Posted May 3rd, 2018, 09:44 AM
Generally a chronic condition that is stable with medication is not an excludable pre-existing condition. In most policies the definition of pre-existing condition is one that has required treatment by a physician for an acute onset/recurrence/episode of serious symptoms during the specified lookback period.
Now if your issue is that your policy was sold as waiving any lookback period (thus eliminating the possibility of denying a claim based on any pre-existing condition)--the only way to learn whether this is correct is to read your policy. You cannot rely on any verbal reassurances or statements of policy from a phone representative.
Cruise Critic has a board for discussion of cruise insurance where you have a far better chance of a response from someone familiar with, or who regularly buys, this provider's policies:
Strongly agree about NOT relying on any verbal assurances/explanations/etc.
Ask them to point you to the exact place in YOUR policy where it states what they are claiming.
And *read* your policy.
It should be clear what is covered.
(If something isn't stated, then chances are good it's not covered...)
ALL that matters is what is stated in your specific policy, and nothing else.
We always use an insurance broker (www.TripInsuranceStore.com
- and there are others) so that they can explain the pros/cons of different policies and even different insurers.
And yes, they'll point to the specific wording of the specific policy to answer specific questions when appropriate.
contact us at:
GeezerCouple [at] yahoo [dot] com