Understanding Pre-existing Conditions

Travel Insured's travel protection plans can provide benefits even if your loss is caused by a pre-existing condition.

What is a Pre-Existing Condition?

Travel Insured defines a Pre-Existing Condition as an injury, sickness or condition to any of the following during the "look back" period:

  • you or your traveling companion
  • your family member
  • your business partner

See the Plan Document for the complete definition.


Pre-Existing Condition Exclusion

Travel Insured plans contain a Pre-Existing Conditions Exclusion which may have an impact on insurance coverage.

Refer to the Plan Document for the complete Pre-Existing Condition Exclusion.


"Look Back" Period

The time frame prior to the date your coverage is effective.

If a pre-existing condition occurs within the "look back" period, it is excluded from your coverage unless you qualify for the Waiver of the Pre-Existing Condition Exclusion.

The exact "look back" period varies by plan.


Waiver of the Pre-Existing Condition Exclusion

In many Travel Insured plans, the Pre-Existing Condition Exclusion will be waived if:

  • the plan is purchased within the specific time frame specified in your Plan Document; and
  • you are not disabled from travel at the time you pay for the plan.