Is there a pre-existing medical exclusion?
Yes, your coverage is subject to a medical exclusion that applies to pre-existing conditions. This insurance does not pay for any medical expenses incurred directly or indirectly as a result of
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Conditions, limitations and exclusions apply. For complete details of coverage, refer to the Summary of Coverage which you will receive upon purchase, the terms of which will prevail. HSBC Travel Insurance is administered by Travel Guard and underwritten by Chartis Insurance Company of Canada, 145 Wellington Street West, Toronto, ON M5J 1H8.