Sudden and Unexpected Reoccurrence of a Pre-Existing Condition - Covered up to $2,500 (Single), $5,000 (Multi)

GlobeHopper Senior Single-Trip and GlobeHopper Senior Multi-Trip provide coverage for a sudden and unexpected recurrence of pre-existing conditions for insured persons. By understanding what a pre-existing condition is, you can better understand the coverage for a sudden and unexpected reoccurrence by knowing how it relates to a pre-existing condition.

Pre-existing Condition

Any Injury, Illness, sickness, disease, or other physical, medical, Mental or Nervous Disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the three years prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

Conditions and Restrictions

To be eligible for benefits for an Unexpected recurrence of a Pre-existing Conditions, the Insured Person must be in compliance with the following conditions and restrictions. At the time of the Unexpected recurrence of the Pre-existing Condition,

1. The Insured Person must not be Traveling against or in disregard of the recommendations, established Treatment programs, or medical advice of a Physician or other healthcare provider; and
2. The Insured Person must not be traveling with the intent or purpose to seek or obtain Treatment for the Pre-existing conditions; and
3. The Insured Person must not be traveling during a period of time when the Insured Person is preparing or waiting for, involved in, or undertaking a new, changed, or modified Treatment program with respect to the Pre-existing Conditions, and is not traveling subsequent to any such new, changed or modified Treatment program having been advised or recommended; and
4. The Pre-existing Conditions must have been stabilized for at least thirty (30) days prior to the Effective Date without change in Treatment; and
5. The Insured Person must be traveling outside the United States.

Sudden and Unexpected Reoccurrence of a Pre-Existing Condition

Subject to the Terms of this insurance and the insurance and the Conditions and Restrictions set forth below and in the event the Insured Person suffers or experiences Unexpected recurrence of a Pre-existing Conditions during the Period of Coverage for which immediate Treatment is essential and necessary to stabilize the Pre-existing Condition, the Insured Person will be reimbursed up to the amount shown in the Schedule of Benefits/Limit for Eligible Medical Expenses incurred during the Coverage Duration per Trip with respect to the Unexpected recurrence of the Pre-existing Condition.

Frequently Asked Questions