When shopping for travel insurance that will cover pre-existing conditions, pay attention to see if there is a look back period. A look back period means that from the policy effective date, counting backwards a set amount of time, if that pre-existing condition has not changed, then it will not be considered pre-existing, thus treated the same as, say, a broken arm. It is important that the condition has not changed, either for better or worse, with regard to treatment, diagnoses, medication or any other change identified by the physician. Remember, even if a pre-existing medical condition has improved, that is considered a change. The look back period can range from 60 days to three years, depending on the plan. Always refer to the certificate of insurance for details.
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