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Do Pre-existing Conditions Include Non-Traveling Family Members?

Thanks Steve. I appreciate your prior replies for my nit-picking questions. I’m getting quite an eye-opening education. I regret taking advice from others prior to finding TripInsuranceStore.com. I have one more question: Do the pre-existing conditions rules include my non-traveling family members? I was under the impression that pre-existing medical conditions only applied to the travelers themselves, but I think I am wrong about this, too. Thanks in advance for clarifying. Dave

Hi Dave,

Here’s how it works:

If the policy is bought to satisfy all the pre-existing medical condition requirements, then it allows the people listed on that policy to cancel or interrupt their trip for their own, their traveling companions’ & non-traveling family members’ pre-existing medical conditions.

However, who exactly a family member is depends on each company. A Family Member usually means your spouse, child, spouse’s child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, guardian, ward.

You need to read the policy to find out who is a Family Member. Many of the companies who are not worthy to be offered on TripInsuranceStore.com have more restrictive family member or other policy wording definitions.

I have a page that covers who are family members in greater detail at https://tripinsurancestore.com/your-family-member-or-traveling-companion/.

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