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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.
Benefits are not payable for any loss due to, arising or resulting from:
1. due to a Pre-Existing Condition, as defined in the plan. 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 payment for this plan and enrollment form are received within the Time Sensitive Period;
b) The booking for the Trip is Your first and only booking for this travel period and destination; and
c) You are not disabled from travel at the time You make Your payment for this plan.
“Pre-Existing Condition” means an illness, disease, or other condition during the 60 day period immediately prior to the Effective Date of Your coverage 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; 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 Your coverage is effective under this plan.
Time Sensitive Provisions
When You purchase this plan within 15 days of Your initial trip deposit: 1) the plan exclusion for Pre-Existing Conditions will be waived (provided the booking for the Trip is Your first and only booking for this travel period and destination and You are not disabled from travel at the time of the plan purchase);