Posted April 23rd, 2018, 10:14 AM
Just looking at our policy. It has 2 effective dates. The day after we bought the policy (December 2017) is the effective date for trip cancellation, and the effective date for "other benefits" is the future day we designated as the first day of our trip in August 2018.
Does this mean the start of the 180 day lookback period is not until we are scheduled to start the trip? So, anything diagnosed in the six months before August will be considered pre-existing?
I find this stuff so very confusing.
First, you MUST read all the fine print of YOUR policy.
None of us can know exactly how your particular policy is worded.
We also get policies within 20 days (for out type) of first deposit, so that we get that essential waiver of the exclusion of pre-existing conditions.
But think about the "travel date". Prior to that, you might need to cancel the trip.
But prior to that, you can't incur medical costs DURING travel/after you've left home.
Likewise, you wouldn't need transportation home, or reimbursement for delays.
Nothing will be happening until the travel date.
That's my guess about why you are seeing that other "effective date".
And it sounds like your policy does NOT have an overall waiver of exclusion of pre-existing conditions, but rather, they use the "look-back" (these look-back periods can differ).
The reason we would never use a polity like that is that the way the "look-back" period and criteria are usually written, it seems too easy for something to be linked to something "pre-existing".
OTOH, the way some of those seem to be written, if there has been no change in any medication, no visits to doctors (and no need to visit a doctor/seek medical care), etc., within the look-back period at time of deposit, then it should be okay.
(But I wouldn't want to fight an insurer who tries to claim something about a pre-existing condtion, and then searches all medical records or such. Another nice feature of the waiver is that should there be a medical claim, the insurer won't need to look at any medical records, and we think this is one reason why our claims were paid so promptly.)
Again, *read* your policy, and prehaps call the insurer or insurance broker to make sure you understand your specific policy.
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