Travel insurance standard policies generally exclude any medical condition that was unstable, symptomatic, or treated within a specific look-back period (usually 60 to 180 days) prior to purchasing the policy. Chronic conditions that are left undeclared during the initial application, terminal illnesses, or conditions for which you are traveling specifically to seek medical treatment abroad are also strictly excluded from receiving claim reimbursements unless a formal pre-existing condition waiver is purchased.
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