You know what events you want to be covered for, but what about the rest of your traveling companions? What events are they concerned with? Would you travel without them if they had to cancel? Would they travel without you if you had to cancel?
n general, a pre-existing condition is considered to be any medical condition where you or a family member has received care or treatment or have had symptoms that would cause an average person to seek care and treatment within a period of time immediately prior to the effective date of coverage. The effective date of coverage for plans with trip cancellation coverage is usually the day after the policy was purchased. The period of time that a company looks back varies by plan and can be as few as 60 days and as great as 180 days, with 180 days being the most common.
Ask any traveler who’s had a less-than-favorable experience trying to collect a travel insurance claim whether or not their expectations were unreasonable, and, as one would expect, the traveler will adamantly argue that a canceled trip warrants reimbursement.