Question about medical cancelation

Ok I have a question about how a medical cancellation works. It's not for me and my cruise, but for my husband and a golf trip he has planned in a few months.

We have a annual policy for travel insurance that covers all of our trips. It includes cancelation for medical reasons. Now my question is what exactly does cancel for medical reasons usually cover? I've read the policy and it's kind of vague.

Without getting into specifics, my husband has recently had some medical issues and is going to see a specialist next week. If he ends up having one of the conditions our doctors suspects it's a life long condition.

He has a golf trip planned in a few months that he planned and purchased things like his flights months ago, long before these issues began. Now if the specialist confirms our doctors suspicion we have a dilemma. He could be well enough to travel by then if it's under control. However, he would now be considered to have a pre-existing condition that's not stable (hasn't been 180 days since diagnosed). So if he has any issues while he's away he would not be covered by any of our travel medical policies (we have 2, one through our work benefits, and our annual insurance also tops that up).

As he would be traveling out of country this would be a huge concern for us. And he doesn't want to take a chance. He doesn't want to have to find another pricey policy that wouldn't have pre-existing conditions exemptions.

Any idea if our cancellation for medical reasons would cover something like this?

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Ok I have a question about how a medical cancellation works. It's not for me and my cruise, but for my husband and a golf trip he has planned in a few months.

 

We have a annual policy for travel insurance that covers all of our trips. It includes cancelation for medical reasons. Now my question is what exactly does cancel for medical reasons usually cover? I've read the policy and it's kind of vague.

 

Without getting into specifics, my husband has recently had some medical issues and is going to see a specialist next week. If he ends up having one of the conditions our doctors suspects it's a life long condition.

 

He has a golf trip planned in a few months that he planned and purchased things like his flights months ago, long before these issues began. Now if the specialist confirms our doctors suspicion we have a dilemma. He could be well enough to travel by then if it's under control. However, he would now be considered to have a pre-existing condition that's not stable (hasn't been 180 days since diagnosed). So if he has any issues while he's away he would not be covered by any of our travel medical policies (we have 2, one through our work benefits, and our annual insurance also tops that up).

 

As he would be traveling out of country this would be a huge concern for us. And he doesn't want to take a chance. He doesn't want to have to find another pricey policy that wouldn't have pre-existing conditions exemptions.

 

Any idea if our cancellation for medical reasons would cover something like this?

 

 

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You'll need to read your policy carefully.

Unless there is relatively standard policy types in Canada, none of us here will have a clue what your policy covers, how it is worded, etc.

And the medical situation is not clear, but it's not worth going into much here, given we haven't a clue what your policy is.

But IF the medical condition of concern now is NOT related to his previous/pre-existing medical conditions, that might not be a problem. MIGHT not; we can't tell.

But also keep in mind that most insurers will try to claim that a condition IS related to something pre-existing if the medical records seem consistent with that. We only get coverage that has no exclusion for pre-existing conditions for just this reason. At our ages, we have a few assorted 'issues'. This way, there's no reason for the insurer to even check about whether it's linked or not.

Hopefully, the medical appointment next week will have good news!

GC

I've read the policy and it just mentions cancelation due to illness or injury. It's not very specific.

If the specialist does confirm one of the things our family dr suspects then he would be considered to have a pre-existing condition at the time he travels. He did not have one at the time the trip was booked.

So I guess I'm wondering if he has to be unable to travel in order to cancel and be covered. Or is the change in his health and now inability to be covered by our policy enough to be reimbursed?

If it's not covered it's not the end of the world. He's only paid about $700 upfront. It's still a significant amount but it's not like the money we spend on a family vacation.

I was just wondering if anyone had experience with a situation like this.

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I've read the policy and it just mentions cancelation due to illness or injury. It's not very specific.

 

If the specialist does confirm one of the things our family dr suspects then he would be considered to have a pre-existing condition at the time he travels. He did not have one at the time the trip was booked.

 

So I guess I'm wondering if he has to be unable to travel in order to cancel and be covered. Or is the change in his health and now inability to be covered by our policy enough to be reimbursed?

 

If it's not covered it's not the end of the world. He's only paid about $700 upfront. It's still a significant amount but it's not like the money we spend on a family vacation.

 

I was just wondering if anyone had experience with a situation like this.

 

 

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You *really* need to check with the insurer for your specific policy.

IF I am understanding it, and *all* of the medical situation occurred *after* booking and after starting the insurance coverage, then it very well might not be consider "pre"-existing.

But it ALL depends on exactly how YOUR policy is worded. There may be other "fine print" beyond the general wording you just wrote.

They are the ones to tell you if it is covered or not.

Many of us are here in the USA, and the policies here could be very different.

Whatever "we" tell you won't matter. It is up to the insurer, per the specifics of your policy, and there isn't any way around that.

GC