What do you consider to be a pre-existing medical condition and how does that affect my coverage?

If you’re being treated by a doctor for a medical condition before you buy your insurance, that’s considered a pre-existing condition. In most states, it's covered if you purchase your policy within 15 days of your first trip payment.

One more thing: To qualify for pre-existing-condition coverage, all the covered travelers have to be medically able to travel when they buy ExactCare, and the entire trip cost has to be insured.

The Travel Insurance Experts