Pre-Existing Condition

Any injury or illness you have and sought medical treatment for within 60 days before your travel insurance policy becomes effective

The Insurer will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition of you, traveling companion, business partner or Immediate Family Member which, within the 60 day period immediately preceding and including your coverage effective date: first manifested itself or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or for which care or treatment was given or recommended by a Physician; or required the taking of prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the prescription drugs or medicines.

The Insurer will waive this exclusion if the Insured meets the following conditions:

1. You purchase the program within 15 days of making the initial Trip payment;


2. The amount of Trip
   Cancellation coverage purchased at that time equals the full cost of all pre-paid non-refundable trip arrangements. The cost of any subsequent arrangement(s) added to the same Trip must be insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s). Failure to do so may affect the pre-existing medical condition waiver coverage;


3. You must be medically able to travel when plan cost is paid; and


4. Applies to the first $50,000 of Trip cost per person