Pre-existing conditions are not covered for the first 12 months of the Policy. Please speak to your agent or see the Limitations and Exclusions page, or review the Policy, for more information about pre-existing conditions. Pre-Existing Conditions Pre-Existing Conditions are excluded for the first twelve months following the effective date of coverage. A condition shall no longer be considered a Pre-Existing Condition after the date a person has been covered under the policy for 12 consecutive months. Pre-Existing Condition is a condition for which: (a) medical treatment was rendered or recommended by a physician; or (b) medicine was prescribed within 12 months prior to an Insured person’s Effective Date of coverage.