Every scenario.
Already covered.

Standard travel policies exclude pre-existing conditions with a 90-day lookback window. Shield's infant rider eliminates that window entirely for children under 12 months. Birth complications, NICU follow-up care, and conditions diagnosed before the policy date are all covered under Clause 4(b) — Pediatric Continuity of Care.

Shield's evacuation clause covers the medically necessary transport of the insured infant plus one accompanying parent — including car seat procurement at destination if required. Transport is arranged by our 24/7 coordination desk and defaults to the nearest qualified pediatric facility, not the nearest airport.

Shield's cancellation clause includes three pediatric-specific triggers absent from standard policies: (1) FDA or equivalent formula recall within 14 days of departure, (2) documented adverse vaccine reaction within 72 hours of scheduled departure, and (3) physician-certified unavailability of required infant medication at destination. Full non-refundable cost reimbursement, no partial payout.