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Old February 5th, 2012, 12:15 PM
4lifeinnh 4lifeinnh is offline
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Join Date: Dec 2008
Location: NH
Posts: 29
Default surprised pre-existing cond included

I am 48, my DM is 77. We are cruising in May and I put a dep down on 1/30. I went to squaremouth on 2/4 to look for insurance. I was pleasantly surprised to see that buying insurance so close to the dep date, many companies include coverage for pre-existing conditions at no extra cost. This saved me $$ on my DM's coverage. But read what's covered as some companies do not include it. Just an FYI. BTW, squaremouth was great. Called them and they were very helpful.

NCL SKY 5/15/09 First Cruise
Carnival Imagination 4/30/12

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Old February 5th, 2012, 12:21 PM
6rugrats 6rugrats is offline
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Join Date: Feb 2007
Posts: 13,839

To be able to have "pre-existing condition" coverage, most companies require you to purchase the insurance policy within a set number of days from the date you made the inital payment for your trip (usually 14-21 days).

So, as long as you were medically fit for travel the date you purchased the policy, and it was within this time period, it doesn't matter what the date of your cruise is.
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Old February 9th, 2012, 01:14 AM
mellerswa mellerswa is offline
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Join Date: Feb 2012
Location: Washington
Posts: 180

You are absolutely right, however, if you waited (but not too long), TravelInsured's Worldwide Trip Protector Gold will let you get free pre-existing coverage at 30 days.
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