You are eligible for coverage for Trip Cancellation/Interruption and Accident & Sickness Medical Expense due to a pre-existing medical condition if you purchase your travel insurance plan no longer than 21 days after initial trip deposit and must insure all prepaid non-refundable trip costs and be medically able to travel at the time the premium is paid. Pre-existing Medical Conditions coverage is not available on Trip Protector Lite.
A pre-existing medical condition is defined as any illness, sickness or condition that affects you, your traveling companion (insured or uninsured), business partner (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 60 days prior to the day you purchase your policy.
If the medical condition and its treatment has remained unchanged for 60 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, 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.
If you add non-refundable trip costs after you have purchased your travel insurance policy, please call our customer care department as soon as possible to ensure you continue to remain eligible for this benefit.
Coverage and benefit eligibility may vary by state.