Medication changes or adjustments can cause a stable medical condition to be classified as a pre-existing medical condition under many travel insurance companies plans. Now, I don't mean to say that all travel insurance plans throughout the world work exactly like I'm going to explain it. I only work with 6 trip cancellation travel insurance companies mainly because I don't think it's possible to know the details of scores of different plans.

Also, before I go further into this subject I just need to say that what's commonly known as travel insurance really has two different categories:

- travel health / medical insurance

- trip cancellation / interruption travel insurance

While nearly everybody thinks that these kinds of plans are the same, in reality they're not for a few different reasons. So, with the purpose of trying to help you avoid likely claim problems with "travel health / medical insurance plans", here is what we say:

"Pre-existing conditions are not covered. A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom."

I won't bore you with all the other differences between these types of plans, since I am only addressing changes of medications and pre-existing medical conditions.

Back to the trip cancellation travel insurance plans. Typically, these plans have a Lookback Period of 60 - 180 days prior to the date the travel insurance is purchased. If the person's medical condition has been diagnosed, treated, received advisement on, had symptoms of or changes or adjustments in their prescribed medication during that Lookback Period then most companies will define that medical condition as a pre-existing medical condition.

Having a pre-existing medical condition doesn't mean you can't get travel insurance. It just means that order to get coverage for that pre-existing condition with a trip cancellation travel insurance plan, you have to purchase the insurance within the specified deadline to receive the waiver of the pre-existing medical conditions exclusion. Here are the four rules that you need to follow:

- With a few exceptions, you have to insure at least your trip's full prepaid, non-refundable cost (you can't round it down). If you don't know your final trip cost, estimate it high to be safe. You can always lower to the correct trip cost prior to your departure date. If it drops you to a lower trip cost range, you'll get a partial refund. and

- The person (including non-traveling family members) with the medical condition has to be medically stable when you get your insurance and

- You must get your travel insurance in the first 14 or 21 days after your first trip payment date or no later than 24 Hours after you make your final Trip payment and

- You have to cover your trip's full length.

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