In hindsight, we now know that the May symptoms were probably caused by the cancer. However, at the time Monica sought treatment, no one knew that. Monica saw two doctors, neither of whom noted any suspicion of cancer in his report. This was after the policy was in force. Only then could the symptoms be recognized as cancer.
Cancer is the condition at issue.
Because the symptoms of cancer, the palpable mass and blood in the stool were not evident until after the policy was in force, the cancer is a covered sickness under the terms of the policy. Which produced signs or symptoms within the 5 year period immediately preceding that covered person's effective date of coverage which should have caused an ordinarily prudent person to seek diagnosis or treatment. As discussed above, Monica did seek treatment for symptoms which we now know likely were caused by her cancer. Although American Family's claims adjuster found that Monica's cancer was preexisting due to these symptoms, this characterization relies upon subsequent events. The most that can be said about the May symptoms is that they are not inconsistent with the June diagnosis of cancer.