Do not assume that a new travel policy will pay for an illness diagnosed before it starts. The answer depends on the specific insurer's wording and on what treatment is needed.
In this guide+
Read the exact exclusion
Wizer's published visitor terms exclude costs linked to conditions that existed before cover began, while describing a limited exception for a life-threatening emergency. That exception does not turn routine follow-up care into an insured service. Check the issued policy for the exact scope.
Ask before buying
Tell the insurer about the diagnosis, medicines and planned care. Ask in writing whether an acute flare-up, emergency admission, medicines and later treatment are covered. A sales summary or a minimum coverage figure cannot answer that question.
If symptoms appear during the trip
Get urgent help when needed and call the assistance number on your policy. Keep medical records showing the symptoms, timing and treatment. The insurer will assess the event under its policy terms.
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Use the issued policy document for exact benefits, limits, dates, exclusions, and insurer terms.
