Covered if policy purchased before the final trip payment
A Pre-Existing Condition is an illness or other medical condition that was treated, diagnosed, or changed during a policy’s lookback period.
EXCLUSIONS AND LIMITATIONS
Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, Family Member, Pet or Service Animal scheduled and booked to travel with You.
The following exclusion(s) appl(y)(ies) to the Trip Cancellation and Trip Interruption and Medical Expense.
We will not pay for any loss or expense caused due to, arising or resulting from:
1. a Pre-Existing Medical Condition, as defined in the policy;
Death resulting from a Pre-Existing Medical Condition will not be excluded. Death must occur prior to the termination date of the benefit under which the claim is being made.
PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER
We will waive the Pre-Existing Medical Condition exclusion if all of the following conditions are met:
a) Your premium for this policy is received within the Time Sensitive Period.
Time Sensitive Period means insurance must be purchased at or before the final payment for Your Trip.
Pre-Existing Medical Condition means an illness, disease, or other condition during the sixty (60) -day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner, Family Member, Pet, or Service Animal scheduled or booked to travel with You:
1. received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or
2. took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before coverage is effective under this policy.
3. required a change in prescribed medication. Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:
a) between a brand name and a generic medication with comparable dosage; or
b) an adjustment to insulin or anti-coagulant dosage.