Definition
A preexisting condition is a new condition that develops prior to obtaining the policy. Travelers insurance companies describe a new condition as not only a new illness, but also a change in medication for a chronic illness. It also includes any new symptoms.
Time Frame
These changes are only considered if they take place within a certain amount of time prior to the onset of the policy. This time frame is usually three months to a handful of weeks prior to policy start.
Considerations
The preexisting condition waiver is granted if the condition is found to pass the time frame and definition tests presented here. The traveler can then purchase a policy.
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