Now you have me perplexed. I see no distinction in the policy between emergency medical or other medical. I also see no pre-existing condition exclusion for any medical, regardless of when purchased.
Notice the wording difference in the declarations. Only cancellation or interruption make any mention of pre-existing conditions (which are covered if timely purchased):
Trip Cancellation Coverage - You have to cancel your trip before you depart. $2,000.00 Pre-existing Medical Condition Limit: Claims for Trip Cancellation due to a pre-existing medical condition can be covered up to the maximum trip cancellation benefit limit, not to exceed $2,000.00. Conditions apply.
Trip Interruption Coverage - Your travel plans are interrupted while you are on your trip. $2,000.00 Pre-existing Medical Condition Limit: Claims for Trip Interruption due to a pre-existing medical condition can be covered up to the maximum trip interruption benefit limit, not to exceed $2,000.00. Conditions apply.
Emergency Transportation Coverage - Transportation is needed following a medical emergency while on your trip. $500,000.00
Emergency Medical/Dental Coverage - You have to pay for emergency medical or dental while on your trip. $50,000.00