Pre-existing Conditions

Travel insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read your benefit booklet and understand your coverage before you travel, as your coverage is subject to certain limitations and exclusions.

Actives:  The claim must be “sudden and unforeseen”.  Generally speaking, if the event happens quickly and could not be predicted or expected then it is sudden and unforeseen. However, that being said, a claim cannot be guaranteed before it occurs.

Retirees:  Claims which were not “stable” in the 90 days prior to departure date are not eligible. Please refer to your benefit booklet for the definition of stable. Pre-existing medical condition exclusions may apply to medical conditions and/or symptoms that existed before your trip. Refer to your benefit booklet to determine how these exclusions affect your coverage and how they relate to your departure date.