Pre-existing Conditions Exclusion and Waiver This program does not cover losses or expenses if they result from any injury occurring prior to and including the effective date of this insurance and any illness occurring during the 120 days prior to and including the effective date of this insurance for which treatment by a licensed physician has been sought or advised or for which symptoms exist which would cause a prudent person to seek diagnosis, care or treatment. In order to have the Pre-existing Conditions Exclusion waived, you must purchase enough insurance to cover the full cost of all non-refundable trip arrangements within 14 days of paying your initial trip payment, be medically able to travel at the time of purchase of insurance and have not filed a claim for trip cancellation due to a pre-existing illness within 120 days of the effective date of this insurance. This waiver is available for trips costing $10,000 or less per covered person. Please note that the Pre-existing Conditions Exclusion Waiver is not available to Canadian residents.