There are 62 countries not in the European Union (EU) or Schengen Zone whose citizens can enter without needing a visa, and can travel visa-free for up to 90 days for purposes other than to work or study. From 2022 they will need to apply via the new ETIAS (European Travel Information and Authorization System) system which replaces existing visa waiver arrangements.
A pre-existing condition is any sickness, disease, or medical condition requiring medical treatment which was known by the insured party and diagnosed before they purchased their travel insurance. You need to disclose these to your insurer before taking out your policy as they may affect your premium. Failing to disclose this information may mean you are unable to make a claim.