iTravelInsured Travel SE

Pre-Existing Medical Condition means an illness, disease, or other condition during the sixty (60)-day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner, Family Member, Pet, or Service Animal scheduled or booked to travel with You:

(a) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or

(b) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before coverage is effective under this policy.

(c) required a change in prescribed medication. Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:

(i) between a brand name and a generic medication with comparable dosage; or
(ii) an adjustment to insulin or anti-coagulant dosage.

Death resulting from a pre-existing medical condition will not be excluded. Death must occur prior to the termination date of the benefit under which the claim is being made.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER
We will waive the Pre-Existing Medical Condition exclusion if all of the following conditions are met:

(a) Your premium for this policy is received within the Time Sensitive Period.

(b) You or Your Traveling Companion, are medically able and not disabled from travel at the time Your premium is paid based on assessment of a Physician.

Time Sensitive Period means insurance must be purchased within twenty (20) days of the date Your initial Payments or Deposits for Your Trip is received.

AMENDATORY ENDORSEMENTS

TENNESSEE
The policy is hereby amended for Tennessee as follows:

2. The “Pre-Existing Medical Condition” definition of the “Definitions” section of the policy is hereby deleted and replaced with the following:

Pre-Existing Medical Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner, Family Member, Pet, or Service Animal scheduled or booked to travel with You:

1. received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or

2. took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before coverage is effective under this policy.

3. required a change in prescribed medication. Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:

4. between a brand name and a generic medication with comparable dosage; or

5. an adjustment to insulin or anti-coagulant dosage.

VERMONT
The policy is hereby amended for Vermont as follows:

1. The Pre-Existing Medical Condition as defined in the General Definitions provision is deleted and replaced as follows:

Pre-Existing Medical Condition means an illness, disease, or other condition during the sixty (60)-day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner, Family Member, Pet or Service Animal scheduled or booked to travel with You:

1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute; or

2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60)-day period before coverage is effective under this policy.

3) required a change in prescribed medication. Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:

a) between a brand name and a generic medication with comparable dosage; or
b) an adjustment to insulin or anti-coagulant dosage.