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Is pregnancy a pre-existing condition for cruise insurance?

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I would imagine that it would depend on the insurance carrier!


Every insurance carrier uses "pre-existing condition" at the drop of a hat if they can avoid paying. I'd check it out really carefully.


Fran in Toronto

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I work in the health insurance (but not travel insurance) business. A pregancy that exists on the date of an insurance application is considered a pre-existing condition in our industry.


Is that for pregnancies you are aware of? What if you are pregnant but don't know?


Just courious?

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The term "pre-existing" applies to illnesses and injuries. The travel insurers do not consider pregnancy to be an illness -- it's something you voluntarily chose to have happen -- and thus can't be pre-existing.


You would only be able to cancel your trip if some unforseeable complication of the pregnancy is deemed by your doctor to be serious enough that you can't travel. But the other normal, foreseeable effects of pregnancy would not be enough to be covered. Throwing up every morning? Too bad.

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