You MUST read the detailed brochure and Plan summary, and fully understand the plan restrictions, exclusions and Limitations of coverage before purchase. Travel Insurance Plans are for temporary coverage and should not be used in place of permanent coverage. All Travel Plans have exclusions and restrictions on Pre-Existing Conditions.

What is considered Pre-Existing Conditions?

Any Injury, Illness or medical condition (s) which meets any of the following criteria will be considered as a Pre-Existing Condition (s): a) condition (s) that would have caused a person to seek medical advice, diagnosis, care or treatment prior to the Effective Date of coverage under the Policy; 2) condition (s) for which manifestation, medical advice, diagnosis, care or treatment was recommended, received, or noticed prior to the Effective Date of coverage under the Policy.

Pregnancy Coverage

There is no coverage for Pregnancy or Complications of Pregnancy, or expenses and charges related to Pregnancy, Pre-Natal care, Visits to the Physician, Hospital or Provider for Pregnancy and directly related services.

Who determines if it is a Pre-Existing Condition?

The Insurance Carrier TPA will look at the attending Physician’s Statement, past and present Medical Records, History, and the nature of the treatment and condition to determine if the condition is Pre-Existing.