If the Trip Cancellation covered amount purchased is less than $12,000, we will not cover any expenses for any medical condition related to you, your spouse, or your children, if that medical condition was not stable in the 3 months before you purchased this insurance.

In addition to the “stable” requirement, we will not cover any expenses relating to:

• your/their heart condition if, in the 3 months before you/they purchased this insurance, it has not been stable or you/they have taken any form of Nitroglycerine for the relief of angina pain; and/or
• your/their lung condition if, in the 3 months before you/they purchased this insurance, it has not been stable or you/they required treatment with Oxygen or Prednisone for your/their lung condition.

If the Trip Cancellation covered amount purchased is $12,000 or more, we will not cover any expenses for a medical condition related to you, a member of your immediate family, your travel companion, your key-person, or the person whose guest you are during your trip, if that medical condition was not stable in the 12 months before you purchased this insurance.

In addition to the “stable” requirement, we will not cover any expenses relating to:

• your/their heart condition if, in the 12 months before your/their purchase date, it has not been stable or you/they have taken any form of Nitroglycerine for the relief of angina pain; and/or
• your/their lung condition if, in the 12 months before your/their purchase date, it has not been stable or you/they required treatment with Oxygen or Prednisone for your/their lung condition.

In addition, you must not know, nor be aware of any reason, circumstance, event or medical condition affecting you or anyone which may eventually prevent you from starting and/or completing your covered trip as booked when you purchase this insurance coverage.

Additional exclusions and restrictions may apply; please consult the policy booklet for full details.