Infographic - Waiver of the Pre-existing Conditions Exclusion

Are losses caused by pre-existing conditions always excluded?

Have pre-existing conditions on your mind when traveling? Travel Insured's plans contain an exclusion for losses caused by pre-existing conditions. However, this exclusion can be waived if you purchase a plan within the time sensitive period (and meet additional eligibility requirements). If you qualify for the waiver, losses caused by pre-existing conditions can be covered.

Let's simplify the 2 requirements a traveler needs to meet to be eligible for the waiver with the Worldwide Trip Protector plan.

Purchase at the right time: Purchase the plan within the time sensitive period provided in the plan document.
Be physically able to travel: You must be medically able and not disabled from travel at the time your plan is purchased.

Example of How the 21 Day Time Sensitive Period Works

Day 1: Day after first trip payment received

Day 21: Last day for pre-ex waiver eligibility

Day 22 and beyond: Too late to get the waiver

FYI - You can still purchase a plan for other coverage, regardless of timing!

As always, it's important to read the Plan Document carefully to make sure you understand the coverage.

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.