1.	A medical condition or related condition, if in the 90 days before your day of departure or day of booking, that medical condition or related condition was not stable.
2.	A heart condition, if in the 90 days before your day of departure or day of booking: a) any heart condition has not been stable; or b) you have taken nitroglycerin more than once per week specifically for the relief of angina pain for any heart condition.
3.	A lung condition, if in the 90 days before your day of departure or day of booking: a) any lung condition has not been stable; or b) you have been treated with home oxygen or taken oral steroids (prednisone or prednisolone) for any lung condition.

Your day of departure applies to

•	Emergency Medical Insurance coverage; and
•	Interruption & Delay Insurance coverage.

Your day of booking applies to:

•	Trip Cancellation Insurance.

Additional exclusions and limitations apply to all Policyholders as outlined in the Policy/Certificate.