Pre Existing Conditions
Insurers define pre existing conditions based on lookback periods and stability criteria. Some plans offer a waiver if you buy soon after the first trip payment.
Key Concepts
- Lookback period (e.g., 60–180 days)
- Stable vs. controlled conditions
- Full trip cost insurance requirements
Waiver Checklist
- Purchase within the specified window after initial payment
- Insure the full non refundable trip cost
- Medically able to travel on the policy effective date