During the underwriting process, all prior medical conditions will be analyzed. IF the Long Term Care Insurer accepts your application, you should not have to worry about pre-existing conditions when you file a claim.  Most top of the line insurers will either accept or reject a client, and will not have pre-existing conditions built in to the policy.  Be wary of any policy that will insure a client with a pre-existing condition clause. The larger most experienced companies will not deny claim for pre-existing conditions.