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Pre-Existing conditions are conditions a policyholder had prior to the effective date of coverage, whether known or unknown. They are typically lifelong and chronic conditions such as diabetes and high blood pressure.

An acute onset of a pre-existing condition is a sudden occurrence or manifestation of the prior condition. The acute onset is a sudden and unexpected outbreak or recurrence of a prior condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

To learn more about the difference between a pre-existing condition and an acute onset of a pre-existing condition, click here.

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Information provided here in the form of Questions and Answers is for general purpose only and may not be current and accurate at all times. Insurance terms and conditions, benefits, and coverage are subject to change at any time. For this reason, it is possible that the information given here could be outdated or incorrect. VisitorsCoverage inc. assumes no responsibility or liability for the accuracy of these answers. Any use of the information on our website is subject to our Terms and Conditions and User Agreement. It is recommend that you review the latest Evidence of Coverage and Plan Contract (Policy) for a detailed description of coverage benefits, limitations, and exclusions. Please read the Policy Brochure and Plan Details for complete and accurate information. Only the Terms and Conditions of Coverage listed in a particular policy are binding.