Trip insurance offered on our invoice after paying initial deposit

We paid our deposit about 23 days ago and my sister, who has a son with epilepsy, is wondering if she should get insurance for her and her son. Trying to figure out this fine print to decide if his pre-existing condition would be waived if we pay at this point, up until final payment.

Here is the fine print: "In order to qualify for the waiver of the Pre-Existing condition exclusion, payment for this coverage must be received by World Travel Holdings with the deposit/initial Trip payment. Satisfaction of this prerequisite will be verified during claims processing. If you have already paid your deposit, remit payment for the applicable plan cost to World Travel Holdings prior to, or within 10 days of final payment of your trip cost."

Sounds like you have to pay within ten days of the initial deposit to get the waiver. Paying at final payment just means you get standard cancellation and medical.

There are other companies that provide the waiver at final payment. CSA and Nationwide come to mind. You can search and compare at insuremytrip.com.

We paid our deposit about 23 days ago and my sister, who has a son with epilepsy, is wondering if she should get insurance for her and her son. Trying to figure out this fine print to decide if his pre-existing condition would be waived if we pay at this point, up until final payment.

 

Here is the fine print: "In order to qualify for the waiver of the Pre-Existing condition exclusion, payment for this coverage must be received by World Travel Holdings with the deposit/initial Trip payment. Satisfaction of this prerequisite will be verified during claims processing. If you have already paid your deposit, remit payment for the applicable plan cost to World Travel Holdings prior to, or within 10 days of final payment of your trip cost."

As Babr mentioned, there are other policies that might work.

Call Steve at

http://www.TripInsuranceStore.com

He can sell that CAS policy, and he might have other choices for you.

Also, to clarify, it isn't just that you must have the "pre-existing condition...waived". (That's probably impossible.)

You can probably still get a policy covering the person, but the potential problem is IF there is a claim that is *related* to the pre-existing condition.

If it's not related, then usually one would be fine.

However, when someone has a pre-existing condition, it's often the case that one is concerned about the possibility of that condition causing a problem that interferes with the trip somehow.

Ask about that CSA policy, the one where you can purchase the insurance as late as within 24 hours of final payment (defined specifically).

But also keep in mind that if you have other non-refundable costs, they wouldn't be covered until you've started the policy.

Note that the person must be able to travel on the date the policy is purchased, so that's sometimes another reason not to wait until the last minute.

Carleeb12, it reads to me as if the PEC exclusion waiver was only available at the same time as the deposit payment. Now, 21 or so days later, it only offers the regular policy which must be paid no later than 10 days of final payment. As travel,policies go, this is a pretty restrictive clause and I would be wondering what other restrictions this policy may have.

As the other posters said, you have other, better options for still obtaining full coverage.

We paid our deposit about 23 days ago and my sister, who has a son with epilepsy, is wondering if she should get insurance for her and her son. Trying to figure out this fine print to decide if his pre-existing condition would be waived if we pay at this point, up until final payment.

 

Here is the fine print: "In order to qualify for the waiver of the Pre-Existing condition exclusion, payment for this coverage must be received by World Travel Holdings with the deposit/initial Trip payment. Satisfaction of this prerequisite will be verified during claims processing. If you have already paid your deposit, remit payment for the applicable plan cost to World Travel Holdings prior to, or within 10 days of final payment of your trip cost."

My trip insurance waives the pre-existing condition within 21 days after payment of trip (cruise/flight)expenses, even if deposit only.

If your medication changes, even for maintenance medicine, 60 days before payment of insurance premium, not trip cost, then it is considered as pre-existing and not included as reason for coverage on claims.

Trip insurance purchased with most cruise lines often does not waive pre-existing conditions.