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Acute Onset of Pre-Existing Conditions - Covered up to policy maximum for age below 70 years

Acute Onset of a Pre-Existing Condition

If you are under age 70, you may be covered for an acute onset of a pre-existing condition up to the overall policy maximum.


A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs 1) spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care; 2) after the Effective Date; and 3) prior to the age shown in the Schedule of Benefits/Limits. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or Treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset.


This benefit is available under Patriot America Plus for non-U.S. citizens traveling anywhere outside their home country including the U.S.