Pre-Existing Medical Conditions Coverage

Plans That Include Pre-Existing Medical Conditions Coverage

Worldwide Trip Protector Gold

included

Worldwide Trip Protector

included

Trip Protector
Lite Expanded

included

Trip Protector
Lite

not included

 

What Pre-Existing Medical Conditions Covers

You are eligible for coverage for Trip Cancellation/Interruption and Emergency Accident & Sickness Medical Expense (and the Medical Upgrade if this is purchased) due to a pre-existing medical condition if you purchase your travel insurance plan no longer than 30 days after initial trip deposit for Worldwide Trip Protector Gold, 21 days for Worldwide Trip Protector, and 14 days for Trip Protector Lite Expanded. Pre-existing Medical Conditions coverage is not available on Trip Protector Lite.

A pre-existing medical condition is defined as any accident, sickness or condition (including any condition from which death ensues) that affects you, your traveling companion (insured or uninsured), or any member of your immediate family (insured or uninsured) and for which medical advice, diagnosis, care, or treatment was obtained in the 180 days prior to the day you purchase your policy.

If the medical condition and its treatment has remained unchanged for 180 days prior to the day you purchase your policy, it is not considered pre-existing and is covered as a regular medical condition for both Trip Cancellation/Interruption, Emergency Accident & Sickness Medical Expense, and the Medical Upgrade even if you do not purchase your policy within the time limits mentioned above.

All medical conditions, even if considered pre-existing, are covered under Emergency Evacuation, Medically Necessary Repatriation and Repatriation of Remains.

The Medical Upgrade does not relate to pre-existing medical condition coverage.


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