Travel Insurance and Pre-existing condition???

hazelson · July 27, 2008

How long is a pec actually considered a pec.

The doctor says I can't get coverage until four months after my TIA (stroke). Does that mean (once it is under control and I don't have another one) that I can get cancellation and medical insurance that will cover me if I have another one after we have booked and bought insurance?

Thanks for any info.

JoeyandDavid · July 27, 2008

The doctor says I can't get coverage until four months after my TIA (stroke). Does that mean (once it is under control and I don't have another one) that I can get cancellation and medical insurance that will cover me if I have another one after we have booked and bought insurance?
Thanks for any info.

I would say yes..... but to be on the safe side your will have to do your due diligence and read the "fine" print.. one policy will cover you and another won't it all depends on the underwriter..

hazelson · July 27, 2008

Thanks Joey.

I was reading that some won't honor their coverage if the doctor has asked for recent tests or changed medications.

JoeyandDavid · July 27, 2008

Thanks Joey.
I was reading that some won't honor their coverage if the doctor has asked for recent tests or changed medications.

I had no idea it was also in regards to tests or a change of medications(same diagnosis just different meds)..I thought it was just for "NEW" conditions

hazelson · July 27, 2008

Guess I need to invest in a magnifying glass :rolleyes2:

55ChevyLady · July 28, 2008

when I was looking into insurances most of them quoted me 180 days (6 months) , some 4 months...but I just finally went with Carnival because that is who I used before and it was easier. my PVP TOLD me there was no time period on PEC, but I never read the fine print! I just bought it well in advance!

zebra · July 28, 2008

I also wasn't aware about there being a time period. As I have a PEC all I know is that I have to purchase my insurance when I make the booking for it to be valid. Maybe you should ask John..... he's the cruise travel agent/travel authority around here.

hazelson · July 28, 2008

So you lose what you paid for insurance if you cancel before you make your full payment? Sounds like a win/win for the insurance company :unsure:

Suzila · July 28, 2008

When you buy travel insurance, do they ever check first to find out if you have a PEC? We had travel insurance for a cruise a number of years ago, and my son had had a number of episodes with collapsed lung. Unfortunately, he had another one about 3 days before we were leave on the cruise and we had to cancel. The insurance company never questioned us, we received all the money back we had paid for the trip.

Joanandjoe · July 28, 2008

So you lose what you paid for insurance if you cancel before you make your full payment? Sounds like a win/win for the insurance company

Which is why we've been using CSA, which (for some of its policies) waives pre existing conditions if the insurance is purchased within 24 hours after FINAL payment.

I understand that there are other insurance policies that will refund your insurance cost if you have a claim. We haven't found or tried such insurance.

Needless to say, you pay more for this type of flexibility than for insurance that waives PECs only if you buy when you make your initial payment; but the extra cost isn't all that much.