For coverage to apply to a pre-existing condition in travel insurance, the applicant must:

For coverage to apply to a pre-existing condition in travel insurance, the requirement that the applicant must have the condition under control for a specified duration is fundamental because insurers often want to minimize risk. This means that if a person has a known medical issue, they should demonstrate stability regarding that condition before they travel. Insurers typically set specific timeframes, often around 90 to 180 days, during which the condition must have been managed effectively without significant complications or symptoms to be eligible for coverage.

The rationale behind this requirement is to ensure that by the time the person travels, they are in a stable health condition, which reduces the likelihood of needing extensive medical care while away from home. It also helps the insurer assess the risk of incurring additional claims related to that pre-existing condition. This approach is standard practice in the travel insurance industry to strike a balance between providing coverage and managing underwriting risks.