Welcome to the Temporal Insurance Policy FAQ, where we answer all your pressing questions about covering your past mistakes.
Pre-existing conditions are those pesky events that occurred before you got your time-traveling policy with us. Like, you know, that one time you accidentally married a time-traveling clone of yourself and had to pay for their therapy.
We're not responsible for any paradoxes that occur while traveling back in time. You're on your own for that whole "butterfly effect" mess.