Am I covered if I have a pre-existing medical condition?

Pre-existing conditions – unless they are controlled and stable - are not covered for Trip Cancellation, Trip Interruption, Accidental Death and Dismemberment, Emergency Sickness Medical Expense, and Emergency Accident Medical Expenses.

And not to get too technical but a pre-existing condition is defined as something that you have shown symptoms of, been treated or tested for, recommended you be tested for, or received a prescription for in the 90 days prior to the effective date.

If you have taken or received a prescription in the previous 90 days, the pre-existing condition doesn’t apply if the problem is treated or controlled solely by the taking of prescription drugs, and if there has been no adjustment to that prescription in those 90 days prior to your policy date.


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