Gold

PRE-EXISTING CONDITIONS EXCLUSION

The Policy does not cover Trip Cancellation/Interruption and Emergency Medical Benefits losses or expenses if they result from a Pre-existing Condition.

PRE-EXISTING CONDITIONS LIMITATION

If You have purchased a program where the Pre-existing Conditions Exclusion is waived, We cover these Pre-existing Conditions up to the Maximum Waiver Amount provided:

1)       Your insurance was purchased within 21 days of the initial Covered Trip payment;

2)       You had not filed a claim with any insurer for Trip Cancellation/Interruption due to a sickness or injury within 90 days prior to the purchase of the Policy; and

3)       The condition is not excluded by the GENERAL EXCLUSIONS AND LIMITATIONS.

The Pre-Existing Conditions Exclusion applies to all amounts over the Maximum Waiver Amount shown on the Confirmation of Coverage except for Medical Evacuation/Repatriation benefits which are not subject to the Maximum Waiver Amount.

If You do not meet the above criteria, You will still be covered for Trip Cancellation/Interruption and Emergency Medical Benefits caused by reasons other than those related to the Pre-existing Condition.

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