$20,000 per person Emergency Medical for Unexpected Recurrence age 65 and under
$10,000 per person Emergency Medical Unexpected Recurrence age 66 and over
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.
UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION BENEFIT
This plan shall pay, up to $20,000 for those up to age 65 and $10,000 for those age 65 and over subject to the chosen Deductible and Coinsurance for Covered Expenses resulting from a sudden, unexpected recurrence of a Pre-Existing Condition while traveling outside the Covered Person’s Home Country. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.
PRE-EXISTING CONDITION DEFINITION
“Pre-Existing Condition” means 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 traveling, 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.