Babr

https://affinitytravelcert.com/document/pdfs/Carnival_Generic_05_23.pdf According to language in the policy, it is reasonable to expect that the claim would be denied. See page three. It keeps people from trying to get the benefit at the last minute after they discover a problem that would cause cancellation. Insurance is for unforeseen events.

The dollar limit is a downgrade, but the other terms have always been in place. The pre-existing conditions exclusion extends even to non-traveling family members. Trip Delay is only $500 for Common Carrier delay caused by equipment failure, weather, or strike. Trip Interruption will reimburse the unused portion of the trip but covers only exchange fees for the flight home. If you have to buy a more expensive ticket, it is not covered. Thanks for posting the new terms. Most people - including some who depend on Chase coverage - do not understand how it works or that it was never intended to replace a comprehensive travel policy. It is just part of a group of benefits in exchange for the annual fee.

Only if they are stable. Something as simple as a prescription change can trigger the exclusion if it contributes to a subsequent claim.

Didn’t you see this coming? Celebrity paid for a lot of private jet rides, hotels, and meals during COVID to get people home or to reimburse quarantine expenses.

Maybe you specifically want the Celebrity Cruise Care because it also offers CFAR coverage, but if you are just concerned about covering pre-existing conditions, it might be useful to know there are third-party policies that allow the waiver at final payment. CSA, Generali, and IMG LX are a few that come to mind. You could still be protected without having any money at risk until final payment.

Carnival’s travel protection plan excludes pre-existing conditions. Any waiver that you might have gotten requires purchase of the policy in a narrowly defined time window. It is not likely that you can buy any insurance now that will cover a known condition.

The cost of travel insurance is determined at least in part by age, amount insured, and length of travel. Also, insurance is a regulated industry so you are not likely to see much variation in premiums for similar coverage. At age 80, it won’t be “reasonably priced” if you mean inexpensive. Be sure you understand the definition of pre-existing conditions as applied by insurance companies before you decide you don’t need the coverage. If you file a claim, your medical records will be examined for a specified number of days preceding the effective date the policy. Anything contributing to the cause of your claim will be used as a basis for denial without a pre-existing conditions waiver. What provisions does your cruise line require in order for a policy to be considered “cruise insurance” as opposed to a standard comprehensive travel policy?

The key words “covered reasons” suggest it does not cover CFAR situations; nevertheless, I’d ask to be sure. I’d also ask if “monetary value” means the amount you actually paid as cruise fare or does it also include the value of any bonus, incentive, or goodwill vouchers granted by the cruise line. Third-party policies do not insure excess value. Does TripMate?

Indeed. Moving the cruise to another date does not reset the initial deposit date. In that case, the heart condition would likely still be considered a pre-existing condition. In order to avoid that, they’d have to get a cash refund and start over with an entirely new booking. I should have said the patient would be eligible to insure subsequent cruises once he has recovered and is stable.

I think that’s correct. Once the patient has been released, and the condition is stable, then he’d be eligible for coverage.

Not if you are still undergoing treatment.

None of them cover pre-existing conditions.

Only if it is not determined to be a pre-existing condition. The insurance company will examine medical records for 60 days prior to initial deposit. Any treatment for something seen as contributing to current issue could result in denial of claim.

Do the other people in the cabin have insurance? If so, then everyone will be made whole when your family member cancels. That is why you buy insurance. She will not be refunded as a no-show except for taxes and port fees. I am not aware of any program that refunds caregivers, though I am happy to know the opportunity has arrived and wish them well.

You’re correct that stable conditions are not counted, but any change in symptoms or prescriptions can trigger the exclusion. Remember also that the exclusion applies to not only you but also your traveling companion and immediate family members of both even if they are not traveling with you. That is a lot of people to query about their health before you book a trip; however, if any of them falls ill and causes you to cancel, the claim will be denied.

But your credit card does not cover pre-existing conditions. There is a look-back of probably 60 days depending on which card you have. They will examine your medical records for that period prior to booking to see if there is anything related to your reason for cancellation.

Since Allianz designates its entire benefit as Emergency Medical/Dental, there does not appear to be any exclusion in this provision for pre-existing conditions. As you say, coverage up to policy limits as described on the declarations page for your policy is provided if the policy is purchased in a timely manner. It appears you chose the $2,000 coverage limit.

To be clear, pre-existing conditions are not covered unless the policy is purchased in a timely manner. That includes medical as well. You’d still get emergency care - and baggage delay.

The dollar amount is not the issue. The question is whether pre-existing conditions are covered at all. If you purchased the policy within 14 days of the initial deposit on a trip or at any time during the coverage period, you are covered. If you already had several trips booked before you bought the policy, pre-existing conditions are not covered for cancellation, interruption, or medical.

In this case it applies to family members as well - something to consider if you have parents who are being treated for something. Look for that language in any policy you might buy even if you do not think you need it for yourselves. And remember the insurance company will examine your medical records for a defined number of days prior to the effective date of the policy to see if there is anything related to your reason for cancellation or interruption.

Pre-existing conditions applies to all provisions, not just medical. If you have to cancel or interrupt your trip because of a pre-existing condition, your claim will be denied.

You or family members won’t be covered for pre-existing conditions if the trips are already booked. You have to book them during the coverage period unless you purchased the policy within 14 days of the first deposit.

The All Trips Premier offers four levels of coverage which have always been the policy cap depending on which one you choose. You can take as many trips as you want costing as much as you are willing to spend, but you are covered only for the maximum scheduled benefit per year. The highest option is $15,000. When you have consumed that amount, you are done whether it is one claim or several.

I read the policy, and the language seems to be the same as other comprehensive policies, including those with hospital-of-choice provisions. All of them will get you the needed care - even an air ambulance if deemed medically necessary. The difference is that hospital-of-choice will transport you to any hospital not just one near your home as long as the facility will accept you and you can survive the flight.

If I may - CSA, Generali, and IMG all offer plans that allow the waiver if purchased before or within 24 hours of final payment. Be careful if you have ill family members who are not traveling with you but may cause you to cancel if need to care for them. Not all of these will cover them. CSA Freestyle does not extend the waiver to non-traveling family members. IMG LX does. Also be sure to check for other requirements of the policy such as insuring all non-refundable expenses or being able to travel at the time of purchase.