Direct answer
It depends on the specific policy, as many basic plans exclude pre-existing conditions unless you purchase a specific waiver within a limited timeframe after your initial trip deposit.
Industry-standard underwriting guidelines for travel health benefits. For additional information about the standards governing insurance coverage and consumer protections, see the National Association of Insurance Commissioners.
What this means for you
It depends on the specific policy, as many basic plans exclude pre-existing conditions unless you purchase a specific waiver within a limited timeframe after your initial trip deposit.
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