I'm getting worried............

[karinad]

Here's my problem: We're cruising on Oct. 19 on the Emerald. We had to make final payment on July 29. I bought travel ins. with TrueTravel on Insuremytrip on July 30. 2days later I got an old familiar pain down my leg bad enough to call a chiroprator. I had back surgery for a herniated disc 10 yrs ago and no treatment since. After a couple treatments with him I started to get severe spasms. I was going for a scheduled regular appt to my MD and asked her to order an MRI. The MRI showed a few herniated discs, arthritis, etc., and they're sending me to a Spine Specialist/Pain Management. I have no idea what he'll advise. My appt. is this Friday.

 

Here's my other problem: I was going to start a new job after being off work for nearly 2 yrs. My boss died suddenly Aug. 2008, and June 2009, my young daughter died suddenly. I don't need to explain why I haven't sought a job this past yr. My new job would've started yesterday, but I could hardly walk. My new employer, who is a doll, told me that whenever I'm better the job will be there. How fortunate is that, plus she knows my past. The cruise was booked before the job. Sorry this is long, but it helps to know the details. We NEED this cruise(me & dh), but??? If I'm advised to get the injections and they help, I'll be ok, however, surgery, maybe not so much.

 

There was not a pre-existing option to take on the insurance. We had to cancel our cruise last June that we were taking our daughter on and had no problem with the trip insurance. Am I going to have a problem if I can't go? What is a pre-exsiting condition?

 

I hope this isn't to confusing, Thank you so much for any input or experience!

[cruiseco]

Here's my problem: We're cruising on Oct. 19 on the Emerald. We had to make final payment on July 29. I bought travel ins. with TrueTravel on Insuremytrip on July 30. 2days later I got an old familiar pain down my leg bad enough to call a chiroprator. I had back surgery for a herniated disc 10 yrs ago and no treatment since. After a couple treatments with him I started to get severe spasms. I was going for a scheduled regular appt to my MD and asked her to order an MRI. The MRI showed a few herniated discs, arthritis, etc., and they're sending me to a Spine Specialist/Pain Management. I have no idea what he'll advise. My appt. is this Friday.

 

Here's my other problem: I was going to start a new job after being off work for nearly 2 yrs. My boss died suddenly Aug. 2008, and June 2009, my young daughter died suddenly. I don't need to explain why I haven't sought a job this past yr. My new job would've started yesterday, but I could hardly walk. My new employer, who is a doll, told me that whenever I'm better the job will be there. How fortunate is that, plus she knows my past. The cruise was booked before the job. Sorry this is long, but it helps to know the details. We NEED this cruise(me & dh), but??? If I'm advised to get the injections and they help, I'll be ok, however, surgery, maybe not so much.

 

There was not a pre-existing option to take on the insurance. We had to cancel our cruise last June that we were taking our daughter on and had no problem with the trip insurance. Am I going to have a problem if I can't go? What is a pre-exsiting condition?

 

I hope this isn't to confusing, Thank you so much for any input or experience!

 

A pre-existing condition is whatever the insurer says it is in the plan's description of coverage (the fine print). What may be a pre-ex condition for one plan may not be for another.

 

With TruTravel the definition is:

 

"Pre-Existing Condition means any injury, sickness or condition of You, or Your Traveling Companion for which within the sixty (60) day period prior to the effective date of Trip Cancellation coverage under the Group Policy (a) first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; (b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or © required medical treatment or treatment was recommended by a Physician."

 

If the symptoms didn't occur until after the policy was purchased and there were no symptoms in the 60 days period prior to purchase then this shouldn't be considered to be "pre-existing".

 

You said "There was not a pre-existing option to take on the insurance.". The following is from the cheapest TruTravel plan (Super Saver) and it includes the following waiver of the pre-existing condition exclusion:

 

"The Pre-Existing Conditions exclusion is waived for You if You enroll in the Group Policy at the time You pay the deposit required for the Covered Trip (or within 21 days of the initial deposit) and You purchase the coverage under the Group Policy for the full cost of the Covered Trip."

 

Don't worry about the "group policy" wording. It's a technical thing -- even though you've bought a policy just for yourselves the plan is set up as an overall group policy. Several insurers do this.

 

If you met these conditions (sounds like you're OK on the 21 day part, don't know if you insured 100% of your trip cost) then the waiver is included in the premium you paid -- there's no "option" that would have been chosen.

 

Once you've seen the doctor, and if he/she says you need surgery, you need to decide pretty quickly if you are going to cancel or not. If you wait until the penalties creep up you'd only be reimbursed for the penalties in place at the time the need to cancel was discovered.

[sirwired]

Since the symptoms occurred after your policy purchase and it hadn't flared up for years, you should be covered. However, since they occurred so close to the purchase date, I can almost guarantee some hoops to jump through to get any claim paid.

 

If you were an insurance company, I'm sure you'd be suspicious too...

 

I'm not saying your claim will be denied and you'll have to sue somebody, just that there are probably going to be more requests for documentation, affadavits, etc., than there would be otherwise.

 

NOTE: Look at your policy and double-check the policy effective date. It's usually midnight the day the policy was purchased or the day after. I hope your symptoms occurred after that point.

 

SirWired

[cuyahoga11]

A pre-existing condition is whatever the insurer says it is in the plan's description of coverage (the fine print). What may be a pre-ex condition for one plan may not be for another.

 

With TruTravel the definition is:

 

"Pre-Existing Condition means any injury, sickness or condition of You, or Your Traveling Companion for which within the sixty (60) day period prior to the effective date of Trip Cancellation coverage under the Group Policy (a) first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; (b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or © required medical treatment or treatment was recommended by a Physician."

 

If the symptoms didn't occur until after the policy was purchased and there were no symptoms in the 60 days period prior to purchase then this shouldn't be considered to be "pre-existing".

 

You said "There was not a pre-existing option to take on the insurance.". The following is from the cheapest TruTravel plan (Super Saver) and it includes the following waiver of the pre-existing condition exclusion:

 

"The Pre-Existing Conditions exclusion is waived for You if You enroll in the Group Policy at the time You pay the deposit required for the Covered Trip (or within 21 days of the initial deposit) and You purchase the coverage under the Group Policy for the full cost of the Covered Trip."

 

Don't worry about the "group policy" wording. It's a technical thing -- even though you've bought a policy just for yourselves the plan is set up as an overall group policy. Several insurers do this.

 

If you met these conditions (sounds like you're OK on the 21 day part, don't know if you insured 100% of your trip cost) then the waiver is included in the premium you paid -- there's no "option" that would have been chosen.

 

Once you've seen the doctor, and if he/she says you need surgery, you need to decide pretty quickly if you are going to cancel or not. If you wait until the penalties creep up you'd only be reimbursed for the penalties in place at the time the need to cancel was discovered.

 

Doesnt it have to be 21 days after the deposit, not after the final payment?

[cruiseco]

Doesnt it have to be 21 days after the deposit, not after the final payment?

 

I misread the original post. -- thought they made only one deposit/final payment. If so, the OP was probably past the time period to be eligible for the waiver.

[karinad]

Thanks! I just hope we could go! If I had injured or symtoms before final payment, I wouldn't have gone ahead. That's why we buy insurance, in case the unexpected happens. I didn't see any doctor for 11 months before, (except my gyn). No new medicines either, no sickeness etc.