Definition first
Policies can define a pre-existing condition using a lookback period, symptoms, treatment, medication changes or other criteria.
Waiver conditions
When a waiver is available, eligibility may depend on purchase timing, insuring eligible trip cost, medical stability or other plan-specific conditions.
Do not generalize one plan's rule
A lookback period or waiver condition from one insurer does not automatically apply to another.
Claims need a medical timeline
A claim may require records showing symptoms, treatment and changes before and after the policy purchase date.
Traveling companions and family
Definitions may also affect cancellation when a traveling or non-traveling family member has a medical event.