Bypass heart surgery would most likely be considered a chronic pre-existing condition, especially if the insured is on maintenance medication for it. Typically, heart conditions are considered pre-existing, which are often excluded from travel insurance coverage.
Coverage for the acute onset of a pre-existing condition is for the unexpected recurrence of a condition that the insured previously had that was not chronic or congenital. Since most heart conditions are considered chronic, bypass heart surgery would likely be excluded from acute onset coverage. It is generally up to the attending physician to determine if a given situation would be considered the result of a pre-existing condition or not.
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