• Travel insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your policy before you travel, as your coverage may be subject to certain limitations or exclusions.
  
  
• A pre-existing exclusion may apply to medical conditions and/ or symptoms that existed prior to your trip. Check to see how this applies in your policy and how it relates to your departure date, date of purchase or effective date.
  
  
• In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is reported.
  
  
• If your policy provides travel assistance, you may be required to notify the designated assistance company prior to treatment. Your policy may limit benefits should you not contact the assistance company within a specified time period.

Read your policy carefully before you travel.