Direct answer
It depends on the policy; many standard plans exclude pre-existing conditions unless you purchase a specific waiver within a limited timeframe after your initial trip deposit.
Industry-standard travel insurance policy wording and coverage definitions. For additional information about how travel insurance regulations and definitions work, see the National Association of Insurance Commissioners‘ guidance on travel insurance.
What this means for you
It depends on the policy; many standard plans exclude pre-existing conditions unless you purchase a specific waiver within a limited timeframe after your initial trip deposit.
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