Stable Pre-Existing Conditions – Covered up to $25,000, $30,000, $40,000, or $50,000 for Ages Below 70. $20,000 for ages 70-89.
Safe Travels Complete provides coverage for Stable Pre-existing Conditions. To understand coverage, you need to know what a pre-existing condition and stable pre-existing condition is first.
Pre-Existing Condition
"Pre-Existing Condition" means any Injury, Illness, Sickness, disease, 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 (3) years prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic, known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any subsequent Chronic or recurring complications or consequences thereof.
Stable Pre-Existing Condition
"Stable Pre-Existing Condition" means a diagnosed illness, disease, or other medical condition that, during the ninety (90) days immediately preceding the Effective Date:
- Has not required hospitalization or emergency medical treatment;
- Has not experienced an acute deterioration requiring immediate medical intervention;
- Has not been the subject of a Physician's recommendation for surgery or other major medical intervention; and
- Has not required a material change in treatment due to deteriorating of the condition.
Stable Pre-Existing Condition Events
Expenses for a Pre-Existing Condition will be considered only when 1) the episode is sudden, unplanned, and first occurs after the effective date of coverage; 2) symptoms represent a sudden and unplanned recurrence or acute exacerbation of a Pre-Existing Condition, or the sudden onset of a complication directly resulting from that condition, beyond routine maintenance care or expected disease progression; and 3) treatment is Medically Necessary and cannot be reasonably delayed.
Multiple episodes of a Pre-Existing Condition may be covered during the Period of Insurance, provided each episode results from a separate acute exacerbation; occurs after the Covered Person has been medically stabilized from the previous episode; is not a continuation of the same illness or course of treatment; is supported by appropriate medical records demonstrating a separate occurrence.
Excluded Pre-Existing Condition Treatment
The following are not covered: 1) Routine or maintenance care, including scheduled physician visits, Elective or planned procedures, long-term disease management, medication refills not associated with a sudden and unplanned recurrence or acute exacerbation. 2) Treatment that was recommended prior to the Effective Date, or reasonably foreseeable at the time of travel. 3) Ongoing or continuous treatment without evidence of sudden and unplanned recurrence or acute exacerbation. 4) Dialysis, long-term rehabilitation, or custodial care. 5) Where travel was undertaken primarily for the purpose of receiving medical Treatment for a Pre-Existing Condition.