What is the definition of a Pre-Existing Medical Condition?
“Any injury, disease or illness to You, a Traveling Companion, Family Member, or Business Partner occurring prior to and including the effective date of your insurance.”
With trip cancellation insurance, there is coverage if you need to cancel your trip. It applies when an injury, disease, or illness happen to yourself, a traveling companion, a family member, or a business partner.
In other words, a pre-existing medical condition is something that happened before you had insurance. Therefore, unless you have a pre-existing medical condition waiver, you will not be covered for the cancellation or medical costs associated with it.
Please feel free to comment with any questions and they will be answered