What is the Pre-Existing Condition Limitation?
The Insight Vacations Travel Protection Plan does have a pre-existing condition exclusion which is quite liberal. The pre-existing condition limitation precludes coverage only for those medical conditions that manifested themselves, became acute, or were being treated in the 90 days before coverage goes into effect (date of coverage purchased). You may have a chronic condition that requires that you take medication and still be covered by the plan. Only if the condition is unstable and/or if there has been a change in the required prescription would your condition be considered pre-existing. In addition, you can waive the pre-existing condition exclusion by purchasing the plan early. (For more information on waiving pre-existing condition, Click Here).
