The most common reasons causing travelers to cancel trips are injuries, sicknesses, or deaths occurring in their family. Historically these health reasons account for more than 70% of all trip cancellations or interruptions. It has been estimated that 20% or more of these health related cancellation or interruptions are caused by pre-existing medical conditions. Because of this it is very important that you understand what are a pre-existing conditions and whether or not they will effect you. Please read our article, “Pre-existing Medical Conditions – Understanding them” for a full explanation of this important travel insurance policy provision.