Pre-Existing Condition

• What is Pre-Existing Condition?
  A Pre-Existing Condition is an illness or other medical condition that was treated, diagnosed, or changed during a policy’s lookback period.

• What am I covered for?
  PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

  We will waive the pre‐existing medical condition exclusion if the following conditions are met:

  a. This policy is purchased within fifteen (15) days of initial trip payment;

  b. The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the covered trip at the time of purchase and the costs of any subsequent covered trip arrangements added to the same covered trip are insured within fifteen (15) days of initial trip payment;

  c. All insureds are medically able to travel when this policy cost is paid;

  d. The trip cost does not exceed twenty thousand dollars ($20,000), 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.

  GENERAL LIMITATIONS AND EXCLUSIONS

  In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion, family member, host at destination, business partner, pet and service animal. This policy does not cover any loss for, caused by or resulting from:

  ff. Any loss or expense incurred as the result of a pre‐existing medical condition except congenital anomalies of a covered dependent;

  Death of you or a family member, traveling companion, host at destination, business partner, pet, or service animal, resulting from a pre existing medical condition will not be excluded. The death must occur prior to the termination date of the benefit under which the claim is being made.

  Accidental Death and Dismemberment – Common Carrier (Air Only) Exclusions:

  In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment – Common Carrier (Air Only) Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

  d. Pre‐existing medical conditions except congenital anomalies of a covered child.

  Pre‐existing medical condition means an injury, sickness, death or other condition of you, your traveling companion, family member, host at destination, business partner, pet, or service animal, to which any of the following applied within the one hundred eighty (180) day period immediately preceding and including the purchase date of this policy:

  a. The existence of symptoms which would ordinarily cause a prudent person to seek diagnosis, care or treatment; or

  b. A condition for which medical advice or treatment was recommended by a physician or received from a physician.