Start with the details that matter
Coverage amount, the optional 365-day stability option, and the 5-day after-arrival waiting period shape whether TruStone fits.
Coverage fit
Choose the right coverage amount instead of picking among plan tiers.
Medical wording
Whether the optional 365-day stability window is needed for the case.
Cost and timing
After-arrival wait, refund penalties, and optional AD&D decisions.
TruStone Pre-Existing Conditions at a Glance
- Underwriter
- The Empire Life Insurance Company
- Administrator
- TruStone Health
- Pre-existing
- Optional 365-day stability window (one of the longest)
- Important
- Confirm the 365-day option is selected on the quote
- Coverage amounts
- $10,000 to $200,000
How TruStone Handles Pre-Existing Conditions: the 365-Day Stability Option
TruStone's HMC plan (underwritten by The Empire Life Insurance Company) offers an optional 365-day stability upgrade — one of the longer stability windows among the providers we work with. With this option, a pre-existing condition that has been stable for the 365 days before the trip may be eligible for coverage.
Because the 365-day stability coverage is optional, the most important thing to confirm is whether it has actually been added to the quote, and how the medical questionnaire applies to your parent's history. Confirm current terms with our advisor before purchasing.
What "Stable" Means
Most pre-existing coverage depends on a condition being "stable" for a set window before the trip — generally no new diagnosis, no medication or dosage change, no new or worsening symptoms, no pending tests, and no hospitalization. Our Pre-Existing Conditions Guide explains the full stability test; this page covers how TruStone specifically applies it.
What to Confirm With TruStone
- Whether the optional 365-day stability coverage is actually selected on the quote.
- How the medical questionnaire applies to your parent's specific conditions and medications.
- Whether the condition has genuinely been stable across the full 365-day window.
- Whether the chosen coverage amount meets the current Super Visa requirement.
FAQs
TruStone offers an optional 365-day stability option, under which a condition stable for the 365 days before the trip may be eligible for coverage. Confirm with our advisor whether the option is included or needs to be added.
Information accurate as of July 2025
This page reflects the TruStone policy wording available to us as of July 2025 and is provided for general guidance only. Pre-existing condition rules, stability windows, eligibility, and plan wording can change. Confirm current terms with our advisor and review the policy wording before you buy.
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