Pre-Existing Conditions: With respect to the Emergency Medical/Dental Expense benefit and the Emergency Medical Evacuation/Repatriation benefit, We will not pay for medical expenses incurred as a result of a condition for which the Insured Person received medical treatment or advice, or took prescribed drugs or medicine, or for which treatment was recommended by a Physician, during the 60 days immediately preceding and including the Insured’s Effective Date, unless the condition is controlled through the taking of prescription drugs or medication and remains controlled throughout the 60 day period.

With respect to the Trip Cancellation / Interruption Benefit, We will not pay for loss or expense incurred by the Insured Person as a result of Injury or Illness of the Insured Person which manifests itself during the 60 days immediately preceding and including the Insured’s Effective Date, unless the condition is controlled through the taking of prescription drugs or medication and remains controlled throughout the 60 day period. An Illness or Injury has manifested itself when: (a) medical care or treatment has been given; or (b) there exists symptoms which would cause a reasonably prudent person to seek diagnosis, care or treatment; or (c) prescription medication has been altered or changed.

This Pre-Existing Condition exclusion is waived for all Insured Persons under the age of 70 if coverage is purchased within 14 days of the date of the Insured Person’s initial deposit paid to the Travel Supplier for the trip.