In most countries, XCover protection doesn’t cover pre-existing illnesses.

Depending on your type of cover, you also may not be covered if:

• The event that causes your claim happens before you bought the cover, or before your trip；

• You can claim through other means；

• If you choose not to travel or change your mind on your trip；

For specific details about your policy, please log in to your XCover Account to see what’s covered.