What is Pre-Existing Condition?

Pre-Existing Condition

The table below shows you at a glance which company provides the most comprehensive coverage for the Pre-Existing Condition element within your policy.

If you see a plan listed more than once, this means the plan offers different coverage for the residents of the states listed next to the plan name. Click the coverages listed below the table or the further research button to view more coverage tables. Remember, you are only a few quick questions away from an instant quote from all the major travel insurance providers.

Coverage Description

A pre-existing condition is an illness or medical condition that existed before a policy’s effective date, usually excluded from coverage. Travel Protection plans may include coverage provided you meet the condition of that insurance provider. Many providers offer coverage if the policy is purchased within a certain number of days after the initial trip deposit was made. A few providers offer coverage if the policy is purchased before the final payment date. Please refer to the policy summary to determine any conditions for coverage. Some Medical Plans may provide limited coverage; some may cover pre-existing conditions after a specified waiting period, while others do not provide any coverage.

View full coverage summary for Pre-Existing Condition for the policies below

# Provider / Plan Name Benefit
1 Air Ambulance Card
Air Ambulance Card - Standard Annual
Covered Quote

Full Policy Wording

Air Ambulance Card Has No Pre-existing Condition Exclusion.

2 Air Ambulance Card
Air Ambulance Card - Extended Stay 6 Months
Covered Quote

Full Policy Wording

Air Ambulance Card Has No Pre-existing Condition Exclusion.

3 Air Ambulance Card
Air Ambulance Card - Extended Stay 12 Months
Covered Quote

Full Policy Wording

Air Ambulance Card Has No Pre-existing Condition Exclusion.

4 APRIL Travel Protection
Economy Plan
Covered if purchased within 14 days of trip deposit Quote

Full Policy Wording

SECTION VI- GENERAL LIMITATIONS AND EXCLUSIONS

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 from travel 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 90 day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the Sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.

5 APRIL Travel Protection
VIP Plan
Covered if purchased within 14 days of trip deposit Quote

Full Policy Wording

SECTION VI – GENERAL LIMITATIONS AND EXCLUSIONS

The following exclusions apply to Trip Cancellation (and if applicable, Trip Cancellation for Any Reason), Trip Interruption, Missed Connection, Trip Delay, Airline Ticket Change Fee, Itinerary Change, Missed Connection, Trip Inconvenience, Accidental Death and Dismemberment, Accidental Death and Dismemberment – Common Carrier, Emergency Accident and Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation, Emergency Non-Medical Evacuation due to Catastrophe and Repatriation of Remains.

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 from travel 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 90 day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the Sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.

6 APRIL Travel Protection
Trip Cancellation Plan
Covered if purchased within 14 days of trip deposit Quote

Full Policy Wording

Section Vi – General Limitations and Exclusions

The following exclusions apply to Trip Cancellation, and Trip Cancellation for Any Reason, if applicable.

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 from travel 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 90 day period ending on the Effective date. Sicknesses or conditions are not considered pre-existing if the Sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.

7 APRIL Travel Protection
Multi-Trip Plan Universal
No coverage Pre-existing look-back period 90 days Quote

Full Policy Wording

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

Loss caused by or resulting from:

1. Pre-Existing Conditions;

“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 90 day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the Sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.

8 APRIL Travel Protection
Multi-Trip Plan Elite
No coverage Pre-existing look-back period 90 days Quote

Full Policy Wording

The following exclusions apply to Trip Interruption, Missed Connection, Trip Delay, Airline Ticket Change Fee, Itinerary Change, Missed Connection, Trip Inconvenience, Accidental Death and Dismemberment, Emergency Accident and Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation, and Repatriation of Remains. Loss caused by or resulting from:

1. Pre-Existing Conditions;

“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 90 day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the Sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.

9 APRIL Travel Protection
Choice
Covered if purchased within 14 days of trip deposit Quote

Full Policy Wording

The following exclusions apply to Trip Cancellation (and if applicable Trip Cancellation for Any Reason, or Trip Cancellation for Work Reasons), Trip Interruption, Single Occupancy, Missed Connection, Trip Delay, Accident or Sickness Medical Expense, Accidental Death and Dismemberment, Emergency Medical Evacuation, Repatriation of Remains, Baggage Delay / Baggage Delivery, Baggage / Personal Effects, Baggage / Personal Effects – Business Equipment, Baggage / Personal Effects – Sports Equipment, and Renters Collision Insurance.

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 from travel 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.

10 AXA Assistance USA
Silver
Optional coverage Quote

Full Policy Wording

SECTION VI. GENERAL LIMITATIONS AND EXCLUSIONS

The following exclusions apply to Trip Cancellation (and if applicable, Trip Cancellation for Work Reasons), Trip Interruption, Single Occupancy, Trip Delay, Missed Connection, Accident and Sickness Medical Expense, Accidental Death and Dismemberment, Accidental Death and Dismemberment – Common Carrier (Air Only), Emergency Medical Evacuation, Repatriation of Remains, Baggage Delay / Baggage Delivery, Baggage / Personal Effects, and Renters Collision Insurance.

Loss caused by or resulting from:

1. Pre-Existing Conditions; This exclusion waiver is Optional and must be shown on Your Confirmation of Benefits as Pre-Existing Conditions Exclusion Waiver: 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 from travel 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.

11 AXA Assistance USA
Gold
Optional coverage Quote

Full Policy Wording

The following exclusions apply to Trip Cancellation (and if applicable, Trip Cancellation for Work Reasons), Trip Interruption, Single Occupancy, Trip Delay, Trip Delay – Childcare Delay, Trip Delay – Pet Boarding Fees, Airline Ticket Change Fee, Missed Connection, Lost Golf Rounds or Lost Skier Days, Accident and Sickness Medical Expense, Accidental Death and Dismemberment, Accidental Death and Dismemberment – Common Carrier (Air Only), Emergency Medical Evacuation, Repatriation of Remains, Non-Medical Emergency Evacuation due to Catastrophe, Baggage Delay / Baggage Delivery, Baggage / Personal Effects, and Renters Collision Insurance.

Loss caused by or resulting from:

1. Pre-Existing Conditions; This exclusion waiver is Optional and must be shown on Your Confirmation of Benefits as Pre-Existing Conditions Exclusion Waiver: 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 from travel at the time You pay the premium;

12 AXA Assistance USA
Platinum
Covered if purchased within 14 days of trip deposit Quote

Full Policy Wording

“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.

Loss caused by or resulting from the following are excluded:

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 from travel at the time You pay the premium.

13 Azimuth Risk Solutions, LLC
Beacon America incl US
No coverage Quote

Full Policy Wording

There is no Pre-Existing Condition coverage with this plan

14 Azimuth Risk Solutions, LLC
Beacon International excl US
No coverage Quote

Full Policy Wording

There is no Pre-Existing Condition coverage with this plan

15 CSA Travel Protection
Custom
No coverage Pre-existing look-back period 180 days Quote

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.

16 GeoBlue
Voyager Choice
Covered if enrolled in a Primary Health Insurance Plan Quote

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.

Preexisting 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 180 days prior to the Coverage Date for the insured.

17 GeoBlue
Voyager Essential
No coverage Pre-existing look-back period 180 days Quote

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 an Insured Person, if those services are related to a Pre-existing Condition as defined in the Definitions section. This limitation does not apply to the Medical Evacuation Benefit, the Repatriation of Remains Benefit and to the Bedside Visit Benefit.

Preexisting 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 180 days prior to the Coverage Date for the insured.

18 GeoBlue
Trekker Choice excl US
Covered Quote

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.

19 GeoBlue
Trekker Essential excl US
Covered Quote

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.

20 HCC Medical Insurance Services
Atlas International excl US
$50,000 per person Emergency Medical for Unexpected Recurrence $25,000 per person Medical Evacuation for Unexpected Recurrence Quote

Full Policy Wording

Charges for the following conditions, Treatments (including diagnoses, tests, and examinations), services, supplies, acts, omissions, and/or events are excluded from coverage hereunder:

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

Pre-existing Condition: Any (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 2 years immediately preceding the Certificate Effective Date; (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 2 years immediately preceding the Certificate Effective Date; (3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the Certificate Effective Date. For the purposes of the Complications of Pregnancy coverage offered hereunder, Pregnancy will not be included within the definition of a Pre- existing Condition.

Acute Onset of Pre-existing Condition: The term “Acute Onset of a Pre-Existing Condition(s)” shall mean a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. 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.

21 HCC Medical Insurance Services
Atlas America incl US
$50,000 per person Emergency Medical for Unexpected Recurrence $25,000 per person Medical Evacuation for Unexpected Recurrence Quote

Full Policy Wording

Charges for the following conditions, Treatments (including diagnoses, tests, and examinations), services, supplies, acts, omissions, and/or events are excluded from coverage hereunder:

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

Pre-existing Condition: Any (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 2 years immediately preceding the Certificate Effective Date; (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 2 years immediately preceding the Certificate Effective Date; (3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the Certificate Effective Date. For the purposes of the Complications of Pregnancy coverage offered hereunder, Pregnancy will not be included within the definition of a Pre- existing Condition.

Acute Onset of Pre-existing Condition: The term “Acute Onset of a Pre-Existing Condition(s)” shall mean a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. 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.

22 HCC Medical Insurance Services
Atlas MultiTrip incl US
Covered if enrolled in a Primary Health Insurance Plan Quote

Full Policy Wording

Charges for the following conditions, Treatments (including diagnoses, tests, and examinations), services, supplies, acts, omissions, and/or events are excluded from coverage hereunder:

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

Pre-existing Condition: Any (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 2 years immediately preceding the Certificate Effective Date; (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 2 years immediately preceding the Certificate Effective Date; (3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the Certificate Effective Date. For the purposes of the Complications of Pregnancy coverage offered hereunder, Pregnancy will not be included within the definition of a Pre- existing Condition.

Acute Onset of Pre-existing Condition: The term “Acute Onset of a Pre-Existing Condition(s)” shall mean a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. 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.

23 HCC Medical Insurance Services
Atlas MultiTrip excl US
Covered if enrolled in a Primary Health Insurance Plan Quote

Full Policy Wording

Charges for the following conditions, Treatments (including diagnoses, tests, and examinations), services, supplies, acts, omissions, and/or events are excluded from coverage hereunder:

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

Pre-existing Condition: Any (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 2 years immediately preceding the Certificate Effective Date; (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 2 years immediately preceding the Certificate Effective Date; (3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the Certificate Effective Date. For the purposes of the Complications of Pregnancy coverage offered hereunder, Pregnancy will not be included within the definition of a Pre- existing Condition.

Acute Onset of Pre-existing Condition: The term “Acute Onset of a Pre-Existing Condition(s)” shall mean a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. 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.

24 HTH Travel Insurance
TravelGap Voyager excl US
No coverage Pre-existing look-back period 180 days Quote

Full Policy Wording

Pre-Existing Condition means an illness, disease, or other condition during the six (6) month period immediately prior to the Effective Date for which 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 six (6) month period before the Effective Date.

25 HTH Travel Insurance
TravelGap Multi-Trip Silver excl US
Covered if enrolled in a Primary Health Insurance Plan Quote

Full Policy Wording

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

26 HTH Travel Insurance
TravelGap Multi-Trip Gold excl US
Covered if enrolled in a Primary Health Insurance Plan Quote

Full Policy Wording

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

27 HTH Travel Insurance
TravelGap Excursion excl US
Covered if enrolled in a Primary Health Insurance Plan Quote

Full Policy Wording

There is no Pre-Existing Condition coverage with this plan

28 InsureandGo USA
Silver
Covered if purchased within 14 days of trip deposit Quote

Full Policy Wording

The following exclusions apply to the following coverages when such coverage is a part of Your Policy:

Trip Cancellation, & Trip Interruption, Trip Delay, Missed Connection, Emergency Accident & Sickness Medical Expense, Emergency Accident Dental Expense, Emergency Evacuation & Repatriation of Remains, Accidental Death & Dismemberment and Optional Flight Accidental Death & Dismemberment:
Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation, Trip Delay, Baggage and Personal Effects, Lost Baggage, and Repatriation of Remains;

Pre-Existing Condition means any injury, Sickness or condition of You, or Your Traveling Companion for which within the sixty (60) day period prior to the Effective Date of the Policy (a) first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; (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 Physician.

The Pre-Existing Conditions exclusion is waived if You enroll in the Plan at the time You pay the deposit required for the Covered Trip (or within fourteen (14) days of the initial deposit), and You purchase the coverage under the Plan for the full cost of the Covered Trip.

29 InsureandGo USA
Gold
Covered if purchased within 14 days of trip deposit Quote

Full Policy Wording

The following exclusions apply to the following coverages when such coverage is a part of Your Policy:

Trip Cancellation, & Trip Interruption, Trip Delay, Missed Connection, Emergency Accident & Sickness Medical Expense, Emergency Accident Dental Expense, Emergency Evacuation & Repatriation of Remains, Accidental Death & Dismemberment and Optional Flight Accidental Death & Dismemberment:
Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation, Trip Delay, Baggage and Personal Effects, Lost Baggage, and Repatriation of Remains;

Pre-Existing Condition means any injury, Sickness or condition of You, or Your Traveling Companion for which within the sixty (60) day period prior to the Effective Date of the Policy (a) first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; (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 Physician.

The Pre-Existing Conditions exclusion is waived if You enroll in the Plan at the time You pay the deposit required for the Covered Trip (or within fourteen (14) days of the initial deposit) and You purchase the coverage under the Plan for the full cost of the Covered Trip.

30 InsureandGo USA
Platinum
Covered if purchased within 14 days of trip deposit Quote

Full Policy Wording

The following exclusions apply to the following coverages when such coverage is a part of Your Policy:

Trip Cancellation, & Trip Interruption, Trip Delay, Missed Connection, Emergency Accident & Sickness Medical Expense, Emergency Accident Dental Expense, Emergency Evacuation & Repatriation of Remains, Accidental Death & Dismemberment and Optional Flight Accidental Death & Dismemberment:
Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation, Trip Delay, Baggage and Personal Effects, Lost Baggage, and Repatriation of Remains;

Pre-Existing Condition means any injury, Sickness or condition of You, or Your Traveling Companion for which within the sixty (60) day period prior to the Effective Date of the Policy (a) first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; (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 Physician.

The Pre-Existing Conditions exclusion is waived if You enroll in the Plan at the time You pay the deposit required for the Covered Trip (or within fourteen (14) days of the initial deposit) and You purchase the coverage under the Plan for the full cost of the Covered Trip.

31 InsureandGo USA
Global Silver excl US
Covered if purchased within 14 days of trip deposit Quote

Full Policy Wording

The following exclusions apply to the following coverages when such coverage is a part of Your Policy:

Trip Cancellation, & Trip Interruption, Trip Delay, Missed Connection, Emergency Accident & Sickness Medical Expense, Emergency Accident Dental Expense, Emergency Evacuation & Repatriation of Remains, Accidental Death & Dismemberment and Optional Flight Accidental Death & Dismemberment:
Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation, Trip Delay, Baggage and Personal Effects, Lost Baggage, and Repatriation of Remains;

Pre-Existing Condition means any injury, Sickness or condition of You, or Your Traveling Companion for which within the sixty (60) day period prior to the Effective Date of the Policy (a) first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; (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 Physician.

The Pre-Existing Conditions exclusion is waived if You enroll in the Plan at the time You pay the deposit required for the Covered Trip (or within fourteen (14) days of the initial deposit) and You purchase the coverage under the Plan for the full cost of the Covered Trip.

32 InsureandGo USA
Global Gold excl US
Covered if purchased within 14 days of trip deposit Quote

Full Policy Wording

The following exclusions apply to the following coverages when such coverage is a part of Your Policy:

Trip Cancellation, & Trip Interruption, Trip Delay, Missed Connection, Emergency Accident & Sickness Medical Expense, Emergency Accident Dental Expense, Emergency Evacuation & Repatriation of Remains, Accidental Death & Dismemberment and Optional Flight Accidental Death & Dismemberment:
Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation, Trip Delay, Baggage and Personal Effects, Lost Baggage, and Repatriation of Remains;

Pre-Existing Condition means any injury, Sickness or condition of You, or Your Traveling Companion for which within the sixty (60) day period prior to the Effective Date of the Policy (a) first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; (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 Physician.

The Pre-Existing Conditions exclusion is waived if You enroll in the Plan at the time You pay the deposit required for the Covered Trip (or within fourteen (14) days of the initial deposit) and You purchase the coverage under the Plan for the full cost of the Covered Trip.

33 InsureandGo USA
Global Platinum excl US
Covered if purchased within 14 days of trip deposit Quote

Full Policy Wording

The following exclusions apply to the following coverages when such coverage is a part of Your Policy:

Trip Cancellation, & Trip Interruption, Trip Delay, Missed Connection, Emergency Accident & Sickness Medical Expense, Emergency Accident Dental Expense, Emergency Evacuation & Repatriation of Remains, Accidental Death & Dismemberment and Optional Flight Accidental Death & Dismemberment:
Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation, Trip Delay, Baggage and Personal Effects, Lost Baggage, and Repatriation of Remains;

Pre-Existing Condition means any injury, Sickness or condition of You, or Your Traveling Companion for which within the sixty (60) day period prior to the Effective Date of the Policy (a) first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; (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 Physician.

The Pre-Existing Conditions exclusion is waived if You enroll in the Plan at the time You pay the deposit required for the Covered Trip (or within fourteen (14) days of the initial deposit) and You purchase the coverage under the Plan for the full cost of the Covered Trip.

34 John Hancock Insurance Agency, Inc.
Bronze
No coverage Pre-existing look-back period 60 days Quote

Full Policy Wording

The following exclusions apply to Trip Cancellation, Trip Interruption, Single Occupancy, Missed Connection, Trip Delay, Accident or Sickness Medical Expense, Accidental Death and Dismemberment – Common Carrier (Air Only, if applicable), Emergency Medical Evacuation, Repatriation of Remains, Baggage Delay, Baggage / Personal Effects, and Renters Collision Insurance (if applicable).

Loss caused by or resulting from:

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

“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.

35 John Hancock Insurance Agency, Inc.
Gold
Covered if purchased within 14 days of trip deposit Quote

Full Policy Wording

The following exclusions apply to Trip Cancellation, Trip Interruption, Single Occupancy, Itinerary Change, Missed Connection, Trip Delay, Accident or Sickness Medical Expense, Accidental Death and Dismemberment, Accidental Death and Dismemberment – Common Carrier, Accidental Death and Dismemberment – Common Carrier (Air Only, if applicable), Emergency Medical Evacuation, Repatriation of Remains, Baggage Delay, Baggage / Personal Effects, and Renters Collision Insurance (if applicable).

Loss caused by or resulting from:

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

36 MedjetAssist
Annual Membership
Covered Quote

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.

37 MedjetAssist
MedjetAssist Extended Stay
Covered Quote

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.

38 MedjetAssist
MedjetAssist Short Term Plan
Covered Quote

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.

39 MH Ross Travel Insurance Services
Asset Plus
Covered if purchased within 15 days of trip deposit Quote

Full Policy Wording

This policy does not cover Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the General Definitions section (except Emergency Evacuation and Repatriation of Remains) unless: a) the policy is purchased within 15 days of the initial deposit for Your Covered Trip; 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 from travel at the time You pay the premium;

“Pre-Existing Condition” means any injury, sickness or condition of You, a Traveling Companion, or Your or Your Traveling Companion’s 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.

40 MH Ross Travel Insurance Services
Bridge
Covered if purchased within 15 days of trip deposit Quote

Full Policy Wording

This policy does not cover Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the General Definitions section (except Emergency Evacuation and Repatriation of Remains) unless: a) the policy is purchased within 15 days of the initial deposit for Your Covered Trip; 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 from travel at the time You pay the premium;

“Pre-Existing Condition” means any injury, sickness or condition of You, a Traveling Companion, or Your or Your Traveling Companion’s 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.

41 MH Ross Travel Insurance Services
Complete
Covered if purchased within 15 days of trip deposit Quote

Full Policy Wording

This policy does not cover Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the General Definitions section (except Emergency Evacuation and Repatriation of Remains) unless: a) the policy is purchased within 15 days of the initial deposit for Your Covered Trip; 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 from travel at the time You pay the premium;

“Pre-Existing Condition” means any injury, sickness or condition of You, a Traveling Companion, or Your or Your Traveling Companion’s 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.

42 MH Ross Travel Insurance Services
Asset
Covered if purchased within 15 days of trip deposit Quote

Full Policy Wording

This policy does not cover Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the General Definitions section (except Emergency Evacuation and Repatriation of Remains) unless: a) the policy is purchased within 15 days of the initial deposit for Your Covered Trip; 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 from travel at the time You pay the premium;

“Pre-Existing Condition” means any injury, sickness or condition of You, a Traveling Companion, or Your or Your Traveling Companion’s 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.

43 RoamRight
Essential
Covered if purchased within 21 days of trip deposit Quote

Full Policy Wording

The following exclusions apply: This policy does not cover Loss caused by or resulting from:

1) Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains), unless the policy is purchased within 21 days of the initial Trip deposit. The booking for the Trip must be the first and only booking for this travel period and destination, You are not disabled from travel at the time You pay the premium, and You must purchase this policy for the full non-refundable cost of Your Trip;

“Pre-Existing Condition” means any Injury, Sickness or condition of You, a Traveling Companion or Your and/or Your Traveling Companion’s Family Member 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.

44 RoamRight
Essential
Covered if purchased within 21 days of trip deposit Quote

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 or the individual with the Pre-Existing Condition, 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.

45 RoamRight
Preferred
Covered if purchased within 21 days of trip deposit Quote

Full Policy Wording

The following exclusions apply: This policy does not cover Loss caused by or resulting from:

1) Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains), unless the policy is purchased within 21 days of the initial Trip deposit. The booking for the Trip must be the first and only booking for this travel period and destination, You are not disabled from travel at the time You pay the premium, and You must purchase this policy for the full non-refundable cost of Your Trip;

“Pre-Existing Condition” means any Injury, Sickness or condition of You, a Traveling Companion or Your and/or Your Traveling Companion’s Family Member 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.

46 RoamRight
Preferred
Covered if purchased within 21 days of trip deposit Quote

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 or the individual with the Pre-Existing Condition, 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.

47 RoamRight
Elite
Covered if purchased within 21 days of trip deposit Quote

Full Policy Wording

The following exclusions apply: This policy does not cover Loss caused by or resulting from:
1) Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains), unless the policy is purchased within 21 days of the initial Trip deposit. The booking for the Trip must be the first and only booking for this travel period and destination, You are not disabled from travel at the time You pay the premium, and You must purchase this policy for the full non-refundable cost of Your Trip;

“Pre-Existing Condition” means any Injury, Sickness or condition of You, a Traveling Companion or Your and/or Your Traveling Companion’s Family Member 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.

48 RoamRight
Elite
Covered if purchased within 21 days of trip deposit Quote

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 or the individual with the Pre-Existing Condition, 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.

49 RoamRight
Active
Covered if purchased within 21 days of trip deposit Quote

Full Policy Wording

The following exclusions apply: This policy does not cover Loss caused by or resulting from:

1) Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains), unless the policy is purchased within 21 days of the initial Trip deposit. The booking for the Trip must be the first and only booking for this travel period and destination, You are not disabled from travel at the time You pay the premium, and You must purchase this policy for the full non-refundable cost of Your Trip;

“Pre-Existing Condition” means any Injury, Sickness or condition of You, a Traveling Companion or Your and/or Your Traveling Companion’s Family Member 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.

50 RoamRight
Active
Covered if purchased within 21 days of trip deposit Quote

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 or the individual with the Pre-Existing Condition, 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.

51 RoamRight
Adventure
Covered if purchased within 21 days of trip deposit Quote

Full Policy Wording

The following exclusions apply: This policy does not cover Loss caused by or resulting from:

1) Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains), unless the policy is purchased within 21 days of the initial Trip deposit. The booking for the Trip must be the first and only booking for this travel period and destination, You are not disabled from travel at the time You pay the premium, and You must purchase this policy for the full non-refundable cost of Your Trip;

“Pre-Existing Condition” means any Injury, Sickness or condition of You, a Traveling Companion or Your and/or Your Traveling Companion’s Family Member 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.

52 RoamRight
Adventure
Covered if purchased within 21 days of trip deposit Quote

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 or the individual with the Pre-Existing Condition, 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.

53 RoamRight
Multi-Trip
No coverage Pre-existing look-back period 180 days Quote

Full Policy Wording

The following exclusions apply: This policy does not cover 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 any Injury, Sickness or condition of You, a Traveling Companion or Your and/or Your Traveling Companion’s Family Member 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.

54 RoamRight
Multi-Trip Medical excl US
No coverage Pre-existing look-back period 180 days Quote

Full Policy Wording

The following exclusions apply. This policy does not cover Loss caused by or resulting from:

1. Pre-Existing conditions, defined in the policy. This exclusion does not apply to Emergency Evacuation/Repatriation;

“Pre-existing Condition” for the purposes of the policy shall mean 1) a condition that would have caused a person to seek medical advice, diagnosis, care or Treatment during the 6 months prior to the Effective Date of coverage under the policy; 2) a condition for which medical advice, diagnosis, care or Treatment was recommended or received during the 180 days prior to the Effective Date of coverage under the policy. 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.

55 RoamRight
Medical excl US
$1,000 per person Emergency Medical for Unexpected Recurrence Quote

Full Policy Wording

UNEXPECTED RECURRENCE

When Your Injury or Illness is not covered under the policy due to any of the following: 1) the condition caused You to seek medical advice, diagnosis, care or Treatment during the 180 days prior to the Effective Date of coverage under the policy; 2) medical advice, diagnosis, care or treatment was recommended or received for the condition during the 180 days prior to the Effective Date of coverage under the policy.

56 RoamRight
Evacuation
Covered Quote

Full Policy Wording

Pre-existing conditions are not excluded from RoamRight Evacuation

57 Seven Corners Inc
RoundTrip
Covered if purchased within 10 days of trip deposit Quote

Full Policy Wording

LIMITATIONS AND EXCLUSIONS

The following exclusions apply to Trip Cancellation & Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier, Emergency Sickness Medical Expense & Emergency Accident Medical Expense, Emergency Evacuation & 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) unless the insurance is purchased within ten (10) days of the initial Trip deposit;

Pre-Existing Condition: means any injury, sickness or condition of You, or Your Traveling Companion, Your Family Member booked to travel with You for which within the sixty (60) day period prior to the Effective Date of Trip Cancellation coverage under the Policy a) first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; 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 Physician. The Pre-Existing Conditions exclusion is waived for You if You enroll in the Plan at the time You pay the deposit required for the Trip (or within ten (10) days of the initial deposit) and You purchase the coverage under the Plan for the full cost of the Trip.

58 Seven Corners Inc
RoundTrip Choice
Covered if purchased within 10 days of trip deposit Quote

Full Policy Wording

The following exclusions apply to Trip Cancellation & Trip Interruption, Trip Delay, Missed Connection,
Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier, Emergency Sickness Medical Expense & Emergency Accident Medical Expense, Emergency Evacuation & 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) unless the insurance is purchased within ten (10) days of the initial Trip deposit;

Pre-Existing Condition: means any injury, sickness or condition of You, or Your Traveling Companion, Your Family Member booked to travel with You for which within the sixty (60) day period prior to the Effective Date of Trip Cancellation coverage under the Policy a) first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; 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 Physician. The Pre-Existing Conditions exclusion is waived for You if You enroll in the Plan at the time You pay the deposit required for the Trip (or within ten (10) days of the initial deposit) and You purchase the coverage under the Plan for the full cost of the Trip.

59 Seven Corners Inc
Liaison Continent excl US
No coverage Pre-existing look-back period 3 years Quote

Full Policy Wording

Waiver of Pre-Existing Condition(s):

If You are a United States resident, the Pre-existing Condition definition (under PLAN DEFINITIONS) is waived up to $25,000 in eligible medical expenses incurred outside the United States and Canada (Age 70+ limited to $5,000). Please see Medical Benefit Exclusions, exclusion #1 for details.

EXCLUSIONS AND LIMITATIONS For Medical benefits, this Insurance does not cover:

1. 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.

a) If You are a United States resident under age 70, this exclusion is waived for the first $25,000 in eligible medical expenses incurred outside the United States and Canada (for persons age 70 and over, the amount is $5,000), minus Your Deductible and selected Coinsurance option (Plan E or F). 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 this program.

b) If you are a non-U.S. resident under age 70, this exclusion is waived for eligible medical expenses for an Acute Onset of a Pre-existing Condition(s) (as defined herein) up to $45,000 (Ages 65-69 limited to $2,000) for eligible medical expenses incurred in the United States, minus Your Deductible and selected Coinsurance option (Plan A or B). For persons age 70 and over, there is no benefit. 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 this program.

Pre-existing Condition(s) shall mean any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental 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 policy, 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 Nervous Disorder, for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36 month period immediately preceding the effective date of coverage under this policy. *For Insured Persons traveling outside the United States and Canada, the period is 12 months instead of 36 months.

60 Seven Corners Inc
Liaison Majestic excl US
No coverage Pre-existing look-back period 3 years Quote

Full Policy Wording

WAIVER OF PRE-EXISTING CONDITION

If the Insured is a United States citizen and the United States is his/her Home Country, pre-existing conditions are waived for Eligible Benefits incurred outside the United States and Canada as defined below:

1. For persons less than age 65 with a Primary Health Plan as defined herein, pre-existing conditions are waived up to the medical maximum selected.

2. For persons less than age 65 with no Primary Health Plan as defined herein, pre-existing conditions are waived up to the first $20,000.

3. For persons age 65 and over, pre-existing conditions are waived up to the first $2,500 regardless of whether there is a Primary Health Plan.

Verification of the Primary Health Plan will be required at time of claim and if the plan in question is not determined to meet the required definition of a Primary Health Plan, Pre-existing conditions will be waived up to the first $20,000 for persons younger than age 65. Please note that 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 this program.

The term “Pre-Existing Condition” as used in this Policy shall mean any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental 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 policy, 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 Nervous Disorder, for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36 month period immediately preceding the effective date of coverage under this policy. *For Insured Persons traveling outside the United States and Canada, the period is 12 months instead of 36 months.

61 Seven Corners Inc
Liaison International excl US
No coverage Pre-existing look-back period 3 years Quote

Full Policy Wording

UNEXPECTED RECURRENCE OF PRE-EXISTING CONDITION

If a Plan Participant is a U.S. resident traveling outside the United Staes and Canada, this plan shall pay, up to the maximum stated in the Schedule of Benefits subject to the chosen Deductible and Coinsurance, for Covered Expenses resulting from a sudden, unexpected recurrence of a Pre-existing Condition while traveling. 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.

ACUTE ONSET OF A PRE-EXISTING CONDITION

If You are a non-U.S. resident, under age 70, traveling in the United States, you are covered for an Acute Onset of a Pre-existing Condition(s) as defined in the Definitions section. This benefit does not apply to insureds age 70 or older. To be considered a Covered Expense under this benefit, the expenses for an Acute Onset must be incurred in the United States and must be a result of an Acute Onset which occurs in the United States. Coverage is provided until the earliest of:

a) The condition is no longer acute; or,

b) You are discharged from the hospital.

This benefit covers one (1) acute episode per Pre-existing Condition. Coverage is available up to the Maximum amounts listed in the Schedule of Benefits for Eligible Medical Expenses. This level varies based on your chosen Medical Maximum amount subject to the chosen Deductible and Coinsurance. In addition, coverage is provided up to $25,000 for Emergency Medical Evacuation. Please see Exclusions and Limitations, Medical, exclusion #1(b) for details.

Pre-Existing Condition means any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, regardless of the cause including any congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time during the thirty-six (36) months prior to the effective date of coverage under this policy, 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 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 thirty-six (36) month period immediately preceding the effective date of coverage under this policy.

*For U.S. and Canadian residents traveling outside the United States and Canada, the Pre-existing Condition period is twelve (12) months instead of thirty-six (36) months.

62 Seven Corners Inc
RoundTrip Economy
No coverage Pre-existing look-back period 60 days Quote

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.

63 Seven Corners Inc
RoundTrip Elite
Covered if purchased within 20 days of trip deposit Quote

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.

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.

64 Seven Corners Inc
Wander Frequent Traveler excl US
No coverage Pre-existing look-back period 3 years Quote

Full Policy Wording

EXCLUSIONS

For Medical benefits, this Insurance does not cover:

1. 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.

a) If you are a United States citizen, this exclusion is waived for the first $20,000 in eligible medical expenses incurred outside the United States and Canada (for persons age 65 and over, the amount is $2,500). 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 this program.

b) If you are a non-United States citizen and suffer a Myocardial Infarction or Stroke and are admitted to a Hospital in the United States, this exclusion is waived in order to pay a $200 per night benefit for each night spent in the Hospital, up to a maximum benefit of $3,000. The term “Myocardial Infarction” shall mean an acute and emergent onset of the condition. The term “Stroke” shall mean an acute and emergent onset of the condition.

WAIVER OF PRE-EXISTING CONDITIONS

If You are a United States citizen and the United States is your Home Country, the Pre-existing Condition definition (under Part III – Definitions) is waived for the first $20,000 in eligible medical expenses incurred outside the United States and Canada (for persons age 65 and over the amount is $2,500). 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 this program. Please see Part IV – Medical Benefit Exclusions, exclusion #1 for details.

The term “Pre-Existing Condition” shall mean any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental 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 policy, 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 Nervous Disorder, for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36 month period immediately preceding the effective date of coverage under this policy. *For Insured Persons traveling outside the United States and Canada, the period is 12 months instead of 36 months.

65 Tin Leg
Economy
Covered if purchased within 14 days of trip deposit Quote

Full Policy Wording

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Baggage Delay / Delivery, Baggage / Personal Effects, Accident and Sickness Medical Expense, Emergency Medical Evacuation, and Repatriation of Remains. 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 from travel 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 preexisting if the Sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.

66 Tin Leg
Standard
Covered if purchased within 14 days of trip deposit Quote

Full Policy Wording

The following exclusions apply to Trip Cancellation, Trip Cancellation For Any Reason (if applicable), Trip Interruption, Trip Delay, Baggage Delay / Delivery, Baggage / Personal Effects, Accident and Sickness Medical Expense, Emergency Medical Evacuation, Emergency Non-Medical Evacuation Due to Catastrophe, and Repatriation of Remains.

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 from travel 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 preexisting if the Sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.

67 Tin Leg
Luxury
Covered if purchased within 14 days of trip deposit Quote

Full Policy Wording

The following exclusions apply to Trip Cancellation, Trip Cancellation For Any Reason (if applicable), Trip Interruption, Trip Delay, Baggage Delay / Delivery, Baggage / Personal Effects, Accident and Sickness Medical Expense, Emergency Medical Evacuation, Emergency Non-Medical Evacuation Due to Catastrophe, and Repatriation of Remains.

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 from travel 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 preexisting if the Sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.

68 Travel Insured International
Worldwide Trip Protector Lite
No coverage Pre-existing look-back period 60 days Quote

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.

69 Travel Insured International
Worldwide Trip Protector Plus
Covered if purchased within 21 days of trip deposit Quote

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.

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.

70 Travel Insured International
Worldwide Trip Protector
Covered if purchased within 21 days of trip deposit Quote

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.

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.

71 Travelex Insurance Services
Flight Insure Multi-trip - AD&D Only
No coverage Quote

Full Policy Wording

There is no Pre-Existing Condition coverage with this plan

72 Travelex Insurance Services
Flight Insure Package Plan Multi-trip
No coverage Quote

Full Policy Wording

Sickness means an illness or disease of the body which:
1) requires examination and treatment by a Physician, and
2) commences while the plan is in effect.
An illness or disease of the body which first manifests itself and then worsens or becomes acute prior to the effective date of this plan is not a Sickness as defined herein and is not covered by the plan.

73 Travelex Insurance Services
Flight Insure Plus - Flight AD&D Only
No coverage Quote

Full Policy Wording

There is no Pre-Existing Condition coverage with this plan

74 Travelex Insurance Services
Flight Insure Plus - Package Plan
No coverage Quote

Full Policy Wording

Sickness means an illness or disease of the body which:
1) requires examination and treatment by a Physician, and
2) commences while the plan is in effect.
An illness or disease of the body which first manifests itself and then worsens or becomes acute prior to the effective date of this plan is not a Sickness as defined herein and is not covered by the plan.

75 Travelex Insurance Services
Travel Basic
No coverage Pre-existing look-back period 60 days Quote

Full Policy Wording

The following exclusion applies to the Emergency Medical & Dental Expense, Trip Cancellation, Trip Interruption, Trip Delay and Missed Cruise Connection coverages:

We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the plan, including death that results therefrom. This Exclusion does not apply to benefits under covered expenses for emergency medical evacuation or repatriation of remains of the Emergency Evacuation & Repatriation coverage.

Pre-existing Condition means an illness, disease, or other condition during the 60 day period immediately prior to the date the plan payment has been received by the Policyholder for which you or your Traveling Companion, Domestic Partner, Business Partner or Family Member is scheduled or booked to travel with you:

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 60 day period before coverage is effective under this Policy.

76 Travelex Insurance Services
Travel Max
Covered if purchased within 30 days of trip deposit Quote

Full Policy Wording

The following exclusion applies to the Emergency Medical & Dental Expense, Trip Cancellation, Trip Interruption, Trip Delay and Missed Cruise Connection coverages:

We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the plan, including death that results therefrom. This Exclusion does not apply to benefits under covered expenses for emergency medical evacuation or repatriation of remains of the Emergency Evacuation and Repatriation coverage.

Waiver of the Pre-Existing Condition Exclusion

The Pre-Existing Condition Exclusion is waived provided you meet all of the following requirements:

1. the payment for this plan is received within 30 days from the date you paid the initial Covered Trip deposit/payment for your Covered Trip;

2. you are not disabled from travel at the time you makes your plan payment; and

3. you insure all prepaid Covered Trip costs that are subject to cancellation penalties or restrictions and also insure the cost of any subsequent arrangements added to your Covered Trip within 30 days of the payment for those arrangements.

Pre-existing Condition means an illness, disease, or other condition during the 60 day period immediately prior to the date the plan payment has been received by the Policyholder for which you or your Traveling Companion, Domestic Partner, Business Partner or Family Member is scheduled or booked to travel with you: 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 60 day period before coverage is effective under this Policy.

77 Travelex Insurance Services
Travel Select
Covered if purchased within 21 days of trip deposit Quote

Full Policy Wording

The following exclusion applies to the Emergency Medical & Dental Expense, Trip Cancellation, Trip Interruption, Trip Delay and Missed Cruise Connection coverages:

We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the plan, including death that results therefrom. This Exclusion does not apply to benefits under covered expenses for emergency medical evacuation or repatriation of remains of the Emergency Evacuation and Repatriation coverage.

Waiver of the Pre-Existing Condition Exclusion The Pre-Existing Condition Exclusion is waived provided you meet all of the following requirements:

1. the payment for this plan is received within 21 days from the date you paid the initial Covered Trip deposit/payment for your Covered Trip;

2. you are not disabled from travel at the time you makes your plan payment;

3. you insure all prepaid Covered Trip costs that are subject to cancellation penalties or restrictions and also insure the cost of any subsequent arrangements added to your Covered Trip within 21 days of the payment for those arrangements.

Pre-existing Condition means an illness, disease, or other condition during the 60 day period immediately prior to the date the plan payment has been received by the Policyholder for which you or your Traveling Companion, Domestic Partner, Business Partner or Family Member is scheduled or booked to travel with you:

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 60 day period before coverage is effective under this Policy.

78 TravelSafe
Basic
No coverage Pre-existing look-back period 60 days Quote

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” means any injury, sickness or condition (including any condition from which death ensues) of You, Your Traveling Companion, or Your or Your Traveling Companion’s Family Member traveling with You which within the 60 day period prior to the effective date of Your Trip Cancellation coverage under the Policy: a) manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; 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.

79 TravelSafe
Classic
Covered if purchased within 21 days of trip deposit Quote

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

WAIVER OF THE PRE-EXISTING CONDITION EXCLUSION

The exclusion for Pre-Existing Conditions will be waived if this plan is purchased within 21 days of the date Your initial Trip deposit is paid.

“Pre-Existing Condition” means any injury, sickness or condition (including any condition from which death ensues) of You, Your Traveling Companion, or Your or Your Traveling Companion’s Family Member traveling with You which within the 60 day period prior to the effective date of Your Trip Cancellation coverage under the Policy: a) manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; 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.

80 TravelSafe
Classic Plus
Covered if purchased within 21 days of trip deposit Quote

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

WAIVER OF THE PRE-EXISTING CONDITION EXCLUSION

The exclusion for Pre-Existing Conditions will be waived if this plan is purchased within 21 days of the date Your initial Trip deposit is paid.

“Pre-Existing Condition” means any injury, sickness or condition (including any condition from which death ensues) of You, Your Traveling Companion, or Your or Your Traveling Companion’s Family Member traveling with You which within the 60 day period prior to the effective date of Your Trip Cancellation coverage under the Policy: a) manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; 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.

81 Trawick International
Safe Travels International excl US
$20,000 per person Emergency Medical for Unexpected Recurrence Quote

Full Policy Wording

Unexpected Recurrence of a Pre-existing Condition Benefit – - means this plan shall pay, up to $20,000 for ages up to 65 or $10,000 ages 66 and over-subject to the chosen Deductible and Coinsurance for Covered Medical 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 1) a condition, regardless of the cause of the condition, for which medical advice, diagnosis, care or treatment was recommended or received within the 24 month period before the Covered Person’s coverage became effective under the Policy; 2) conditions for which the Insured Person is aware of any medical condition or set of circumstances, which could reasonably be expected to give rise to a claim; 3) or any person, including those who are not travelling, whose condition may give rise to an claim; 4) or is receiving or, is on a waiting list for or has the knowledge of the need for inpatient treatment at a hospital or nursing home; 5) or has been given a terminal prognosis. The term does not include genetic information in the absence of a diagnosis of the condition related to such information.

“Unexpected Recurrence of a Pre-Existing Condition” means a sudden and unexpected recurrence of a Pre-existing Condition while outside the Covered Person’s Home Country and 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.

82 Trawick International
Safe Travels USA Trip Protection
Covered if purchased no later than 30 days after the final trip payment Quote

Full Policy Wording

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

1. Pre-Existing Conditions, as defined.

“Pre-Existing Condition” means a condition of the Insured, or Traveling Companion, or Your and/or Traveling Companion’s Family Member or Your Business Partner regardless of the cause of the condition 1. for which medical advice, diagnosis, care or treatment was recommended or received within the 180 day period before the Covered Person’s coverage became effective under the Policy; 2.manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; 3.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 within the last 90 days;

This exclusion is waived if the coverage is purchased no later than 30 days after the final trip payment.

83 Trawick International
Safe Travels International Trip Protection excl US
Covered if purchased no later than 30 days after the final trip payment Quote

Full Policy Wording

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

1. Pre-Existing Conditions, as defined.

“Pre-Existing Condition” means a condition of the Insured, or Traveling Companion, or Your and/or Traveling Companion’s Family Member or Your Business Partner regardless of the cause of the condition 1. for which medical advice, diagnosis, care or treatment was recommended or received within the 180 day period before the Covered Person’s coverage became effective under the Policy; 2.manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; 3.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 within the last 90 days;

This exclusion is waived if the coverage is purchased no later than 30 days after the final trip payment.

84 USA-ASSIST Worldwide Protection
Global Travel Medical Diamond
No coverage Pre-existing look-back period 36 months Quote

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

85 USA-ASSIST Worldwide Protection
Global Travel Medical Executive
No coverage Pre-existing look-back period 36 months Quote

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

86 USA-ASSIST Worldwide Protection
Global Travel Medical Gold
No coverage Pre-existing look-back period 36 months Quote

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

87 USA-ASSIST Worldwide Protection
Global Travel Medical Platinum
No coverage Pre-existing look-back period 36 months Quote

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

88 USA-ASSIST Worldwide Protection
Global Travel Medical Standard
No coverage Pre-existing look-back period 3 years Quote

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

89 USA-ASSIST Worldwide Protection
Global Travel Medical Titanium
No coverage Quote

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

90 USA-ASSIST Worldwide Protection
GlobalTrip Classic
No coverage Pre-existing look-back period 180 days age 69 and under Pre-existing look-back period 1 year age 70 and over Quote

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.

91 USA-ASSIST Worldwide Protection
GlobalTrip Saver
No coverage Pre-existing look-back period 180 days age 69 and under Pre-existing look-back period 1 year age 70 and over Quote

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.

92 USA-ASSIST Worldwide Protection
GlobalTrip Plus
No coverage Pre-existing look-back period 180 days age 69 and under Pre-existing look-back period 1 year age 70 and over Quote

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.

93 USA-ASSIST Worldwide Protection
GlobalTrip High Medical
No coverage Pre-existing look-back period 180 days age 69 and under Pre-existing look-back period 1 year age 70 and over Quote

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.