Hello this is Troy Gonzales with Good Neighbor Insurance. I’m gonna talk about the Azimuth Meridian Basic international travel health insurance. All right, so I’m gonna talk to you today about the coverage for pre-existing conditions that’s offered on the Azimuth Meridian Basic international travel health insurance. So basically a pre-existing medical condition is any medical condition or illness that has existed in the past, and especially prior to your effective date of coverage. A pre-existing medical condition: anything that has happened in the past, either by diagnosis or with symptoms or treatments or anything like that. When you apply for the Azimuth Meridian Basic insurance, you need to include all of your health history. That’s very important, as everything is considered in there. So especially with pre-existing conditions, there are certain results that can happen when you apply. Some of those results, you can either have temporary exclusions on a medical condition, you can be declined altogether, or you could be approved altogether with no conditions excluded. So there are many things that can happen. Usually it’s best to contact us and we can give you a heads up before you apply, and recommend what you can expect, and what some good options may be. So that’s just one thing to keep in mind. There are some medical conditions that result in automatic declines. Some of those are if you have diabetes and you’re insulin dependent, if you’ve had a transplant, if your body mass index or your BMI is over 40, or if you’ve had recent cancers except for basal cell Those conditions will give you an automatic decline on the Meridian Basic international travel insurance. But, if your pre-existing conditions are not excluded, all conditions are covered after a 24-month waiting period and they’re covered at $10,000 per year. So that’s the coverage offered. If it is excluded, then whenever the exclusion is done, like sometimes they do a 5-month exclusion for a certain condition. Once that’s done, then you’ll have coverage at $10,000 per year. But if you only have one year, then you still have to wait the full 24 months for the pre-existing conditions’s coverage. So that’s what you need to know about the Azimuth Meridian Basic’s coverage for the pre-existing conditions. Now we have other videos about different aspects of this international travel health insurance. So you can see that in the description below and we would also have more information on our website. So let me go ahead and get the link for you, and if you ever have questions you are more than welcome to contact us and let us know.