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Pre-Existing Condition

Deluxe Travel Health Plan

This applies to persons age 55 and older who have bypassed or answered yes to any of the medical questions. This also applies to anyone over the age of 74.

Expenses resulting directly or indirectly from any of the following will not be eligible:

  • a pre-existing condition that was not stable during the 12-month period prior to the effective date of coverage for the trip in question.
  • an illness or medical condition for which a person was prescribed, recommended or received medical treatment, consultation, care or services including diagnostic measures or have had the dosage or frequency of any medication reduced, increased, stopped and/or a new medication prescribed during the 12-month period prior to the effective date of coverage for the trip in question.

A pre-existing condition would not include:

  • consulting a physician for a previously identified medical condition that has not changed, is not worsening and there has been no alteration in treatment prescribed or recommended or received for the 12-month period prior to the effective date of coverage for the trip in question.
  • changes from a brand name medication to a generic brand of the same dose or the routine adjustment of Coumadin, warfarin, insulin or oral medication to control diabetes (as long as they are not newly prescribed or stopped and there has been no change in a person's medical condition).

Tour Package Plan

This applies to persons age 55 and older.

Expenses resulting directly or indirectly from any of the following will not be eligible:

  • a pre-existing condition that was not stable during the 12-month period prior to the effective date of coverage for the trip in question.
  • an illness or medical condition for which a person was prescribed, recommended or received medical treatment, consultation, care or services including diagnostic measures or have had the dosage or frequency of any medication reduced, increased, stopped and/or a new medication prescribed during the 12-month period prior to the effective date of coverage for the trip in question.

A pre-existing condition would not include:

  • consulting a physician for a previously identified medical condition that has not changed, is not worsening and there has been no alteration in treatment prescribed or recommended or received for the 12-month period prior to the effective date of coverage for the trip in question.
  • changes from a brand name medication to a generic brand of the same dose or the routine adjustment of Coumadin, warfarin, insulin or oral medication to control diabetes (as long as they are not newly prescribed or stopped and there has been no change in a person's medical condition).

Annual Travel Plan

This applies to persons age 55 to 74.

Expenses resulting directly or indirectly from any of the following will not be eligible:

  • a pre-existing condition that was not stable during the 12-month period prior to the departure date for the trip in question.
  • an illness or medical condition for which a person was prescribed, recommended or received medical treatment, consultation, care or services including diagnostic measures or have had the dosage or frequency of any medication reduced, increased, stopped and/or a new medication prescribed during the 12-month period prior to the departure date for the trip in question.

A pre-existing condition would not include:

  • consulting a physician for a previously identified medical condition that has not changed, is not worsening and there has been no alteration in treatment prescribed or recommended or received for the 12-month period prior to the departure date for the trip in question.
  • changes from a brand name medication to a generic brand of the same dose or the routine adjustment of Coumadin, warfarin, insulin or oral medication to control diabetes (as long as they are not newly prescribed or stopped and there has been no change in a person's medical condition).

Trip Cancellation Benefits

Expenses resulting directly or indirectly from any of the following will not be eligible:

  • a pre-existing condition that was not stable during the six-month period prior to the purchase date of the policy for the trip in question.
  • an illness or medical condition for which a person was prescribed, recommended or received medical treatment, consultation, care or services including diagnostic measures or have had the dosage or frequency of any medication reduced, increased, stopped and/or a new medication prescribed during the six-month period prior to the purchase date of the policy for the trip in question.

A pre-existing condition would not include:

  • consulting a physician for a previously identified medical condition that has not changed, is not worsening and there has been no alteration in treatment prescribed or recommended or received during the six-month period prior to the purchase date of the policy for the trip in question.
  • changes from a brand name medication to a generic brand of the same dose or the routine adjustment of Coumadin, warfarin, insulin or oral medication to control diabetes (as long as they are not newly prescribed or stopped and there has been no change in a person's medical condition).