Travel Protection Plan
This Travel Protection Plan will normally not cover a recurrence or worsening of an injury, sickness, or other condition manifesting itself during the 60-day period before your insurance coverage starts (usually the 60 days prior to buying your coverage). This is called a Pre-Existing Medical Condition.
So, if you sprained your ankle last month and it feels fine now, but you re-injure it the week before your trip, you may be out of luck. But buying your travel insurance early will waive this exclusion. In other words, the Travel Protection plan will cover Pre-Existing Medical Conditions, if you buy the insurance within 21 days of your first payment/deposit for the trip.
You must insure your full Trip Cost, buy coverage for any non refundable arrangements added to your Trip at a later date; and you must be medically able to travel when you purchase coverage.
For complete information, see the Description of Coverage.