twentyknots Posted September 17, 2013 #1 Share Posted September 17, 2013 We'll be cruising on Oct 6 and had looked forward to seeing another couple we met on a cruise last year. The husband of the couple called today to let me know that he has serious doubts about being able to make the cruise. He has neck, shoulder, and arm pain from a problem originating in his neck. The doctor thinks it might be a pinched nerve from a bulging disc or vertebrae pinching the nerve. He has been taking meds for several weeks and has begun physical therapy but the situation has not yet improved. He said if he were cruising in the next few days he could not go. He is still hopeful his condition will improve enough in the next 2 weeks to allow him to go. He purchased travel insurance on July 19 without pre-existing coverage. He has never had this problem before. He's had lower back problems for many years, but never problems in the upper back or neck. His 1st visit to the doctor for this problem was July 25. My questions are these: If he decides he can't go, does he ask his doctor to write him a letter saying that he is not fit for the cruise? When does he cancel? 1,2, 3 days before? If the neck problem began before the insurance was purchased, would that be pre-existing, or does the definition of pre-existing depend on a doctor's official diagnosis? He bought the insurance on July 19 and went to the doctor on July 25. I asked him how long he had been in pain before he went to the doctor but he doesn't remember exactly. He thinks maybe a week or two before the doctor's appointment. Link to comment Share on other sites More sharing options...
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