Coverage for Existing Medical Conditions is provided if:

1. You purchased trip insurance within 14 days of making your first trip payment or first trip deposit;
2. You purchased trip cancellation coverage that covers the full cost of all your non-refundable trip arrangements;
3. You were a U.S. resident and medically able to travel on the day you purchased your plan; and
4. The total cost of your trip is $10,000 per person or less.

If you do not meet the above criteria, you will still be covered for Trip Cancellation or Trip Interruption caused by reasons other than those related to the Pre-Existing Condition.