a Physician due to possible deterioration of the Covered Person’s diagnosis being changed, as a result of a previously known condition that can affect, degrade, and/or alter a Covered Person’s underlying condition, including any changes in medication.

“Acute Onset” means a sudden and unexpected outbreak or recurrence which occurs spontaneously and without advance warning.

“Unexpected Recurrence” means a sudden and unexpected outbreak or recurrence which occurs spontaneously and without advance warning.

In addition to the Exclusions above, We will not pay Medical Expense Benefits, Transportation Expenses or Additional Benefits for any loss, treatment or services that is caused by, contributed by or that resultsfrom:

1. Pre-Existing Conditions, as defined.

“Pre-Existing Condition” means any medical condition, Sickness, Injury, Illness, disease, mental Illness or mental nervous disorder, for which medical advice, diagnosis, care or Treatment was recommended or received or for which a reasonably prudent person would have sought Treatment during the 36-month period immediately preceding the Effective Date of Coverage under this Policy.

Pre-Existing shall also mean any Injury, Illness, Sickness, disease, or other physical, medical, mental or nervous disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the 36 months prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

Pre-Existing shall also include any Acute Onset of an Illness, Sickness, disease, or other physical, medical, mental or nervous disorder, condition or ailment that is an exacerbation of, due to, or associated with an underlying condition. Underlying condition shall include any condition that has been monitored by a Physician due to possible deterioration of the Covered Person’s diagnosis being changed, as a result of a previously known condition that can affect, degrade, and/or alter a Covered Person’s underlying condition, including any changes in medication.

UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION

Benefits are payable for an Unexpected Recurrence of a Pre-Existing Condition up to the maximum as stated in the Schedule of Benefits provided the condition or event: 1. occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care; 2. occurs a minimum of 48 hours after the Effective Date of the Policy; and 3. treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Any repeat/reoccurrence within the same Policy Period will no longer be considered Unexpected Recurrence of a Pre-Existing Condition and will not be eligible for additional coverage. This benefit covers only one (1) Unexpected Recurrence of a Pre-Existing Condition per Policy Period. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.

In addition to the Exclusions above, We will not pay Medical Expense Benefits, Transportation Expenses or Additional Benefits for any loss, treatment or services that is caused by, contributed by or that results from:

1. Pre-Existing Conditions, as defined.

“Pre-Existing Condition” means any medical condition, Sickness, Injury, Illness, disease, mental Illness or mental nervous disorder, for which medical advice, diagnosis, care or Treatment was recommended or received or for which a reasonably prudent person would have sought Treatment during the 36-month period immediately preceding the Effective Date of Coverage under this Policy.

Pre-Existing shall also mean any Injury, Illness, Sickness, disease, or other physical, medical, mental or nervous disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the 36 months prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

Pre-Existing shall also include any Acute Onset of an Illness, Sickness, disease, or other physical, medical, mental or nervous disorder, condition or ailment that is an exacerbation of, due to, or associated with an underlying condition. Underlying condition shall include any condition that has been monitored by a Physician due to possible deterioration of the Covered Person’s diagnosis being changed, as a result of a previously known condition that can affect, degrade, and/or alter a Covered Person’s underlying condition, including any changes in medication.

ACUTE ONSET OF PRE-EXISTING CONDITION

For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Policy Period except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $25,000. Upon attaining age70 Acute Onset benefits will be reduced to a Maximum of $35,000 except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $15,000.

ACUTE ONSET OF PRE-EXISTING CONDITION (PER POLICY PERIOD) Benefits are payable for an Acute Onset of a PreExisting Condition. Any repeat/reoccurrence within the same Policy Period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. A Pre-Existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset. This benefit covers only one (1) Acute Onset episode of a Pre-Existing condition. Sudden and Acute Onset of a Pre-Existing Condition Coverage expires upon medical advice that the condition and onset is no longer acute, or the Covered Person is discharged from a medical facility.

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier, Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section;

The Pre-Existing Condition exclusion will be waived provided:

a) Your premium is received within the Time Sensitive Period; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You are medically able to travel on Your Effective Date.

Time Sensitive Period means within ten (10) days of the Initial Deposit Date and within ten (10) days of payment for any subsequent Travel Arrangements added to Your Trip.

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date of Your Policy for which You, Your Traveling Companion, or a Family Member booked to travel with You: 1) exhibited symptoms that would have caused a typical person to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the Effective Date of Your Policy

LIMITATIONS AND EXCLUSIONS

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier, Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section;

The Pre-Existing Condition exclusion will be waived provided:

a) Your premium is received within the Time Sensitive Period; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You are medically able to travel on Your Effective Date.

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date of Your Policy for which You, Your Traveling Companion, or a Family Member booked to travel with You:

1) exhibited symptoms that would have caused a typical person to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the Effective Date of Your Policy.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section;

The Pre-Existing Condition exclusion will be waived provided:

a) Your premium is received within the Time Sensitive Period and prior to Final Payment; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure prior to or on the Final Payment due date the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You are medically able to travel on Your Effective Date.

Pre-Existing Condition means an illness, disease, or other condition during the ninety (90) day period immediately prior to the Effective Date of Your Policy for which You, Your Traveling Companion, or a Family Member booked to travel with You: 1) exhibited symptoms that would have caused a typical person to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine.Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the ninety (90) day period before the Effective Date of Your Policy.

Time Sensitive Period means within twenty-one (21) days of the Initial Deposit Date and within twenty-one (21) days of payment for any subsequent Travel Arrangements added to Your Trip.

Final Payment means the last payment made to Your Travel Supplier that satisfies the total cost of the Trip (meaning You now have a zero ($0.00) balance due for all Trip arrangements)

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

1. Pre-Existing Conditions, unless: a) the Policy is purchased within 14 days of Your initial trip deposit; b) the booking for the Covered Trip must be the first and only booking for this travel period and destination; and c) You are not disabled in a way that prevents you from traveling at the time You pay the premium;

“Pre-Existing Condition” means any Accidental Injury, sickness or condition of You, Your Traveling Companion or Your Family Member booked to travel with You for which medical advice, diagnosis, care or treatment was recommended or received within the 60 day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription throughout the entire 60 day period ending on the Effective Date and no medical advice, diagnosis, care or treatment has otherwise been received.

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Accidental Death and Dismemberment – Air Only, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation, Renters Collision and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

1. Pre-Existing Conditions, unless the Policy includes the benefit for Trip Cancellation For Any Reason and: a) the Policy is purchased within 14 days of Your initial trip deposit; b) the booking for the Covered Trip must be the first and only booking for this travel period and destination; and c) You are not disabled in a way that prevents you from travelling at the time You pay the premium;

“Pre-Existing Condition” means any Accidental Injury, sickness or condition of You, Your Traveling Companion or Your Family Member booked to travel with You for which medical advice, diagnosis, care or treatment was recommended or received within the 60 day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription throughout the entire 60 day period ending on the Effective Date and no medical advice, diagnosis, care or treatment has otherwise been received.

Excluded Conditions, Treatments (includes Diagnoses, Tests, and Examinations), Services, Supplies, Acts, Omissions, and/or Events:

2. Pre-existing Conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition, as herein defined, subject to the limits set forth in the Schedule of Benefits and Limits.

PRE-EXISTING MEDICAL CONDITIONS

A Pre-Existing Condition is an illness or other medical condition that was treated, diagnosed, or changed, or existed with reasonable medical certainty during a policy’s lookback period.

This policy does not cover charges, in whole or in part, resulting from, related to, arising from, or necessitated by a pre-existing condition(s), except and unless charges resulted directly from an acute onset of pre-existing condition in which case the charges will be covered only according to the Terms of the Acute Onset of Pre-existing Conditions provision.

Pre-existing Condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

For the purposes of the Complications of Pregnancy coverage offered hereunder, pregnancy will not be included within the definition of a pre-existing condition.

Acute Onset of Pre-Existing Conditions

Subject to all other terms, conditions and limitations of this Master Policy, in the event you experience an acute onset of a pre-existing condition during the certificate period for which immediate treatment is essential and necessary to stabilize the pre-existing condition, this Master Policy will cover eligible medical expenses incurred during the certificate period with respect to an acute onset of the pre-existing condition provided that at the time of the acute onset of a pre-existing condition.The benefit will apply only if all of the following conditions are met:

a) The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;

b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;

c) You must be under eighty (80) years of age;

d) You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;

e) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;

f) You must be traveling outside your Home Country

Such coverage shall be subject to all other policy terms, conditions and exclusions, including the General Exclusions and the limits set forth in Schedule of Benefits and Limits.

Acute Onset of Pre-existing Condition means a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre existing condition that is a chronic or congenital, or that gradually becomes worse over time is not acute onset of a pre-existing condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) was told that he/she must or should receive, any medical care, drugs or treatment.

Excluded Conditions, Treatments (includes Diagnoses, Tests, and Examinations), Services, Supplies, Acts, Omissions, and/or Events:

2. Pre-existing Conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition, as herein defined, subject to the limits set forth in the Schedule of Benefits and Limits.

PRE-EXISTING MEDICAL CONDITIONS

A Pre-Existing Condition is an illness or other medical condition that was treated, diagnosed, or changed, or existed with reasonable medical certainty during a policy’s lookback period.

This policy does not cover charges, in whole or in part, resulting from, related to, arising from, or necessitated by a pre-existing condition(s), except and unless charges resulted directly from an acute onset of pre-existing condition in which case the charges will be covered only according to the Terms of the Acute Onset of Pre-existing Conditions provision.

Pre-existing Condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

For the purposes of the Complications of Pregnancy coverage offered hereunder, pregnancy will not be included within the definition of a pre-existing condition.

Acute Onset of Pre-Existing Conditions

Subject to all other terms, conditions and limitations of this Master Policy, in the event you experience an acute onset of a pre-existing condition during the certificate period for which immediate treatment is essential and necessary to stabilize the pre-existing condition, this Master Policy will cover eligible medical expenses incurred during the certificate period with respect to an acute onset of the pre-existing condition provided that at the time of the acute onset of a pre-existing condition.The benefit will apply only if all of the following conditions are met:

a) The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;

b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;

c) You must be under eighty (80) years of age;

d) You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;

e) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;

f) You must be traveling outside your Home Country

Such coverage shall be subject to all other policy terms, conditions and exclusions, including the General Exclusions and the limits set forth in Schedule of Benefits and Limits.

Acute Onset of Pre-existing Condition means a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre existing condition that is a chronic or congenital, or that gradually becomes worse over time is not acute onset of a pre-existing condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) was told that he/she must or should receive, any medical care, drugs or treatment.

Excluded Conditions, Treatments (includes Diagnoses, Tests, and Examinations), Services, Supplies, Acts, Omissions, and/or Events:

2. Pre-existing Conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition, as herein defined, subject to the limits set forth in the Schedule of Benefits and Limits.

PRE-EXISTING MEDICAL CONDITIONS

A Pre-Existing Condition is an illness or other medical condition that was treated, diagnosed, or changed, or existed with reasonable medical certainty during a policy’s lookback period.

This policy does not cover charges, in whole or in part, resulting from, related to, arising from, or necessitated by a pre-existing condition(s), except and unless charges resulted directly from an acute onset of pre-existing condition in which case the charges will be covered only according to the Terms of the Acute Onset of Pre-existing Conditions provision.

Pre-existing Condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

For the purposes of the Complications of Pregnancy coverage offered hereunder, pregnancy will not be included within the definition of a pre-existing condition.

ACUTE ONSET OF PRE-EXISTING CONDITIONS

Subject to all other terms, conditions and limitations of this Master Policy, in the event you experience an acute onset of a pre-existing condition during the certificate period for which immediate treatment is essential and necessary to stabilize the pre-existing condition, this Master Policy will cover eligible medical expenses incurred during the certificate period with respect to an acute onset of the pre-existing condition provided that at the time of the acute onset of a pre-existing condition. The benefit will apply only if all of the following conditions are met:

a. The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;

b. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;

c. You must be under eighty (80) years of age;

d. You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;

e. You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;

f. You must be traveling outside your Home Country

Such coverage shall be subject to all other policy terms, conditions and exclusions, including the General Exclusions and the limits set forth in Schedule of Benefits and Limits

Acute Onset of Pre-existing Condition means a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time is not acute onset of a pre-existing condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) was told that he/she must or should receive, any medical care, drugs or treatment.

Excluded Conditions, Treatments (includes Diagnoses, Tests, and Examinations), Services, Supplies, Acts, Omissions, and/or Events:

2. Pre-existing Conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition, as herein defined, subject to the limits set forth in the Schedule of Benefits and Limits.

PRE-EXISTING MEDICAL CONDITIONS

A Pre-Existing Condition is an illness or other medical condition that was treated, diagnosed, or changed, or existed with reasonable medical certainty during a policy’s lookback period.

This policy does not cover charges, in whole or in part, resulting from, related to, arising from, or necessitated by a pre-existing condition(s), except and unless charges resulted directly from an acute onset of pre-existing condition in which case the charges will be covered only according to the Terms of the Acute Onset of Pre-existing Conditions provision.

Pre-existing Condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

For the purposes of the Complications of Pregnancy coverage offered hereunder, pregnancy will not be included within the definition of a pre-existing condition.

ACUTE ONSET OF PRE-EXISTING CONDITIONS

Subject to all other terms, conditions and limitations of this Master Policy, in the event you experience an acute onset of a pre-existing condition during the certificate period for which immediate treatment is essential and necessary to stabilize the pre-existing condition, this Master Policy will cover eligible medical expenses incurred during the certificate period with respect to an acute onset of the pre-existing condition provided that at the time of the acute onset of a pre-existing condition. The benefit will apply only if all of the following conditions are met:

a. The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;

b. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;

c. You must be under eighty (80) years of age;

d. You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;

e. You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;

f. You must be traveling outside your Home Country

Such coverage shall be subject to all other policy terms, conditions and exclusions, including the General Exclusions and the limits set forth in Schedule of Benefits and Limits.

Acute Onset of Pre-existing Condition means a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time is not acute onset of a pre-existing condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) was told that he/she must or should receive, any medical care, drugs or treatment.

General Exclusions and Limitations

Benefits are not payable for any loss due to, arising or resulting from:

1. a Pre-existing Condition, as defined in the Policy. Death resulting from a Pre-existing Condition will not be excluded. This Pre-existing Condition exclusion does not apply to the Emergency Medical Evacuation or Repatriation of Remains coverage.

Waiver of the Pre-Existing Condition Exclusion: The exclusion for Pre-existing Conditions will be waived provided: a) Your premium for this Policy is received within the Time Sensitive Period; and b) You are medically able to travel at the time You make Your payment for this Policy;

Pre-existing Condition means an illness, disease, or other condition during the ninety (90) day period immediately prior to the Effective Date of Your coverage for which You:

1. received a test, examination, or Medical Treatment;

2. received a recommendation for a test, examination, or Medical Treatment; or

3. took or received a prescription for drugs or medicine.

Item (3) above does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine, and remains treated or controlled without any adjustment or change in the required prescription throughout the ninety (90) day period before Your coverage is effective under this Policy.

Change in required prescription means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is 1. between a brand name and a generic medication with comparable dosage; or 2. an adjustment to insulin or anti-coagulant dosage.

Time Sensitive Period means:

For initial Policy purchase:

within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received.

For subsequent arrangements:

within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip.

Benefits are not payable for any loss due to, arising or resulting from:

1. a Pre-existing Condition, as defined in the Policy. Death resulting from a Pre-existing Condition will not be excluded. This Pre-existing Condition exclusion does not apply to the Emergency Medical Evacuation or Repatriation of Remains coverage.

Waiver of the Pre-Existing Condition Exclusion: The exclusion for Pre-existing Conditions will be waived provided:
a) Your premium for this Policy is received within the Time Sensitive Period; and
b) You are medically able to travel at the time You make Your payment for this Policy;

Pre-existing Condition means an illness, disease, or other condition during the ninety (90) day period immediately prior to the Effective Date of Your coverage for which You:
1. received a test, examination, or Medical Treatment;
2. received a recommendation for a test, examination, or Medical Treatment; or
3. took or received a prescription for drugs or medicine.

Item (3) above does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine, and remains treated or controlled without any adjustment or change in the required prescription throughout the ninety (90) day period before Your coverage is effective under this Policy. Change in required prescription means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is
1. between a brand name and a generic medication with comparable dosage; or
2. an adjustment to insulin or anticoagulant dosage.

Time Sensitive Period means:

For initial Policy purchase:

within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received.

For subsequent arrangements:
within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip.