GradGuard Support



Does tuition insurance cover pre-existing conditions?

Updated 3 months ago | Frequently Asked Questions

Your plan specifically excludes coverage for losses resulting directly or indirectly from a pre-existing medical condition as defined by your plan.  However, your plan includes a pre-existing medical condition waiver that waives this exclusion when ONE of the following are met:

A. The insured student, on the plan purchase date, did not have any symptoms of the pre-existing condition and was medically able to attend school for the covered term; 

B. The insured student was covered by a similar plan issued by the insurance provider within the previous four months; 


C. A loss is due to the death of the insured student. 

If there is a chronic condition, you may want to have your child see their general practitioner and get it on their record that they were fit to attend school prior to classes beginning.

What is a pre-existing medical condition?

An illness or injury that the student was seeking or receiving treatment for or was actively exhibiting symptoms of within 60 days* prior to the purchase date of the plan. Please also note that you may still be protected for losses caused by reasons other than those related to a pre-existing medical condition. See the Certificate of Insurance/Plan for details. 

How does protection apply to medical conditions?

For medical conditions, such as diabetes or severe anxiety, as long as there is no change in symptoms, treatment, or medication within 60 days* prior to the plan’s purchase date we would not consider the condition as pre-existing.  Therefore, routine treatment or routine medication being sought for a controlled condition would not be deemed pre-existing unless there was a change in the condition within 60 days* prior to the plan’s purchase date.

(You can view a sample tuition plan by clicking here. The plan you receive does depend on the state your student will be living in, so just be sure to select the correct state to get an accurate plan.)

*Most of our partner plans carry a 60 day look back period. Please be sure to view your plan or sample plan to determine your look back period. Some plans carry a 120 day look back period.

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