Not all group insurance carriers are clear about this in their policy wording, however, most companies have a “stability of health” clause in them. If there has been any change to your health within 90 days of your travel departure date, it would be prudent for you to call the Travel Assist provider who’s behind your group travel insurance benefit and ask for clarification.
Generally “stable” means within 90 days preceding your departure your pre-existing condition(s) has been controlled without any change in medication, dosages or frequency. Any new medically diagnosed conditions within the same 90-day period would also not be covered. This includes any tests, investigations or scheduled exploratory surgical procedures.