Infographic - Understanding Pre-Existing Conditions

Travel Insured's travel protection plans can provide benefits even if your loss is caused by a pre-existing condition.

What is a Pre-Existing Condition?

Travel Insured defines a Pre-Existing Condition as an injury, sickness or condition to any of the following during the "look back" period:

you or your traveling companion
your family member
your business partner

See the Plan Document for the complete definition.

Pre-Existing Condition Exclusion

Travel Insured plans contain a Pre-Existing Conditions Exclusion which may have an impact on insurance coverage.

Refer to the Plan Document for the complete Pre-Existing Condition Exclusion.

"Look Back" Period

The time frame prior to the date your coverage is effective.

If a pre-existing condition occurs within the "look back" period, it is excluded from your coverage unless you qualify for the Waiver of the Pre-Existing Condition Exclusion.

The exact "look back" period varies by plan.

Waiver of the Pre-Existing Condition Exclusion

In many Travel Insured plans, the Pre-Existing Condition Exclusion will be waived if:

the plan is purchased within the specific time frame specified in your Plan Document; and

you are not disabled from travel at the time you pay for the plan.

This website contains highlights of the plans developed by Travel Insured International, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al, and non-insurance Travel Assistance Services provided by C&F Services and Blue Ribbon Bags (on select plans only). The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured International. P.O. Box 6503, Glastonbury, CT 06033; 855-752-8303; [email protected]; California license #0I13223. While Travel Insured International markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Travel Insured and Travel Insured does not receive compensation from USF for providing the non-insurance components of the plans.