Plans That Offer the Pre-Existing Medical Conditions Exclusion Waiver
Worldwide Trip Protector Platinum
AVAILABLE
Worldwide Trip Protector Deluxe
AVAILABLE
Worldwide Trip Protector Essential
AVAILABLE
Travel Insured International is your trusted partner for robust travel insurance. Whether you’re planning a quick weekend getaway or a far-flung international excursion, we’re here to provide reliable protection tailored to your needs. From trip cancellations to medical emergencies, baggage protection, and more, we’ve got you covered so you can focus on enjoying your journey.
With professional claims processing and friendly, knowledgeable support, Travel Insured International makes navigating the unexpected easier for travelers like you. Since 1994, we’ve been helping adventurers explore the world with confidence, backed by decades of expertise and an unwavering commitment to customer satisfaction. When you choose Travel Insured International, you’re choosing protection for the peace of mind of knowing your trip is protected.
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 illness, disease, or other 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
What is the "Look Back" Period?
The time frame immediately 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 can 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.
The Worldwide Trip Protector plans (Platinum, Deluxe, and Essential) normally exclude Trip Cancellations and Trip Interruptions that are caused by a pre-existing medical condition. However, we will waive this exclusion if all of the following conditions are met. Your plan cost and enrollment form for the plan is received within the time sensitive period (see below). You are not disabled from travel at time your plan cost is paid for your plan.
Time Sensitive Periods
The Platinum plan must be purchased within 21 days of the date your initial payment or deposit for your trip is received.
The Deluxe and Essential plans must be purchased within 14 days of the date your initial payment or deposit for your trip is received.
Please review the sample plan documents for your state for the complete definition of a Pre-Existing Medical Condition.
Coverage and benefit eligibility may vary by state. Read your plan document for full details.
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