Direct answer
It depends on the policy’s specific waiver; some plans cover pre-existing conditions if the policy is purchased within a strict timeframe of your initial trip deposit, while others exclude them entirely.
Standard travel insurance policy contract definitions and exclusionary clauses. For additional information about understanding how insurance policies define coverage and exclusions, see the National Association of Insurance Commissioners‘ consumer guides.
What this means for you
It depends on the policy’s specific waiver; some plans cover pre-existing conditions if the policy is purchased within a strict timeframe of your initial trip deposit, while others exclude them entirely.
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