Pre-Existing Condition Full Policy Wording

Each policy’s Pre-Existing Condition coverage is detailed below. View the coverage summary here.

April Travel Protection
April Travel Protection

1

Choice
April Travel Protection

Pre-Existing Condition Benefits

Covered if purchased within 14 days of trip deposit

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Full Policy Wording

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 there from.

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

a. coverage is purchased prior to or within 14 days of your initial deposit; 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.

2

Choice
April Travel Protection

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 180 days

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Full Policy Wording

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 there from.

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.

Arch RoamRight
Arch RoamRight

3

Essential
Arch RoamRight

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 180 days

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Full Policy Wording

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

1. due to 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;

“Pre-Existing Condition” means an illness, disease, or other condition during the 180 day period immediately prior to the Effective Date of Your coverage 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; 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 Your coverage is effective under this policy.

4

Preferred
Arch RoamRight

Pre-Existing Condition Benefits

Covered if purchased within 21 days of trip deposit

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Full Policy Wording

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

1. due to 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;

Waiver of the Pre-Existing Condition Exclusion

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

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

b) You insure 100% of the cost of all Travel Arrangements that are subject to cancellation penalties or restrictions by the Travel Supplier; and

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

d) The booking for the Trip is the Insured’s first and only booking for this travel period and destination.

“Pre-Existing Condition” means an illness, disease, or other condition during the 180 day period immediately prior to the Effective Date of Your coverage 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; 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 Your coverage is effective under this policy.

5

Elite
Arch RoamRight

Pre-Existing Condition Benefits

Covered if purchased within 21 days of trip deposit

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Full Policy Wording

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

1. due to 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;

Waiver of the Pre-Existing Condition Exclusion

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

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

b) You insure 100% of the cost of all Travel Arrangements that are subject to cancellation penalties or restrictions by the Travel Supplier; and

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

d) The booking for the Trip is the Insured’s first and only booking for this travel period and destination.

“Pre-Existing Condition” means an illness, disease, or other condition during the 180 day period immediately prior to the Effective Date of Your coverage 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; 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 Your coverage is effective under this policy.

6

Multi-Trip
Arch RoamRight

Pre-Existing Condition Benefits

Covered

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Full Policy Wording

“Pre-Existing Condition” means an illness, disease, or other condition during the 180 day period immediately prior to the Effective Date of Your coverage 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; 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 Your coverage is effective under this policy.

Waiver for the Pre-Existing Condition Exclusion

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

a) You or the individual with the Pre-Existing Condition, are not disabled from travel at the time Your premium is paid.

AXA Assistance USA
AXA Assistance USA

7

Silver
AXA Assistance USA

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 60 days

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Full Policy Wording

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

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains);

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which You, a Traveling Companion, a Family Member booked to travel with You: 1) exhibited symptoms that would have caused one 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.

8

Gold
AXA Assistance USA

Pre-Existing Condition Benefits

Covered if purchased within 14 days of trip deposit

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Full Policy Wording

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation, Non-Medical Emergency Evacuation, Repatriation of Remains and Collision Damage Waiver:

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains);

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which You, a Traveling Companion, a Family Member booked to travel with You: 1) exhibited symptoms that would have caused one 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.

The Pre-Existing Conditions exclusion is waived if You a) enroll in this Certificate at the time You pay the deposit required for Your Trip (or within fourteen (14) days of the initial deposit); b) purchase this Certificate for the full cost of Your Trip; and c) are medically able to travel on the Effective Date.

9

Platinum
AXA Assistance USA

Pre-Existing Condition Benefits

Covered if purchased within 14 days of trip deposit

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Full Policy Wording

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Lost Golf Rounds, Lost Skier Days, Sports Equipment Rental, Non-Medical Emergency Evacuation, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation, Repatriation of Remains and Collision Damage Waiver:

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains);

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which You, a Traveling Companion, a Family Member booked to travel with You: 1) exhibited symptoms that would have caused one 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.

The Pre-Existing Conditions exclusion is waived if You a) enroll in this Certificate at the time You pay the deposit required for Your Trip (or within fourteen (14) days of the initial deposit); b) purchase this Certificate for the full cost of Your Trip; and c) are medically able to travel on the Effective Date.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

10

Beacon America incl US
Azimuth Risk Solutions, LLC

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 2 years

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Full Policy Wording

Pre-existing Condition Look-Back 730 days from original Effective Date

11

Beacon International excl US
Azimuth Risk Solutions, LLC

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 2 years

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Full Policy Wording

Pre-existing Condition Look-Back 730 days from original Effective Date

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

12

ExactCare
Berkshire Hathaway Travel Protection

Pre-Existing Condition Benefits

Covered if purchased within 15 days of trip deposit

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Full Policy Wording

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.

13

ExactCare Value
Berkshire Hathaway Travel Protection

Pre-Existing Condition Benefits

Covered if purchased within 15 days of trip deposit

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Full Policy Wording

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.

Cat 70
Cat 70

14

Travel Plan
Cat 70

Pre-Existing Condition Benefits

Covered if purchased within 14 days of trip deposit

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Full Policy Wording

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.

Generali Global Assistance
Generali Global Assistance

15

Standard
Generali Global Assistance

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 180 days

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Full Policy Wording

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.

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.

16

Preferred
Generali Global Assistance

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 180 days

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Full Policy Wording

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 there from.

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.

17

Premium
Generali Global Assistance

Pre-Existing Condition Benefits

Covered if policy purchased before the final trip payment

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Full Policy Wording

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.

GeoBlue
GeoBlue

18

Voyager Choice
GeoBlue

Pre-Existing Condition Benefits

Covered if enrolled in a Primary Health Insurance Plan

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Full Policy Wording

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.

A Primary Plan is a Group Health Benefit Plan, an individual health benefit plan, or certain governmental health plan (including Medicare Supplements and Medicare Advantage plans) designed to be the first payor of claims for a Covered Person prior to the responsibility of this Plan. Medicaid, state run Medicaid programs, and Veterans Administration health benefit plans are not considered a primary plan under this Certificate of Coverage.

19

Voyager Essential
GeoBlue

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 180 days

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Full Policy Wording

Pre-existing Condition Limitation

Benefits are not available for any services received on or within 180 days after the Eligibility Date of a Covered Person, if those services are related to a Pre-existing Condition as defined in the Definitions section. This limitation does not apply to the Emergency Medical Evacuation Benefit, the Repatriation of Mortal Remains Benefit and to the Bedside Visit Benefit.

NOTE: Creditable Coverage from another insurance carrier will NOT count towards satisfying the pre-existing limitation period.

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.

20

Trekker Choice excl US
GeoBlue

Pre-Existing Condition Benefits

Covered

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Full Policy Wording

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.

21

Trekker Essential excl US
GeoBlue

Pre-Existing Condition Benefits

Covered

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Full Policy Wording

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.

Global Guardian Air Ambulance
Global Guardian Air Ambulance

22

Air Ambulance Card - Standard Annual
Global Guardian Air Ambulance

Pre-Existing Condition Benefits

Covered

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Full Policy Wording

Air Ambulance Card Has No Pre-existing Condition Exclusion.

23

Air Ambulance Card - Extended Stay 6 Months
Global Guardian Air Ambulance

Pre-Existing Condition Benefits

Covered

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Full Policy Wording

Air Ambulance Card Has No Pre-existing Condition Exclusion.

24

Air Ambulance Card - Extended Stay 12 Months
Global Guardian Air Ambulance

Pre-Existing Condition Benefits

Covered

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Full Policy Wording

Air Ambulance Card Has No Pre-existing Condition Exclusion.

HTH Travel Insurance
HTH Travel Insurance

25

TripProtector Preferred
HTH Travel Insurance

Pre-Existing Condition Benefits

Covered if purchased within 21 days of trip deposit

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Full Policy Wording

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

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section (except for Emergency Evacuation and Repatriation of Remains);

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which You, a Traveling Companion, or a Family Member booked to travel with You: 1) exhibited symptoms that would have caused one 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.

The Pre-Existing Conditions exclusion is waived if You a) enroll in this Certificate within twenty-one (21) days of the initial Trip deposit; b) purchase this Certificate for the full cost of Your Trip; and c) are medically able to travel at the time the premium is paid.

26

TripProtector Economy
HTH Travel Insurance

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 60 days

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Full Policy Wording

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

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section (except for Emergency Evacuation and Repatriation of Remains);

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which You, a Traveling Companion, or a Family Member booked to travel with You: 1) exhibited symptoms that would have caused one 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.

27

TripProtector Classic
HTH Travel Insurance

Pre-Existing Condition Benefits

Covered if purchased within 14 days of trip deposit

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Full Policy Wording

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

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section (except for Emergency Evacuation and Repatriation of Remains);

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which You, a Traveling Companion, or a Family Member booked to travel with You: 1) exhibited symptoms that would have caused one 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.

The Pre-Existing Conditions exclusion is waived if You a) enroll in this Certificate within fourteen (14) days of the initial Trip deposit; b) purchase this Certificate for the full cost of Your Trip; and c) are medically able to travel at the time the premium is paid.

IMG
IMG

28

Patriot America
IMG

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 3 years

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Full Policy Wording

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.

PRE-EXISTING CONDITIONS:

Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded from coverage under this insurance.

29

Patriot International
IMG

Pre-Existing Condition Benefits

$20,000 per person Emergency Medical for Unexpected Recurrence age 64 and under
$2,500 per person Emergency Medical Unexpected Recurrence age 65 and over

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Full Policy Wording

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 there from.

Acute Onset of Pre-existing Condition: A sudden and Unexpected outbreak or recurrence of a Pre-existing Condition which occurs: (1) spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care, (2) after the Effective Date, and (3) prior to the age shown in the BENEFIT SUMMARY. Treatment must be obtained within twenty-four (24) hours of the sudden and Unexpected outbreak or recurrence. 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.

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) 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

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

c) 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

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

e) 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 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

(iii) 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.

(3) 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.

30

Patriot Multi-Trip America
IMG

Pre-Existing Condition Benefits

$5,000 per person Emergency Medical for Unexpected Recurrence

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Full Policy Wording

Q. SUDDEN AND UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION. Subject to the Terms of this insurance, including without limitation the Exclusions set forth in Section T, the Conditions and Restrictions set forth below and the applicable Deductible and Coinsurance and other limits and sub-limits as specified in the Schedule of Benefits/Limits set forth in Section C, above, in the event the Insured Person suffers or experiences an Unexpected recurrence 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 US$5,000 for Eligible Medical Expenses incurred during the Period of Coverage with respect to the Unexpected recurrence of the Pre-existing Condition.

Conditions and Restrictions – To be eligible for the foregoing limited coverage and benefits for an Unexpected recurrence 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 Unexpected recurrence of the Pre-existing Condition:

(1) 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; and

(2) The Insured Person must not be traveling with the intent or purpose to seek or obtain Treatment for the Pre-existing Condition; and

(3) 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; and

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

(5) The Insured Person must be traveling outside their Home Country.

31

Patriot Multi-Trip International
IMG

Pre-Existing Condition Benefits

$5,000 per person Emergency Medical for Unexpected Recurrence

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Full Policy Wording

Q. SUDDEN AND UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION. Subject to the Terms of this insurance, including without limitation the Exclusions set forth in Section T, the Conditions and Restrictions set forth below and the applicable Deductible and Coinsurance and other limits and sub-limits as specified in the Schedule of Benefits/Limits set forth in Section C, above, in the event the Insured Person suffers or experiences an Unexpected recurrence 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 US$5,000 for Eligible Medical Expenses incurred during the Period of Coverage with respect to the Unexpected recurrence of the Pre-existing Condition.

Conditions and Restrictions – To be eligible for the foregoing limited coverage and benefits for an Unexpected recurrence 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 Unexpected recurrence of the Pre-existing Condition:

(1) 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; and

(2) The Insured Person must not be traveling with the intent or purpose to seek or obtain Treatment for the Pre-existing Condition; and

(3) 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; and

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

(5) The Insured Person must be traveling outside their Home Country.

32

Patriot America Plus
IMG

Pre-Existing Condition Benefits

Covered

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Full Policy Wording

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 Condition: A sudden and Unexpected outbreak or recurrence of a Pre-existing Condition which occurs: (1) spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care, (2) after the Effective Date, and (3) prior to the age shown in the BENEFIT SUMMARY. Treatment must be obtained within twenty-four (24) hours of the sudden and Unexpected outbreak or recurrence. 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.

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 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.

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) 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

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

c) 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

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

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

iTravelInsured
iTravelInsured

33

Travel Lite
iTravelInsured

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 60 days

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Full Policy Wording

Pre-Existing Condition Exclusion:

The Company will not pay for any expense as a result of any 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 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 sixty (60) day period before coverage is effective under this Policy.

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;

34

Travel SE
iTravelInsured

Pre-Existing Condition Benefits

Covered if purchased within 20 days of trip deposit

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Full Policy Wording

Pre-Existing Condition Exclusion:

The Company will not pay for any expense as a result of any 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 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 sixty (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 are not disabled from 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 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 sixty (60) day period before coverage is effective under this Policy.

35

Travel LX
iTravelInsured

Pre-Existing Condition Benefits

Covered if policy purchased before the final trip payment

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Full Policy Wording

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

12. 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 sixty (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 sixty (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 24 hours of the final Payment for Your Trip or before the final Payment for Your Trip; and

b) 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 sixty (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 sixty (60) day period before coverage is effective under this Policy.

John Hancock Insurance Agency, Inc.
John Hancock Insurance Agency, Inc.

36

Bronze
John Hancock Insurance Agency, Inc.

Pre-Existing Condition Benefits

Covered if purchased within 14 days of trip deposit

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Full Policy Wording

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.

37

Silver
John Hancock Insurance Agency, Inc.

Pre-Existing Condition Benefits

Covered if purchased within 14 days of trip deposit

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Full Policy Wording

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.

38

Gold
John Hancock Insurance Agency, Inc.

Pre-Existing Condition Benefits

Covered if purchased within 14 days of trip deposit

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Full Policy Wording

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.

MedjetAssist
MedjetAssist

39

Annual Membership
MedjetAssist

Pre-Existing Condition Benefits

Covered

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Full Policy Wording

MedjetAssist medical transport services are not available to a Member for any injury, illness, or condition existing at the time of enrollment where inpatient medical care has already been scheduled or recommended by a health care provider.

A Member traveling outside his or her Home Country for the purpose of seeking medical treatment, whether inpatient or outpatient, experimental or otherwise, is not eligible for MedjetAssist medical transport services for that specific trip.

A Member who is medically discharged from the hospital, or leaves against medical advice and is physically able to travel on their own, is not eligible for MedjetAssist medical transport services for the remainder of the Member’s trip.

A Member with tuberculosis or other chronic airborne pathogens will not be transported.

A Member beyond 12 weeks intrauterine gestation will not be transported and any member with any extrauterine pregnancy will not be transported.

Medical transport services will not be provided in cases where the Member’s primary admitting diagnosis is an inpatient psychiatric disorder.

40

MedjetAssist Extended Stay
MedjetAssist

Pre-Existing Condition Benefits

Covered

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Full Policy Wording

A Member who is medically discharged from the hospital, or leaves against medical advice and is physically able to travel on their own, is not eligible for MedjetAssist medical transport services for the remainder of the Member’s trip.

A Member with tuberculosis or other chronic airborne pathogens will not be transported.

A Member beyond 12 weeks intrauterine gestation will not be transported and any member with any extrauterine pregnancy will not be transported.

Medical transport services will not be provided in cases where the Member’s primary admitting diagnosis is an inpatient psychiatric disorder.

Medical transport services will not be provided to any Member hospitalized as a result of the use or abuse of alcohol or drugs (illicit or prescription), including without limitation, hospitalization for addiction, withdrawal, or complications of alcohol or drug abuse.

A Member who is hospitalized at the time of enrollment will not be eligible for transport services for that hospitalization.

A Member on an organ transplant list prior to enrollment will not be eligible for transport for that transplant.

41

MedjetAssist Short Term Plan
MedjetAssist

Pre-Existing Condition Benefits

Covered

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Full Policy Wording

A Member who is medically discharged from the hospital, or leaves against medical advice and is physically able to travel on their own, is not eligible for MedjetAssist medical transport services for the remainder of the Member’s trip.

A Member with tuberculosis or other chronic airborne pathogens will not be transported.

Medical transport services will not be provided to any Member who has a diagnosis of, or is suspected of having, a Biosafety Class Level 3 (and above) pathogen as classified by either the Centers for Disease Control and Prevention (CDC) or the National Institutes of Health (NIH).

A Member beyond 12 weeks intrauterine gestation will not be transported, and any Member with any extrauterine pregnancy will not be transported.

Medical transport services will not be provided in cases where the Member’s primary admitting diagnosis is an inpatient psychiatric disorder.

Medical transport services will not be provided to any Member hospitalized as a result of the use or abuse of alcohol or drugs (illicit or prescription), including, without limitation, hospitalization for addiction, withdrawal, or complications of alcohol or drug abuse.

A Member who is hospitalized at the time of enrollment will not be eligible for transport services for that hospitalization.

A Member on an organ transplant list prior to enrollment will not be eligible for transport for that transplant.

Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company

42

Essential
Nationwide Mutual Insurance Company

Pre-Existing Condition Benefits

Covered if purchased within 10 days of trip deposit

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Full Policy Wording

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Accidental Death & Dismemberment, Flight Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation, Repatriation of Remains and Collision Damage Waiver:

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains);

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which You, a Traveling Companion, a Family Member booked to travel with You: 1) exhibited symptoms that would have caused one 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.

The Pre-Existing Conditions exclusion is waived if You a) enroll in this Certificate at the time You pay the deposit required for Your Trip (or within ten (10) days of the initial deposit); b) purchase this Certificate for the full cost of Your Trip; and c) are medically able to travel on the Effective Date.

43

Prime
Nationwide Mutual Insurance Company

Pre-Existing Condition Benefits

Covered if purchased within 21 days of trip deposit

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Full Policy Wording

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Itinerary Change, Accidental Death & Dismemberment, Flight Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation, Repatriation of Remains, Trip Cancellation For Any Reason and Collision Damage Waiver:

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains);

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which You, a Traveling Companion, a Family Member booked to travel with You: 1) exhibited symptoms that would have caused one 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.

The Pre-Existing Conditions exclusion is waived if You a) enroll in this Certificate at the time You pay the deposit required for Your Trip (or within 21 days of the initial deposit); b) purchase this Certificate for the full cost of Your Trip; and c) are medically able to travel on the Effective Date.

Seven Corners Inc
Seven Corners Inc

44

RoundTrip Choice
Seven Corners Inc

Pre-Existing Condition Benefits

Covered if purchased within 20 days of trip deposit

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Full Policy Wording

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 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.

45

RoundTrip Economy
Seven Corners Inc

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 60 days

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Full Policy Wording

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 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.

“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.

46

RoundTrip Elite
Seven Corners Inc

Pre-Existing Condition Benefits

Covered if purchased within 20 days of trip deposit

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Full Policy Wording

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 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.

47

Liaison Travel Economy excl US
Seven Corners Inc

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 12 months

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Full Policy Wording

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 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.

Waiver of Pre‐Existing Condition(s).

If You are a United States Resident under age 70, the exclusion set forth in Section 8 (a) is waived for amount set forth in the Schedule of Benefits for eligible medical Expenses incurred outside the United States. The same wavier applies for persons age 70 and over for the amount set forth for them in the Schedule of Benefits. This waiver is subject to Your payment of the Deductible and selected Coinsurance option. This waiver 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.

Acute Onset of a Pre‐Existing Condition(s): Sudden and unexpected outbreak or recurrence of a Pre‐Existing Condition(s) that occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care. The Acute Onset of a Pre‐Existing Condition(s) must occur after the Effective Date of Coverage and prior to the age shown in the Schedule of Benefits. Treatment must be obtained within twenty‐four (24) hours of the sudden and unexpected outbreak or recurrence. A Pre‐Existing Condition that is Congenital or that gradually becomes worse over time is not Acute Onset of a Pre‐Existing Condition. A Pre‐Existing Condition will not be considered an Acute Onset of a Pre‐Existing Condition(s) 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 acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of Coverage.

Acute Onset of Pre‐Existing Condition(s).

If you are a non‐United States Resident under the age of 70, the exclusion set forth in Section 8(a) is waived for 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 in the United States. The same waiver applies for persons age 70 and over for the amount set forth for them in the Schedule of Benefits. These waivers apply subject to Your payment of the Deductible and selected Coinsurance option. This waiver does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to arrival in 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 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 waiver for persons age 70 and over.

48

Liaison Travel Choice excl US
Seven Corners Inc

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 12 months

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Full Policy Wording

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 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.

Acute Onset of Pre-Existing Condition(s).

If you are a non-United States Resident under the age of 70, the exclusion set forth in Section 8(a) is waived for 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 in the United States. The same waiver applies for persons age 70 and over for the amount set forth for them in the Schedule of Benefits. These waivers apply subject to Your payment of the Deductible and selected Coinsurance option. This waiver does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to arrival in 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 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 waiver for persons age 70 and over.

Acute Onset of a Pre-Existing Condition(s): Sudden and unexpected outbreak or recurrence of a Pre-Existing Condition(s) that occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care. The Acute Onset of a Pre-Existing Condition(s) must occur after the Effective Date of Coverage and prior to the age shown in the Schedule of Benefits. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or recurrence. A Pre-Existing Condition that is Congenital or that gradually becomes worse over time is not Acute Onset of a Pre-Existing Condition. A Pre-Existing Condition will not be considered an Acute Onset of a Pre-Existing Condition(s) if, during Liaison® Travel Choice the thirty (30) days prior to the acute event, You had a change in prescription or Treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of Coverage.

49

Liaison Travel Elite excl US
Seven Corners Inc

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 12 months

Start a New Search

Full Policy Wording

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 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.

3.10 Waiver of Pre-Existing Condition(s).

If You are a United States Resident under age 70, the exclusion set forth in Section 8 a) is waived for amount set forth in the Schedule of Benefits for eligible medical Expenses incurred outside the United States. The same wavier applies for persons age 70 and over for the amount set forth for them in the Schedule of Benefits. This waiver is subject to Your payment of the Deductible and selected Coinsurance option. This waiver 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.

Acute Onset of a Pre-Existing Condition(s): Sudden and unexpected outbreak or recurrence of a Pre-Existing Condition(s) that occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care. The Acute Onset of a Pre-Existing Condition(s) must occur after the Effective Date of Coverage and prior to the age shown in the Schedule of Benefits. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or recurrence. A Pre-Existing Condition that is Congenital or that gradually becomes worse over time is not Acute Onset of a Pre-Existing Condition. A Pre-Existing Condition will not be considered an Acute Onset of a Pre-Existing Condition(s) 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 acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of Coverage.

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

If you are a non-United States Resident under the age of 70, the exclusion set forth in Section 8(a) is waived for 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 in the United States. The same waiver applies for persons age 70 and over for the amount set forth for them in the Schedule of Benefits. These waivers apply subject to Your payment of the Deductible and selected Coinsurance option. This waiver does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to arrival in 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 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 waiver for persons age 70 and over.

Tin Leg
Tin Leg

50

Economy
Tin Leg

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 180 days

Start a New Search

Full Policy Wording

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.

51

Standard
Tin Leg

Pre-Existing Condition Benefits

Covered if purchased within 15 days of trip deposit

Start a New Search

Full Policy Wording

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.

52

Luxury
Tin Leg

Pre-Existing Condition Benefits

Covered if purchased within 15 days of trip deposit

Start a New Search

Full Policy Wording

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.

Travel Insured International
Travel Insured International

53

Worldwide Trip Protector Lite
Travel Insured International

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 60 days

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Full Policy Wording

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” 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.

54

Worldwide Trip Protector Plus
Travel Insured International

Pre-Existing Condition Benefits

Covered if purchased within 21 days of trip deposit

Start a New Search

Full Policy Wording

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.

55

Worldwide Trip Protector
Travel Insured International

Pre-Existing Condition Benefits

Covered if purchased within 21 days of trip deposit

Start a New Search

Full Policy Wording

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.

Travelex Insurance Services
Travelex Insurance Services

56

Travel Basic
Travelex Insurance Services

Pre-Existing Condition Benefits

Covered if purchased within 15 days of trip deposit

Start a New Search

Full Policy Wording

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 $10,000 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.

57

Travel Select
Travelex Insurance Services

Pre-Existing Condition Benefits

Covered if purchased within 21 days of trip deposit

Start a New Search

Full Policy Wording

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 21 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 21 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.

TravelSafe
TravelSafe

58

Basic
TravelSafe

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 60 days

Start a New Search

Full Policy Wording

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;

“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.

59

Classic
TravelSafe

Pre-Existing Condition Benefits

Covered if purchased within 21 days of trip deposit

Start a New Search

Full Policy Wording

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 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 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.

60

Classic Plus
TravelSafe

Pre-Existing Condition Benefits

Covered if purchased within 21 days of trip deposit

Start a New Search

Full Policy Wording

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 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 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.

Trawick International
Trawick International

61

Safe Travels USA
Trawick International

Pre-Existing Condition Benefits

$1,000 per person Emergency Medical for Unexpected Recurrence

Start a New Search

Full Policy Wording

UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION BENEFIT

This plan shall pay, up to $1,000 subject to the chosen Deductible and Coinsurance for Covered Expenses resulting from a sudden, unexpected recurrence of a Pre-Existing Condition while traveling outside the Covered Person’s Home Country. 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 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. This specifically includes but is not limited to 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 Certificate. 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.

62

Safe Travels International excl US
Trawick International

Pre-Existing Condition Benefits

$20,000 per person Emergency Medical for Unexpected Recurrence age 64 and under
$10,000 per person Emergency Medical Unexpected Recurrence age 65 and over

Start a New Search

Full Policy Wording

UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION BENEFIT

This plan shall pay, up to $20,000 for those up to age 65 and $10,000 for those age 65 and over subject to the chosen Deductible and Coinsurance for Covered Expenses resulting from a sudden, Unexpected Recurrence of a Pre-Existing Condition while traveling outside the Covered Person’s Home Country. 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 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. This specifically includes but is not limited to 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 Certificate. 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.

63

Safe Travels International Cost Saver excl US
Trawick International

Pre-Existing Condition Benefits

$20,000 per person Emergency Medical for Unexpected Recurrence age 64 and under
$10,000 per person Emergency Medical Unexpected Recurrence age 65 and over

Start a New Search

Full Policy Wording

UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION BENEFIT

This plan shall pay, up to $20,000 for those up to age 65 and $10,000 for those age 65 and over subject to the chosen Deductible and Coinsurance for Covered Expenses resulting from a sudden, unexpected recurrence of a Pre-Existing Condition while traveling outside the Covered Person’s Home Country. 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 DEFINITION

“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 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. This specifically includes but is not limited to 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 Certificate. 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.

64

Safe Travels 3 In 1
Trawick International

Pre-Existing Condition Benefits

Covered if purchased within 14 days of trip deposit

Start a New Search

Full Policy Wording

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Accidental Death & Dismemberment and Missed Connection:

Loss caused by or resulting from:

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

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which You, a Traveling Companion, a Family Member booked to travel with You: 1) exhibited symptoms that would have caused one 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.

The Pre-Existing Conditions exclusion is waived if You a) enroll in this Certificate at the time You pay the deposit required for Your Trip (or within fourteen (14) days of the initial Trip deposit); b) purchase this Certificate for the full cost of Your Trip; and c) are medically able to travel on the Effective Date.

65

Safe Travels Single Trip
Trawick International

Pre-Existing Condition Benefits

Covered if purchased within 10 days of trip deposit

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Full Policy Wording

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier, Flight Only Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation, Repatriation of Remains and Collision Damage Waiver:

Loss caused by or resulting from:

Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains);

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which You, a Traveling Companion, a Family Member booked to travel with You: 1) exhibited symptoms that would have caused one 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.

The Pre-Existing Conditions exclusion is waived if You a) enroll in this Certificate at the time You pay the deposit required for Your Trip (or within ten (10) days of the initial deposit); b) purchase this Certificate for the full cost of Your Trip; and c) are medically able to travel on the Effective Date.

66

Safe Travels First Class
Trawick International

Pre-Existing Condition Benefits

Covered if purchased within 14 days of trip deposit

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Full Policy Wording

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier, Flight Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation, Repatriation of Remains and Collision Damage Waiver:

Loss caused by or resulting from:

Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains);

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which You, a Traveling Companion, a Family Member booked to travel with You: 1) exhibited symptoms that would have caused one 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.

The Pre-Existing Conditions exclusion is waived if You a) enroll in this Certificate at the time You pay the deposit required for Your Trip (or within fourteen (14) days of the initial deposit); b) purchase this Certificate for the full cost of Your Trip; and c) are medically able to travel on the Effective Date.

USA-Assist Worldwide Protection
USA-Assist Worldwide Protection

67

Global Travel Medical Diamond
USA-Assist Worldwide Protection

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 36 months

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Full Policy Wording

Pre-existing Conditions which are excluded under this policy. This means that any claims for Pre-existing Conditions will not be covered for the duration of this policy. This exclusion does not apply to Emergency Evacuation/Repatriation or Return of Mortal Remains. Note: If You are a U.S. or Canadian citizen this exclusion is waived up to the maximum stated in the Schedule of Benefits for Eligible Medical Expenses incurred while traveling outside the United States, if resulting from a sudden, unexpected recurrence of a Pre-existing Condition. 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 and is subject to the chosen Deductible and Coinsurance. Any exclusion specifically listed below in 2 through 43 will not receive benefits from this waiver.


Pre-existing Condition benefit): 1) a condition that would have caused a person to seek medical advice, diagnosis, care or Treatment during the thirty-six (36)* months prior to the Effective Date of coverage under this policy; 2) a condition for which medical advice, diagnosis, care or Treatment was recommended or received during the thirty-six (36)* months prior to the Effective Date of coverage under this policy. *For U.S. and Canadian citizens traveling outside the United States, the Pre-existing Condition period is twelve (12) months instead of thirty-six (36) months. Reasonable and Customary shall mean the maximum amount that the plan determines is Reasonable and Customary for Covered Expenses You receive, up to but not to exceed charges actually billed. The determination considers:1) Amounts charged by other Service Providers for the same or similar service in the locality where received, considering the nature and severity of the bodily Injury or Illness in connection with which such services and supplies are received; 2) Any usual medical circumstances requiring additional time, skill or experience; and 3) Other factors included but not limited to, a resource based relative value scale

68

Global Travel Medical Executive
USA-Assist Worldwide Protection

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 36 months

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Full Policy Wording

Pre-existing Conditions which are excluded under this policy. This means that any claims for Pre-existing Conditions will not be covered for the duration of this policy. This exclusion does not apply to Emergency Evacuation/Repatriation or Return of Mortal Remains. Note: If You are a U.S. or Canadian citizen this exclusion is waived up to the maximum stated in the Schedule of Benefits for Eligible Medical Expenses incurred while traveling outside the United States, if resulting from a sudden, unexpected recurrence of a Pre-existing Condition. 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 and is subject to the chosen Deductible and Coinsurance. Any exclusion specifically listed below in 2 through 43 will not receive benefits from this waiver.


Pre-existing Condition benefit): 1) a condition that would have caused a person to seek medical advice, diagnosis, care or Treatment during the thirty-six (36)* months prior to the Effective Date of coverage under this policy; 2) a condition for which medical advice, diagnosis, care or Treatment was recommended or received during the thirty-six (36)* months prior to the Effective Date of coverage under this policy. *For U.S. and Canadian citizens traveling outside the United States, the Pre-existing Condition period is twelve (12) months instead of thirty-six (36) months. Reasonable and Customary shall mean the maximum amount that the plan determines is Reasonable and Customary for Covered Expenses You receive, up to but not to exceed charges actually billed. The determination considers:1) Amounts charged by other Service Providers for the same or similar service in the locality where received, considering the nature and severity of the bodily Injury or Illness in connection with which such services and supplies are received; 2) Any usual medical circumstances requiring additional time, skill or experience; and 3) Other factors included but not limited to, a resource based relative value scale

69

Global Travel Medical Gold
USA-Assist Worldwide Protection

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 36 months

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Full Policy Wording

Pre-existing Conditions which are excluded under this policy. This means that any claims for Pre-existing Conditions will not be covered for the duration of this policy. This exclusion does not apply to Emergency Evacuation/Repatriation or Return of Mortal Remains. Note: If You are a U.S. or Canadian citizen this exclusion is waived up to the maximum stated in the Schedule of Benefits for Eligible Medical Expenses incurred while traveling outside the United States, if resulting from a sudden, unexpected recurrence of a Pre-existing Condition. 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 and is subject to the chosen Deductible and Coinsurance. Any exclusion specifically listed below in 2 through 43 will not receive benefits from this waiver.


Pre-existing Condition benefit): 1) a condition that would have caused a person to seek medical advice, diagnosis, care or Treatment during the thirty-six (36)* months prior to the Effective Date of coverage under this policy; 2) a condition for which medical advice, diagnosis, care or Treatment was recommended or received during the thirty-six (36)* months prior to the Effective Date of coverage under this policy. *For U.S. and Canadian citizens traveling outside the United States, the Pre-existing Condition period is twelve (12) months instead of thirty-six (36) months. Reasonable and Customary shall mean the maximum amount that the plan determines is Reasonable and Customary for Covered Expenses You receive, up to but not to exceed charges actually billed. The determination considers:1) Amounts charged by other Service Providers for the same or similar service in the locality where received, considering the nature and severity of the bodily Injury or Illness in connection with which such services and supplies are received; 2) Any usual medical circumstances requiring additional time, skill or experience; and 3) Other factors included but not limited to, a resource based relative value scale

70

Global Travel Medical Platinum
USA-Assist Worldwide Protection

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 36 months

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Full Policy Wording

Pre-existing Conditions which are excluded under this policy. This means that any claims for Pre-existing Conditions will not be covered for the duration of this policy. This exclusion does not apply to Emergency Evacuation/Repatriation or Return of Mortal Remains. Note: If You are a U.S. or Canadian citizen this exclusion is waived up to the maximum stated in the Schedule of Benefits for Eligible Medical Expenses incurred while traveling outside the United States, if resulting from a sudden, unexpected recurrence of a Pre-existing Condition. 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 and is subject to the chosen Deductible and Coinsurance. Any exclusion specifically listed below in 2 through 43 will not receive benefits from this waiver.


Pre-existing Condition benefit): 1) a condition that would have caused a person to seek medical advice, diagnosis, care or Treatment during the thirty-six (36)* months prior to the Effective Date of coverage under this policy; 2) a condition for which medical advice, diagnosis, care or Treatment was recommended or received during the thirty-six (36)* months prior to the Effective Date of coverage under this policy. *For U.S. and Canadian citizens traveling outside the United States, the Pre-existing Condition period is twelve (12) months instead of thirty-six (36) months. Reasonable and Customary shall mean the maximum amount that the plan determines is Reasonable and Customary for Covered Expenses You receive, up to but not to exceed charges actually billed. The determination considers:1) Amounts charged by other Service Providers for the same or similar service in the locality where received, considering the nature and severity of the bodily Injury or Illness in connection with which such services and supplies are received; 2) Any usual medical circumstances requiring additional time, skill or experience; and 3) Other factors included but not limited to, a resource based relative value scale

71

Global Travel Medical Standard
USA-Assist Worldwide Protection

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 3 years

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Full Policy Wording

Pre-existing Conditions which are excluded under this policy. This means that any claims for Pre-existing Conditions will not be covered for the duration of this policy. This exclusion does not apply to Emergency Evacuation/Repatriation or Return of Mortal Remains. Note: If You are a U.S. or Canadian citizen this exclusion is waived up to the maximum stated in the Schedule of Benefits for Eligible Medical Expenses incurred while traveling outside the United States, if resulting from a sudden, unexpected recurrence of a Pre-existing Condition. 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 and is subject to the chosen Deductible and Coinsurance. Any exclusion specifically listed below in 2 through 43 will not receive benefits from this waiver.


Pre-existing Condition benefit): 1) a condition that would have caused a person to seek medical advice, diagnosis, care or Treatment during the thirty-six (36)* months prior to the Effective Date of coverage under this policy; 2) a condition for which medical advice, diagnosis, care or Treatment was recommended or received during the thirty-six (36)* months prior to the Effective Date of coverage under this policy. *For U.S. and Canadian citizens traveling outside the United States, the Pre-existing Condition period is twelve (12) months instead of thirty-six (36) months. Reasonable and Customary shall mean the maximum amount that the plan determines is Reasonable and Customary for Covered Expenses You receive, up to but not to exceed charges actually billed. The determination considers:1) Amounts charged by other Service Providers for the same or similar service in the locality where received, considering the nature and severity of the bodily Injury or Illness in connection with which such services and supplies are received; 2) Any usual medical circumstances requiring additional time, skill or experience; and 3) Other factors included but not limited to, a resource based relative value scale

72

Global Travel Medical Titanium
USA-Assist Worldwide Protection

Pre-Existing Condition Benefits

No coverage

Start a New Search

Full Policy Wording

Pre-existing Conditions which are excluded under this policy. This means that any claims for Pre-existing Conditions will not be covered for the duration of this policy. This exclusion does not apply to Emergency Evacuation/Repatriation or Return of Mortal Remains. Note: If You are a U.S. or Canadian citizen this exclusion is waived up to the maximum stated in the Schedule of Benefits for Eligible Medical Expenses incurred while traveling outside the United States, if resulting from a sudden, unexpected recurrence of a Pre-existing Condition. 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 and is subject to the chosen Deductible and Coinsurance. Any exclusion specifically listed below in 2 through 43 will not receive benefits from this waiver.


Pre-existing Condition benefit): 1) a condition that would have caused a person to seek medical advice, diagnosis, care or Treatment during the thirty-six (36)* months prior to the Effective Date of coverage under this policy; 2) a condition for which medical advice, diagnosis, care or Treatment was recommended or received during the thirty-six (36)* months prior to the Effective Date of coverage under this policy. *For U.S. and Canadian citizens traveling outside the United States, the Pre-existing Condition period is twelve (12) months instead of thirty-six (36) months. Reasonable and Customary shall mean the maximum amount that the plan determines is Reasonable and Customary for Covered Expenses You receive, up to but not to exceed charges actually billed. The determination considers:1) Amounts charged by other Service Providers for the same or similar service in the locality where received, considering the nature and severity of the bodily Injury or Illness in connection with which such services and supplies are received; 2) Any usual medical circumstances requiring additional time, skill or experience; and 3) Other factors included but not limited to, a resource based relative value scale

73

GlobalTrip Classic
USA-Assist Worldwide Protection

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 180 days age 69 and under
Pre-existing look-back period 1 year age 70 and over

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Full Policy Wording

Benefits are not payable for Sickness, Injuries or losses of You or Your Traveling Companion:

1. Due to or related to a Pre-Existing Condition and/or arising complications of a Pre- Existing Condition. (Pre-existing Condition limitation is automatically waived for emergency Medical Evacuation / Repatriation benefits);

Pre-existing Condition means any Injury, Sickness, condition or related condition (including any condition from which death ensues) of You, or Your Traveling Companion, Your or Your Traveling Companion’s Family Member or Your Business Partner which within the 6 month period (for Age 70+ 12 month period) prior to the Effective Date of Your Protection Plan: a) manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment, whether such diagnosis care or treatment were seek or not; or b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or c) required medical treatment or treatment was recommended by a Legally Qualified Physician.

74

GlobalTrip Saver
USA-Assist Worldwide Protection

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 180 days age 69 and under
Pre-existing look-back period 1 year age 70 and over

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Full Policy Wording

Benefits are not payable for Sickness, Injuries or losses of You or Your Traveling Companion:

1. Due to or related to a Pre-Existing Condition and/or arising complications of a Pre- Existing Condition. (Pre-existing Condition limitation is automatically waived for emergency Medical Evacuation / Repatriation benefits);

Pre-existing Condition means any Injury, Sickness, condition or related condition (including any condition from which death ensues) of You, or Your Traveling Companion, Your or Your Traveling Companion’s Family Member or Your Business Partner which within the 6 month period (for Age 70+ 12 month period) prior to the Effective Date of Your Protection Plan: a) manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment, whether such diagnosis care or treatment were seek or not; or b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or c) required medical treatment or treatment was recommended by a Legally Qualified Physician.

75

GlobalTrip Plus
USA-Assist Worldwide Protection

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 180 days age 69 and under
Pre-existing look-back period 1 year age 70 and over

Start a New Search

Full Policy Wording

Benefits are not payable for Sickness, Injuries or losses of You or Your Traveling Companion:

1. Due to or related to a Pre-Existing Condition and/or arising complications of a Pre- Existing Condition. (Pre-existing Condition limitation is automatically waived for emergency Medical Evacuation / Repatriation benefits);

Pre-existing Condition means any Injury, Sickness, condition or related condition (including any condition from which death ensues) of You, or Your Traveling Companion, Your or Your Traveling Companion’s Family Member or Your Business Partner which within the 6 month period (for Age 70+ 12 month period) prior to the Effective Date of Your Protection Plan: a) manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment, whether such diagnosis care or treatment were seek or not; or b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or c) required medical treatment or treatment was recommended by a Legally Qualified Physician.

76

GlobalTrip High Medical
USA-Assist Worldwide Protection

Pre-Existing Condition Benefits

No coverage
Pre-existing look-back period 180 days age 69 and under
Pre-existing look-back period 1 year age 70 and over

Start a New Search

Full Policy Wording

Benefits are not payable for Sickness, Injuries or losses of You or Your Traveling Companion:

1. Due to or related to a Pre-Existing Condition and/or arising complications of a Pre- Existing Condition. (Pre-existing Condition limitation is automatically waived for emergency Medical Evacuation / Repatriation benefits);

Pre-existing Condition means any Injury, Sickness, condition or related condition (including any condition from which death ensues) of You, or Your Traveling Companion, Your or Your Traveling Companion’s Family Member or Your Business Partner which within the 6 month period (for Age 70+ 12 month period) prior to the Effective Date of Your Protection Plan: a) manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment, whether such diagnosis care or treatment were seek or not; or b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or c) required medical treatment or treatment was recommended by a Legally Qualified Physician.