Questions & answers · Travel insurance
How does American Zurich Insurance Company's travel insurance policy define a pre-existing condition?
AI-drafted from filed documents · reviewed: pendingpre-existing conditionsAmerican Zurich Insurance Company
Under American Zurich Insurance Company’s filed form for Missouri (MO), a pre-existing medical condition is excluded unless the waiver conditions are met [1]. The waiver applies if the policy is purchased within the Time Sensitive Period, the insured is medically able to travel at the time of purchase, and the coverage amount equals all cancellation penalties up to the maximum shown in the Schedule, including any subsequent arrangements made for the same trip [1]. The insured must update the coverage to include the cost of these subsequent arrangements within 15 days of payment to the travel supplier [1]. If this update is not made within 15 days, the waiver terminates and the pre-existing medical condition exclusion applies [1]. This does not appear in these excerpts — check the full policy for the definition of "pre-existing medical condition."
Information only — not legal advice. The insurer decides.
These answers quote forms insurers filed with state regulators. Your own policy, its endorsements and your state’s rules control. A filed form may not be the version sold to you.
Where this comes from (1)
[1] American Zurich Insurance Company · MO · SERFF ZURC-134453058 · p. 5
PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER The Company will waive the Pre-Existing Medical Condition exclusion if the following conditions are met: U-TGT-1053A-MO (01/25) (1) the plan is purchased within the Time Sensitive Period; and (2) the Insured is medically able to travel when the plan is purchased; and (3) the amount of coverage purchased equals all Cancellation Penalties up to the maximum shown in the Schedule including any subsequent arrangements made for the same Trip. The Insured must update the coverage to include the additional cost of the subsequent arrangements within 15 days of payment to the Travel Supplier. If the Insured does not insure all Trip Costs within 15 days of payment to the Travel Supplier, this waiver will be terminated and the Pre-Existing Medical Conditions exclusion will apply.
Drafted by a local AI model from the excerpts above, then checked by rules (citations, no rankings, no “not covered” claims from a partial excerpt). Question id Q15868daa. Spotted an error? Tell us.