Is there a pre-existing condition clause?
No, coverage is available to any student healthy enough to begin classes. For instance, if a student had mono in a previous semester and has been given a clean bill of health to begin school and comes down with mono again mid-semester, coverage would apply. However, if a student has been diagnosed with or shows symptoms of mono and then purchases the policy mid-semester, coverage would not apply for that condition. The same applies to accidents – a student can not purchase the policy after an accident happens mid-semester and expect coverage.