A Pre-exiting Medical Condition is any Medical Condition that, within the last 12 months, required any:
- surgery, inpatient or outpatient treatment, referrals or investigations of any sort. This includes being on any waiting list, taking any prescription medication, tablets or required medical treatment (This will not apply to common colds, flu or contraceptive medication);
- medical advice or treatment for any respiratory condition relating to the lungs or breathing;
- medical advice or treatment for any heart, stroke or diabetic condition.
If you, a family member, or a traveling companion have a pre-existing medical condition you need to be aware that many travel medical insurance policies exclude any losses resulting from that condition. If you have to cancel or interrupt your trip due to that condition, or if you become ill with that condition while traveling, you will not be covered.