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Covered if purchased within 15 days of trip deposit
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.
PRE-EXISTING MEDICAL CONDITION EXCLUSION:
The Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition (excluding any condition from which death ensues) of an Insured, Traveling Companion, Business Partner or Family Member which, within the 180 day period immediately preceding and including the Insured’s coverage effective date: a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; b) for which care or treatment was given or recommended by a Physician; c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.
PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER
The Company will waive the pre‐existing medical condition exclusion up to a maximum of the first $30,000 of Trip Cost if the following conditions are met:
(1) This plan is purchased within 15 days of Initial Trip Payment;
(2) The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase and the costs of any subsequent arrangements added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangements;
(3) All Insureds are medically able to travel when this plan cost is paid;
(4) The Trip Cost does not exceed $100,000, per person (only applicable to Trip Cancellation/Interruption/ Delay);
This coverage will be terminated and no benefits will be paid under this Pre‐ existing Medical Condition Exclusion Waiver coverage if the full costs of all prepaid, non‐refundable Trip arrangements are not insured.