Pre existing condition on protection plan

When I booked our cruise in Feb for 4/29/18 I asked for the insurance and my PVP added it but said I did not have to pay for it until final payment. My husband has developed a cyst on his spine and will be having surgery 3/13. That gives him 6 weeks for recovery. I started checking on the insurance in the event we would have to cancel. There is a very confusing line about 60 days prior to purchasing the ins and a diagnosis. I called and was told as long as it was not a previous condition we should be ok. I paid for the insurance 12/10. He was diagnosed in November. Any thoughts on this?

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The person you spoke to on the phone is not an insurance specialist.

They just sell cruises.

IF the look back period for pre existing conditions is 60 days that means your husband's diagnosis falls within that period. IF the policy does not cover pre existing conditions then his will not be covered either since it "pre exists" the look back period.

When did you add the insurance? When you booked in Feb 2017 or at a later time?

It is confusing to read that you "added" insurance when you booked in February but you didn't actually pay for it.

I am not aware of being able to use insurance that has not been purchased(paid for)

When I booked our cruise in Feb for 4/29/18 I asked for the insurance and my PVP added it but said I did not have to pay for it until final payment. My husband has developed a cyst on his spine and will be having surgery 3/13. That gives him 6 weeks for recovery. I started checking on the insurance in the event we would have to cancel. There is a very confusing line about 60 days prior to purchasing the ins and a diagnosis. I called and was told as long as it was not a previous condition we should be ok. I paid for the insurance 12/10. He was diagnosed in November. Any thoughts on this?

 

 

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Number one, your PVP is a sales person, who gets bonuses for selling add-ons. They are not the insurance company. You bought the insurance 2 days ago, after you known about the condition. Therefore, the insurance should not pay you for anything. So insurance is non-refundable most likely, so you just wasted that money. Now, go ahead and cancel your cruise, submit a claim, and hope for the best.

Number one, your PVP is a sales person, who gets bonuses for selling add-ons. They are not the insurance company. You bought the insurance 2 days ago, after you known about the condition. Therefore, the insurance should not pay you for anything. So insurance is non-refundable most likely, so you just wasted that money. Now, go ahead and cancel your cruise, submit a claim, and hope for the best.

Hoping we won’t have to cancel. Final payment not due till 1/29. Lesson learned I guess!

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When did you add the insurance? When you booked in Feb 2017 or at a later time?

Added it at time of booking but PVP said did not have to pay for it until final pymt.

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Diagnosed in November and waiting until mid March for surgery? Yikes!

Not sure how Carnival insurance works. I always get mine through a third party like Nationwide Choice Cruise. Pretty sure you would have been covered with that one had you bought and paid for it.

The question is when you "added" it but did not actually pay for it ,did the insurance go into effect? I don't think so but only the insurance company can really answer that question.

The question is when you "added" it but did not actually pay for it ,did the insurance go into effect? I don't think so but only the insurance company can really answer that question.

Don’t think so should have gone ahead and paid for it when booked.

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