Pre-Existing Condition

A pre-existing condition is any medical issue, illness, or symptom that existed before your insurance coverage began, regardless of whether it was formally diagnosed. Insurers use this definition to assess risk and determine eligibility for certain benefits, particularly in medically underwritten or travel plans.

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In health and dental coverage, pre-existing conditions may affect acceptance or limit coverage for specific treatments. In travel insurance, a pre-existing condition clause defines whether recent changes in medication or symptoms are stable enough to qualify for emergency medical protection. Some guaranteed acceptance plans still cover pre-existing conditions but with lower limits.

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Example:

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If you were treated for asthma before applying for a medically underwritten plan, your insurer may review that condition when determining eligibility or pricing.

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What to Watch For:

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Always answer health questions accurately on applications. For travel coverage, confirm stability requirements to ensure pre-existing conditions are protected during your trip.