Pre-Exisiting Look Back Period - Part Deux

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#1
4,328 Posts
Joined Feb 2004
On the upcoming cruises we did not purchase insurance at time of booking. So in looking at lookback periods, I noticed something interesting.

The lookback period effective date, in all policies I reviewed, is DIFFERENT from the cancellation period effective date.

I looked at half a dozen major policies and the look back period for pre-existing effective date was the first day of travel NOT the date of purchase, which is the effective date for cancellation insurance.

So basically on a cruise in which final payment is due 90 days prior to embarkation, the look-back period includes that future 90 days when you purchase on or around final payment. This means, basically, that if you have any condition discovered in that 90 days that might need treatment while on the cruise, you should cancel to avoid the potential argument over pre-existing.

Yes, there are a couple of policies that offer the pre-existing waiver if you purchase on final payment, but they have other warts as well such as secondary medical and lower coverages.

Just wondered if anyone else's interpretation of this is similar to mine?
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Upcoming Cruises:

Coral Princess - 60 Day Circle The Pacific - 09/19/2018

Pacific Princess - World Cruise - R/T LA - 01/20/2019

Ruby Princess - South Pacific - R/T SYD - 03/21/2020
Ruby Princess - SYD to LA - 04/05/2020

Past Cruises (All Princess):

Diamond - Asia 03/22/2018; Diamond - AUS/NZ 03/10/2018; Diamond - Tasmania 03/02/2018; Island - Panama 10/12/2017; Island - Panama 9/23/2017; Island - Coastal 9/20/2017; Emerald - Scandinavia 07/02/2016; Emerald - Norway 06/18/2016; Emerald - Baltic 06/04/2016; Crown - Tahiti 10/17/2015; Golden - Alaska 6/1/15; Golden - Alaska 5/22/15; Ruby - Western Carib 12/13/14; Ruby - Eastern Carib 12/06/14; Ruby - Eastern Carib 11/29/14; Grand -Mexican Riviera 03/05/14; Grand -California Coastal 03/15/14; Grand -Hawaii 03/22/14; Ruby -Transatlantic 11-29-2013; Ruby -Grand Med 11-17-13; Ruby -Eastern Med 11-05-13; Ruby -Eastern Med 10-24-13; Caribbean -British Isles 05-12-13; Caribbean -TransAtlantic 04-27-13;Diamond -Asia/Alaska 04-15-12; Grand -Western Med 10-21-11; Golden -Hawaii 04-27-11; Emerald -Caribbean Combo 11-28-10; Star -Antarctica 02-02-10; Golden -Hawaii 9-27-09; Golden -Pacific Coastal 9-19-09; Grand -Caribbean Collection 3-27-09; Dawn -Mexican Riviera 4-27-08; Island -Panama Canal 2-06-08; Golden -Mexican Riviera 9-29-07; Golden -Pacific Coastal 9-23-07; Caribbean -E. Caribbean 04-29-07; Star -W. Caribbean 04-21-07; Dawn -Mexican Riviera 12-1-06; Island -Alaska 5-22-06; Island -Alaska 5-15-06; Dawn -Mexico 10-2005; Sun -Eastern Caribbean 4-2005; Star -Western Caribbean 12-2004; Island -Panama Canal 1-2004; Sea -Mexico 1-2002; Ocean -Alaska 6-2001
#2
New Port Richey FL
558 Posts
Joined Jan 2003
Yes, I believe you are correct. We had a trip booked and a serious medical issue arose between the purchase of insurance and final payment. When I checked our policy carefully, the "effective date for all other coverages" (except cancellation) was the first date of travel, NOT date of purchase.

I had goofed and put in $0 cost - wanting to insure only medical and evacuation - and to my chagrin learned that $0 cost invalidated the pre-existing condition coverage. If I had put in $1 we would have been covered! We have cancelled the trip and have lost the insurance premium.

I think trip insurance is a minefield of gotchas!
#3
USA
3,111 Posts
Joined Aug 2013
Originally posted by LDVinNC
Yes, I believe you are correct. We had a trip booked and a serious medical issue arose between the purchase of insurance and final payment. When I checked our policy carefully, the "effective date for all other coverages" (except cancellation) was the first date of travel, NOT date of purchase.

I had goofed and put in $0 cost - wanting to insure only medical and evacuation - and to my chagrin learned that $0 cost invalidated the pre-existing condition coverage. If I had put in $1 we would have been covered! We have cancelled the trip and have lost the insurance premium.

I think trip insurance is a minefield of gotchas!
Some travel insurance policies (e.g., ours with Travel Insured) allow one to transfer the policy ONCE to another trip, within some specified period of time (maybe 1 year? I forget.).

But there cannot have been any claim or loss.

You might want to double check if your policy has this feature.

GC
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#4
New Port Richey FL
558 Posts
Joined Jan 2003
Thanks for the suggestion - but it'll be a while before we can plan another trip. And, maybe with that $0 trip cost that particular policy might not cover PEC even if transferred, Fortunately it is only a loss off $106.
#5
625 Posts
Joined Apr 2005
I know I’m late to the party, but I just found this thread while browsing through the topics on this thread.

It started me thinking. Wow! I didn’t know that was the way it worked.

So I went to insuremytrip to read the certificate of a random policy - just one - not a full on research project, but I’m quessing the language is standard.

Here is what I found.

Effective date is defined as something like - not quoting exactly - 12:01 PM on the day after the company receives payment. Cancellation coverage begins on the effective date.

The look-back period for pre-existing conditions is based on the effective date. For this policy it was 60 days prior to the effective date, but it varies to as much a 180 days. So if you had to cancel for a medical reason, the company would look at your medical history for the defined period. If your history is clear or not related to the reason for cancellation, you are covered.

A new medical condition that arises after the effective date is not pre-existing because it did not exist before your coverage began. You can cancel or even If you have to file a claim for an illness while traveling, the look back is still based on the effective date, and I found only one definition for that.

It does go on to say that all other coverage (besides cancellation) begins on the day of travel. That seems rather obvious. You are not covered for other hazards until you actually start your trip.

There are lots of knowledgable people on this forum, and many of them have first-hand experience. If I have mispoken, please chime in.
#6
USA
3,111 Posts
Joined Aug 2013
Originally posted by Babr
I know I’m late to the party, but I just found this thread while browsing through the topics on this thread.

It started me thinking. Wow! I didn’t know that was the way it worked.

So I went to insuremytrip to read the certificate of a random policy - just one - not a full on research project, but I’m quessing the language is standard.

Here is what I found.

Effective date is defined as something like - not quoting exactly - 12:01 PM on the day after the company receives payment. Cancellation coverage begins on the effective date.

The look-back period for pre-existing conditions is based on the effective date. For this policy it was 60 days prior to the effective date, but it varies to as much a 180 days. So if you had to cancel for a medical reason, the company would look at your medical history for the defined period. If your history is clear or not related to the reason for cancellation, you are covered.

A new medical condition that arises after the effective date is not pre-existing because it did not exist before your coverage began. You can cancel or even If you have to file a claim for an illness while traveling, the look back is still based on the effective date, and I found only one definition for that.

It does go on to say that all other coverage (besides cancellation) begins on the day of travel. That seems rather obvious. You are not covered for other hazards until you actually start your trip.

There are lots of knowledgable people on this forum, and many of them have first-hand experience. If I have mispoken, please chime in.
This is actually similar to how *we* have always understood the coverage. I just looked again, and it says:

"“Pre-Existing Condition” means an illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective..."

and

"Coverage begins at 12:01 a.m. on the day after the date the appropriate premium for this Policy for Your Trip is received by the Company or its authorized representative prior to the scheduled departure time on the Scheduled Departure Date of Your Trip. This is Your “Effective Date”"
[bolding added]

Basically, as we understand it, once you have paid and you and the insurer are "locked in", there are no additional pre-existing conditions. IF something then happens health-wise, well, that's why one took out the travel insurance...
And it can't cover anything prior to payment, as that's sort of like knowing the house has a little fire in the corner, so 'time to get insurance...", etc.

BUT CHECK THE TERMS OF *YOUR* SPECIFIC POLICY!

GC
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#7
625 Posts
Joined Apr 2005
Thanks for the confirmation.

I think the OP was confused by the language that describes when the coverage kicks in. Those are different, but there is only one effective date for look back.
#8
USA
3,111 Posts
Joined Aug 2013
Right.

If OP is reading, perhaps you could post the *exact quotes* and name the policy (perhaps give a link)?

For all we know, there *are* policies that are something like what OP posted, although it doesn't quite make sense... how helpful is some "pre-existing condition" coverage would be the way OP described it - which was, of course OP's point!
That *would* be important to realize!

GC
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#9
4,328 Posts
Joined Feb 2004
No problem. Let me show you a couple of examples from the actual insurance certificates.

Travelex:

When Coverage Begins
Trip Cancellation and Cancel for Any Reason coverage will be effective at 12:01
a.m. (Standard Time) on the date following payment to the Company of any
required plan cost.

Car Rental Collision coverage will take effect when the Insured signs the rental
agreement and takes possession of the rental vehicle provided the required
plan cost has been paid on or before the date the rental agreement has been
signed.
All other coverages will begin on the later of:
(a) 12:01 a.m. (Standard Time) on the scheduled Departure Date shown on
the travel documents; or
(b) the date and time the Insured starts his/her Trip.


(l) PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Company will
not pay for any loss or expense incurred as the result of an Injury,
Sickness or other condition (excluding any condition from which death
ensues) of an Insured, Traveling Companion, Business Partner or
Family Member which, within the 60 day period immediately preceding
and including the Insured’s coverage effective date caused the
individual to incur charges, receive medical treatment, consult a health
professional or take prescription drugs.
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Pacific Princess - World Cruise - R/T LA - 01/20/2019

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Past Cruises (All Princess):

Diamond - Asia 03/22/2018; Diamond - AUS/NZ 03/10/2018; Diamond - Tasmania 03/02/2018; Island - Panama 10/12/2017; Island - Panama 9/23/2017; Island - Coastal 9/20/2017; Emerald - Scandinavia 07/02/2016; Emerald - Norway 06/18/2016; Emerald - Baltic 06/04/2016; Crown - Tahiti 10/17/2015; Golden - Alaska 6/1/15; Golden - Alaska 5/22/15; Ruby - Western Carib 12/13/14; Ruby - Eastern Carib 12/06/14; Ruby - Eastern Carib 11/29/14; Grand -Mexican Riviera 03/05/14; Grand -California Coastal 03/15/14; Grand -Hawaii 03/22/14; Ruby -Transatlantic 11-29-2013; Ruby -Grand Med 11-17-13; Ruby -Eastern Med 11-05-13; Ruby -Eastern Med 10-24-13; Caribbean -British Isles 05-12-13; Caribbean -TransAtlantic 04-27-13;Diamond -Asia/Alaska 04-15-12; Grand -Western Med 10-21-11; Golden -Hawaii 04-27-11; Emerald -Caribbean Combo 11-28-10; Star -Antarctica 02-02-10; Golden -Hawaii 9-27-09; Golden -Pacific Coastal 9-19-09; Grand -Caribbean Collection 3-27-09; Dawn -Mexican Riviera 4-27-08; Island -Panama Canal 2-06-08; Golden -Mexican Riviera 9-29-07; Golden -Pacific Coastal 9-23-07; Caribbean -E. Caribbean 04-29-07; Star -W. Caribbean 04-21-07; Dawn -Mexican Riviera 12-1-06; Island -Alaska 5-22-06; Island -Alaska 5-15-06; Dawn -Mexico 10-2005; Sun -Eastern Caribbean 4-2005; Star -Western Caribbean 12-2004; Island -Panama Canal 1-2004; Sea -Mexico 1-2002; Ocean -Alaska 6-2001
#10
4,328 Posts
Joined Feb 2004
Nationwide:

Effective Date means 12:01 A.M. local time, at Your location, on the day after the required premium for such coverage is received by the Company or its authorized representative.

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which You, a Traveling Companion, or a Family Member booked to travel with You: 1) exhibited symptoms that would have caused one to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the Effective Date.
The Pre-Existing Conditions exclusion is waived if You (a) enroll in this Policy within final Trip payment; (b) purchase this Policy for the full cost of Your Trip; and (c) are medically able to travel on the Effective Date.

My note - Nationwide is very straightforward in its definitions. Although they do have the added stipulation of purchasing the policy for the full cost of your Trip....
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Upcoming Cruises:

Coral Princess - 60 Day Circle The Pacific - 09/19/2018

Pacific Princess - World Cruise - R/T LA - 01/20/2019

Ruby Princess - South Pacific - R/T SYD - 03/21/2020
Ruby Princess - SYD to LA - 04/05/2020

Past Cruises (All Princess):

Diamond - Asia 03/22/2018; Diamond - AUS/NZ 03/10/2018; Diamond - Tasmania 03/02/2018; Island - Panama 10/12/2017; Island - Panama 9/23/2017; Island - Coastal 9/20/2017; Emerald - Scandinavia 07/02/2016; Emerald - Norway 06/18/2016; Emerald - Baltic 06/04/2016; Crown - Tahiti 10/17/2015; Golden - Alaska 6/1/15; Golden - Alaska 5/22/15; Ruby - Western Carib 12/13/14; Ruby - Eastern Carib 12/06/14; Ruby - Eastern Carib 11/29/14; Grand -Mexican Riviera 03/05/14; Grand -California Coastal 03/15/14; Grand -Hawaii 03/22/14; Ruby -Transatlantic 11-29-2013; Ruby -Grand Med 11-17-13; Ruby -Eastern Med 11-05-13; Ruby -Eastern Med 10-24-13; Caribbean -British Isles 05-12-13; Caribbean -TransAtlantic 04-27-13;Diamond -Asia/Alaska 04-15-12; Grand -Western Med 10-21-11; Golden -Hawaii 04-27-11; Emerald -Caribbean Combo 11-28-10; Star -Antarctica 02-02-10; Golden -Hawaii 9-27-09; Golden -Pacific Coastal 9-19-09; Grand -Caribbean Collection 3-27-09; Dawn -Mexican Riviera 4-27-08; Island -Panama Canal 2-06-08; Golden -Mexican Riviera 9-29-07; Golden -Pacific Coastal 9-23-07; Caribbean -E. Caribbean 04-29-07; Star -W. Caribbean 04-21-07; Dawn -Mexican Riviera 12-1-06; Island -Alaska 5-22-06; Island -Alaska 5-15-06; Dawn -Mexico 10-2005; Sun -Eastern Caribbean 4-2005; Star -Western Caribbean 12-2004; Island -Panama Canal 1-2004; Sea -Mexico 1-2002; Ocean -Alaska 6-2001
#11
4,328 Posts
Joined Feb 2004
RoamRight:

Effective Date” means the date and time Your coverage begins, as indicated in Section IV-Coverage Provisions, When Coverage Begins and Ends.

When Coverage Begins:
Trip Cancellation, Optional Cancellation For Any Reason:
Coverage begins at 12:01 a.m. at Your location on the day after the date the required premium for this policy to cover Your Trip is received by RoamRight. This is Your “Effective Date” and time for Trip Cancellation, Optional Cancellation For Any Reason.

Trip Interruption and Missed Connection: Coverage begins when You depart on Your first scheduled Travel
Arrangement (or if You must use an alternate travel arrangement after Your Scheduled Departure Date to reach Your Trip destination, on the Scheduled Departure Date) for Your Trip. This is Your “Effective Date” and time for Trip Interruption and Missed Connection.

All Other Coverages: Coverage begins at 12:01 AM on the date when You depart on the first Travel Arrangement (or alternate travel arrangement if You must use an alternate Travel Arrangement to reach Your Trip destination) for Your Trip. This is Your “Effective Date” and time for all other coverages.

“Pre-Existing Condition” means an illness, disease, or other condition during the 180 day period immediately prior to the Effective Date of Your coverage for which You or Your Traveling Companion, Business Partner or Family Member: 1) received or received a recommendation for a test, examination, or medical treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 180 day period before Your coverage is effective under this policy.
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Coral Princess 60 Days Circle the Pacific (September 19, 2018)
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Pacific Princess World Cruise 2019
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Upcoming Cruises:

Coral Princess - 60 Day Circle The Pacific - 09/19/2018

Pacific Princess - World Cruise - R/T LA - 01/20/2019

Ruby Princess - South Pacific - R/T SYD - 03/21/2020
Ruby Princess - SYD to LA - 04/05/2020

Past Cruises (All Princess):

Diamond - Asia 03/22/2018; Diamond - AUS/NZ 03/10/2018; Diamond - Tasmania 03/02/2018; Island - Panama 10/12/2017; Island - Panama 9/23/2017; Island - Coastal 9/20/2017; Emerald - Scandinavia 07/02/2016; Emerald - Norway 06/18/2016; Emerald - Baltic 06/04/2016; Crown - Tahiti 10/17/2015; Golden - Alaska 6/1/15; Golden - Alaska 5/22/15; Ruby - Western Carib 12/13/14; Ruby - Eastern Carib 12/06/14; Ruby - Eastern Carib 11/29/14; Grand -Mexican Riviera 03/05/14; Grand -California Coastal 03/15/14; Grand -Hawaii 03/22/14; Ruby -Transatlantic 11-29-2013; Ruby -Grand Med 11-17-13; Ruby -Eastern Med 11-05-13; Ruby -Eastern Med 10-24-13; Caribbean -British Isles 05-12-13; Caribbean -TransAtlantic 04-27-13;Diamond -Asia/Alaska 04-15-12; Grand -Western Med 10-21-11; Golden -Hawaii 04-27-11; Emerald -Caribbean Combo 11-28-10; Star -Antarctica 02-02-10; Golden -Hawaii 9-27-09; Golden -Pacific Coastal 9-19-09; Grand -Caribbean Collection 3-27-09; Dawn -Mexican Riviera 4-27-08; Island -Panama Canal 2-06-08; Golden -Mexican Riviera 9-29-07; Golden -Pacific Coastal 9-23-07; Caribbean -E. Caribbean 04-29-07; Star -W. Caribbean 04-21-07; Dawn -Mexican Riviera 12-1-06; Island -Alaska 5-22-06; Island -Alaska 5-15-06; Dawn -Mexico 10-2005; Sun -Eastern Caribbean 4-2005; Star -Western Caribbean 12-2004; Island -Panama Canal 1-2004; Sea -Mexico 1-2002; Ocean -Alaska 6-2001
#12
4,328 Posts
Joined Feb 2004
TravelSafe:

SECTION III. Insuring Provisions
Your Term of Coverage:
For Trip Cancellation: Coverage begins on Your “Effective
Date
” which is at 12:01 a.m. on the date the appropriate cost
for this policy for Your Trip is received and ends at the point
and time of departure on Your Scheduled Departure Date.

For Travel Delay: Coverage is in force while en route to and
from and during the Trip.

For all other coverages: All other benefits begin on 12:01
a.m. on Your Scheduled Departure Date
. Coverage ends at
the point and time of return on Your Scheduled Return Date.
In the event the Scheduled Departure Date and/or the
Scheduled Return Date are delayed, or the point and time
of departure and/or point and time of return are changed
because of circumstances over which neither the Travel
Supplier nor You have control, Your term of coverage shall
be automatically adjusted in accordance with the Travel
Supplier’s notice to Us of the delay or change.

“Pre-Existing Condition” means any injury, sickness or condition (including any condition from which death ensues)
of You, Your Traveling Companion, or Your or Your Traveling
Companion’s Family Member traveling with You which
within the 60 day period prior to the effective date of Your
Trip Cancellation coverage under the Policy
: (a) manifested
itself, became acute or exhibited symptoms which would
have caused one to seek diagnosis, care or treatment;
(b) required taking prescribed drugs or medicine, unless
the condition for which the prescribed drug or medicine is
taken remains controlled without any change in the required
prescription; or (c) required medical treatment or treatment
was recommended by a Legally Qualified Physician.

My note - This one, while a bit obtuse, is at least reasonably clear.
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Coral Princess 60 Days Circle the Pacific (September 19, 2018)
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Pacific Princess World Cruise 2019
https://pacific2019worldcruise.shutterfly.com/


Upcoming Cruises:

Coral Princess - 60 Day Circle The Pacific - 09/19/2018

Pacific Princess - World Cruise - R/T LA - 01/20/2019

Ruby Princess - South Pacific - R/T SYD - 03/21/2020
Ruby Princess - SYD to LA - 04/05/2020

Past Cruises (All Princess):

Diamond - Asia 03/22/2018; Diamond - AUS/NZ 03/10/2018; Diamond - Tasmania 03/02/2018; Island - Panama 10/12/2017; Island - Panama 9/23/2017; Island - Coastal 9/20/2017; Emerald - Scandinavia 07/02/2016; Emerald - Norway 06/18/2016; Emerald - Baltic 06/04/2016; Crown - Tahiti 10/17/2015; Golden - Alaska 6/1/15; Golden - Alaska 5/22/15; Ruby - Western Carib 12/13/14; Ruby - Eastern Carib 12/06/14; Ruby - Eastern Carib 11/29/14; Grand -Mexican Riviera 03/05/14; Grand -California Coastal 03/15/14; Grand -Hawaii 03/22/14; Ruby -Transatlantic 11-29-2013; Ruby -Grand Med 11-17-13; Ruby -Eastern Med 11-05-13; Ruby -Eastern Med 10-24-13; Caribbean -British Isles 05-12-13; Caribbean -TransAtlantic 04-27-13;Diamond -Asia/Alaska 04-15-12; Grand -Western Med 10-21-11; Golden -Hawaii 04-27-11; Emerald -Caribbean Combo 11-28-10; Star -Antarctica 02-02-10; Golden -Hawaii 9-27-09; Golden -Pacific Coastal 9-19-09; Grand -Caribbean Collection 3-27-09; Dawn -Mexican Riviera 4-27-08; Island -Panama Canal 2-06-08; Golden -Mexican Riviera 9-29-07; Golden -Pacific Coastal 9-23-07; Caribbean -E. Caribbean 04-29-07; Star -W. Caribbean 04-21-07; Dawn -Mexican Riviera 12-1-06; Island -Alaska 5-22-06; Island -Alaska 5-15-06; Dawn -Mexico 10-2005; Sun -Eastern Caribbean 4-2005; Star -Western Caribbean 12-2004; Island -Panama Canal 1-2004; Sea -Mexico 1-2002; Ocean -Alaska 6-2001
#13
4,328 Posts
Joined Feb 2004
TripAssure:

Effective Date” means the date and time Your coverage begins, as indicated
in Section IV, Coverage Provisions, When Coverage Begins and Ends.

When Coverage Begins:
Trip Cancellation: Coverage begins at 12:01 a.m. at Your location on the
day after the date the required payment for this plan to cover Your Trip
is received by TripAssure. This is Your “Effective Date” and time for Trip
Cancellation.


Trip Interruption and Missed Connection: Coverage begins when You
depart on Your first scheduled Travel Arrangement (or if You must use
an alternate travel arrangement after Your Scheduled Departure Date to
reach Your Trip destination, on the Scheduled Departure Date) for Your
Trip. This is Your “Effective Date” and time for Trip Interruption and Missed
Connection.


Travel Delay: Coverage begins after You have traveled 100 miles or more
from home en route to join Your Trip. This is Your “Effective Date” and time
for Travel Delay.


All Other Coverages: Coverage begins when You depart on the first Travel
Arrangement (or alternate travel arrangement if You must use an alternate
Travel Arrangement to reach Your Trip destination) for Your Trip. This is
Your “Effective Date” and time for all other coverages.


“Pre-Existing Condition” means an illness, disease, or other condition
during the 60 day period immediately prior to the Effective Date of Your
coverage
for which You or Your Traveling Companion, Business Partner or
Family Member scheduled or booked to travel with You:
1) received or received a recommendation for a test, examination, or
medical treatment; or
2) took or received a prescription for drugs or medicine.
Item (2) of this definition does not apply to a condition which is treated
or controlled solely through the taking of prescription drugs or medicine
and remains treated or controlled without any adjustment or change in the
required prescription throughout the 60 day period before Your coverage is
effective under this plan
.
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Upcoming Cruise Website Links:
Coral Princess 60 Days Circle the Pacific (September 19, 2018)
https://coral09192018cruise.shutterfly.com/
Pacific Princess World Cruise 2019
https://pacific2019worldcruise.shutterfly.com/


Upcoming Cruises:

Coral Princess - 60 Day Circle The Pacific - 09/19/2018

Pacific Princess - World Cruise - R/T LA - 01/20/2019

Ruby Princess - South Pacific - R/T SYD - 03/21/2020
Ruby Princess - SYD to LA - 04/05/2020

Past Cruises (All Princess):

Diamond - Asia 03/22/2018; Diamond - AUS/NZ 03/10/2018; Diamond - Tasmania 03/02/2018; Island - Panama 10/12/2017; Island - Panama 9/23/2017; Island - Coastal 9/20/2017; Emerald - Scandinavia 07/02/2016; Emerald - Norway 06/18/2016; Emerald - Baltic 06/04/2016; Crown - Tahiti 10/17/2015; Golden - Alaska 6/1/15; Golden - Alaska 5/22/15; Ruby - Western Carib 12/13/14; Ruby - Eastern Carib 12/06/14; Ruby - Eastern Carib 11/29/14; Grand -Mexican Riviera 03/05/14; Grand -California Coastal 03/15/14; Grand -Hawaii 03/22/14; Ruby -Transatlantic 11-29-2013; Ruby -Grand Med 11-17-13; Ruby -Eastern Med 11-05-13; Ruby -Eastern Med 10-24-13; Caribbean -British Isles 05-12-13; Caribbean -TransAtlantic 04-27-13;Diamond -Asia/Alaska 04-15-12; Grand -Western Med 10-21-11; Golden -Hawaii 04-27-11; Emerald -Caribbean Combo 11-28-10; Star -Antarctica 02-02-10; Golden -Hawaii 9-27-09; Golden -Pacific Coastal 9-19-09; Grand -Caribbean Collection 3-27-09; Dawn -Mexican Riviera 4-27-08; Island -Panama Canal 2-06-08; Golden -Mexican Riviera 9-29-07; Golden -Pacific Coastal 9-23-07; Caribbean -E. Caribbean 04-29-07; Star -W. Caribbean 04-21-07; Dawn -Mexican Riviera 12-1-06; Island -Alaska 5-22-06; Island -Alaska 5-15-06; Dawn -Mexico 10-2005; Sun -Eastern Caribbean 4-2005; Star -Western Caribbean 12-2004; Island -Panama Canal 1-2004; Sea -Mexico 1-2002; Ocean -Alaska 6-2001
#14
4,328 Posts
Joined Feb 2004
So of the five policies I picked from Insuremytrip, 3 of which I've actually purchased in the past, two are very clear that the pre-existing coverage look back is from the date of purchase. 1 policy is subject to interpretation - which of course is what lawyers want - and two are pretty clear in the plain text saying that the pre-existing look back for medical benefits on the trip actually starts from the day the trip starts.

So having dealt with multiple lawyers and insurance companies over the past 10 years and knowing that each side will 'spin' the wording to benefit their client, I want travel insurance policies with the clearest wording to my advantage in the look back period issue.

Just another point in making sure you READ the actual policy certificate and not count on the 'brochure' wording or even what people post on cruise critic! Including ME!

And this doesn't even start to address the other issues of travel insurance like secondary benefits, "Usual and Customary", "suitable necessary medical treatment", etc. So far I've only had to deal with cancellations and not medical during a cruise. But as we all get older, and travel more often and for longer duration, the chances of a medical issue popping us becomes more and more likely.
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Past Cruises (All Princess):

Diamond - Asia 03/22/2018; Diamond - AUS/NZ 03/10/2018; Diamond - Tasmania 03/02/2018; Island - Panama 10/12/2017; Island - Panama 9/23/2017; Island - Coastal 9/20/2017; Emerald - Scandinavia 07/02/2016; Emerald - Norway 06/18/2016; Emerald - Baltic 06/04/2016; Crown - Tahiti 10/17/2015; Golden - Alaska 6/1/15; Golden - Alaska 5/22/15; Ruby - Western Carib 12/13/14; Ruby - Eastern Carib 12/06/14; Ruby - Eastern Carib 11/29/14; Grand -Mexican Riviera 03/05/14; Grand -California Coastal 03/15/14; Grand -Hawaii 03/22/14; Ruby -Transatlantic 11-29-2013; Ruby -Grand Med 11-17-13; Ruby -Eastern Med 11-05-13; Ruby -Eastern Med 10-24-13; Caribbean -British Isles 05-12-13; Caribbean -TransAtlantic 04-27-13;Diamond -Asia/Alaska 04-15-12; Grand -Western Med 10-21-11; Golden -Hawaii 04-27-11; Emerald -Caribbean Combo 11-28-10; Star -Antarctica 02-02-10; Golden -Hawaii 9-27-09; Golden -Pacific Coastal 9-19-09; Grand -Caribbean Collection 3-27-09; Dawn -Mexican Riviera 4-27-08; Island -Panama Canal 2-06-08; Golden -Mexican Riviera 9-29-07; Golden -Pacific Coastal 9-23-07; Caribbean -E. Caribbean 04-29-07; Star -W. Caribbean 04-21-07; Dawn -Mexican Riviera 12-1-06; Island -Alaska 5-22-06; Island -Alaska 5-15-06; Dawn -Mexico 10-2005; Sun -Eastern Caribbean 4-2005; Star -Western Caribbean 12-2004; Island -Panama Canal 1-2004; Sea -Mexico 1-2002; Ocean -Alaska 6-2001
#16
USA
3,111 Posts
Joined Aug 2013
Originally posted by Somedayhas arrived
I am new to this also, and my question is pre-exisiting condition. Does this mean that if you have cancer and are in remission you are not covered even with purchasing before final payment date?
Hi Somedayhas arrived, and welcome to CruiseCritic.

I've written a reply but NOT yet posted it, and I might not, as I am not an "expert". I have my own theory about how it would work for your situation, at least with our Travel Insured policy (the specific type we get; they have more than one, I think).

I STRONGLY suggest that you CALL Steve at
www.TripInsuranceStore.com

He owns the company; they are travel insurance brokers, and handle policies from several vetted insurers (each with more than one type of policy, I think).
HE will either know the answer, or call one - or more - of the insurers to clarify if there is a policy for "you". (Your situation is hardly unique these days, thank goodness for modern medicine!)

IF he finds a policy that works for you, please have him highlight the EXACT SECTION that pertains to your situation being "covered".
With insurance, one does NOT want to be needing to say, "...but someone told me..."

It would be nice if you report back, given that others *are* in similar situations.

Our "CC email address" is right below this, in our signature section, if you want to write to us directly for more help.
But the bottom line is that we would only be giving our opinion or some advice, and you cannot rely upon us for any guarantees, obviously.
However, we DO try to help.
Why?
Because WE learned of travel insurance *here*.
And on our FIRST (and very expensive - for us at that time!) cruise/land trip, we therefore took out travel insurance. And... less than 2 weeks from when we were to depart, DH had a medical emergency, and the *only* traveling we did for the next couple of months was back and forth for medical care, tests, etc.!
And yes, Travel Insured refunded everything we had prepaid, all of which was, at that late date, totally NON-refundable.
And we've since had some other claims, ALL paid with no nonsense by Travel Insured. And getting claims paid with "no nonsense" IS a huge part of travel insurance!
We owe a huge debt (we know the exact dollar amount ) to CC for the encouragement about buying travel insurance!

Somedayhas arrived: Please make sure you understand the difference between "purchasing before final payment" and "purchasing within the 10-20 day window after FIRST payment/deposit", depending upon WHICH policy you have.

GC
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#17
MS
26 Posts
Joined Jul 2018
Originally posted by GeezerCouple
Hi Somedayhas arrived, and welcome to CruiseCritic.

I've written a reply but NOT yet posted it, and I might not, as I am not an "expert". I have my own theory about how it would work for your situation, at least with our Travel Insured policy (the specific type we get; they have more than one, I think).

I STRONGLY suggest that you CALL Steve at
www.TripInsuranceStore.com

He owns the company; they are travel insurance brokers, and handle policies from several vetted insurers (each with more than one type of policy, I think).
HE will either know the answer, or call one - or more - of the insurers to clarify if there is a policy for "you". (Your situation is hardly unique these days, thank goodness for modern medicine!)

IF he finds a policy that works for you, please have him highlight the EXACT SECTION that pertains to your situation being "covered".
With insurance, one does NOT want to be needing to say, "...but someone told me..."

It would be nice if you report back, given that others *are* in similar situations.

Our "CC email address" is right below this, in our signature section, if you want to write to us directly for more help.
But the bottom line is that we would only be giving our opinion or some advice, and you cannot rely upon us for any guarantees, obviously.
However, we DO try to help.
Why?
Because WE learned of travel insurance *here*.
And on our FIRST (and very expensive - for us at that time!) cruise/land trip, we therefore took out travel insurance. And... less than 2 weeks from when we were to depart, DH had a medical emergency, and the *only* traveling we did for the next couple of months was back and forth for medical care, tests, etc.!
And yes, Travel Insured refunded everything we had prepaid, all of which was, at that late date, totally NON-refundable.
And we've since had some other claims, ALL paid with no nonsense by Travel Insured. And getting claims paid with "no nonsense" IS a huge part of travel insurance!
We owe a huge debt (we know the exact dollar amount ) to CC for the encouragement about buying travel insurance!

Somedayhas arrived: Please make sure you understand the difference between "purchasing before final payment" and "purchasing within the 10-20 day window after FIRST payment/deposit", depending upon WHICH policy you have.

GC
Thanks for the advice. I am definitely going to call and see what I can find out.
#18
625 Posts
Joined Apr 2005
Ccrain

Are the bolded words, “This is your effective date” quoted in the policy in each section or is it your impression that each start of coverage indicates a new effective date?

It is logical that trip delay / interruption or medical do not start until you actually travel. Insurance can’t pay for something that hasn’t happened yet. It doesn’t necessarily mean that the effective date changes at every stage.

I still think that effective date means the defined time after the company receives payment. Your policy is in force at that point, and coverage is applied as the risk occurs.

I could certainly be wrong, so you have raised an important question. It underlines the need to read the policy and to ask a qualified broker for clarification.
#19
4,328 Posts
Joined Feb 2004
Originally posted by Babr
Ccrain

Are the bolded words, “This is your effective date” quoted in the policy in each section or is it your impression that each start of coverage indicates a new effective date?

It is logical that trip delay / interruption or medical do not start until you actually travel. Insurance can’t pay for something that hasn’t happened yet. It doesn’t necessarily mean that the effective date changes at every stage.

I still think that effective date means the defined time after the company receives payment. Your policy is in force at that point, and coverage is applied as the risk occurs.

I could certainly be wrong, so you have raised an important question. It underlines the need to read the policy and to ask a qualified broker for clarification.
The bold typeface is my highlighting the actual certificate words that are causing me concern or non-concern as the case may be...I have not edited them.

And yes, the plain language is clear on the two that concern me - the effective date of medical coverage is the day you depart. The effective date of cancellation insurance is the date of purchase. Since the pre-existing condition language uses the same terminology - Effective Date - I can only conclude that there are essentially TWO pre-existing condition Effective Dates - one for cancellation, one for medical treatment.

My concern with talking to a broker is that unless they can provide something in writing from the company, or themselves, anything they say is moot. This is purely a matter of contract law and even getting another lawyer's opinion on the matter would be pretty much a waste of money.

So the bottom line for me is that I simply avoid those policies completely and go with policies that are clearer in their definition of Effective Date OR simply purchase policies that waive the pre-existing conditions even if I have to sacrifice Primary Coverage to do it.
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Upcoming Cruise Website Links:
Coral Princess 60 Days Circle the Pacific (September 19, 2018)
https://coral09192018cruise.shutterfly.com/
Pacific Princess World Cruise 2019
https://pacific2019worldcruise.shutterfly.com/


Upcoming Cruises:

Coral Princess - 60 Day Circle The Pacific - 09/19/2018

Pacific Princess - World Cruise - R/T LA - 01/20/2019

Ruby Princess - South Pacific - R/T SYD - 03/21/2020
Ruby Princess - SYD to LA - 04/05/2020

Past Cruises (All Princess):

Diamond - Asia 03/22/2018; Diamond - AUS/NZ 03/10/2018; Diamond - Tasmania 03/02/2018; Island - Panama 10/12/2017; Island - Panama 9/23/2017; Island - Coastal 9/20/2017; Emerald - Scandinavia 07/02/2016; Emerald - Norway 06/18/2016; Emerald - Baltic 06/04/2016; Crown - Tahiti 10/17/2015; Golden - Alaska 6/1/15; Golden - Alaska 5/22/15; Ruby - Western Carib 12/13/14; Ruby - Eastern Carib 12/06/14; Ruby - Eastern Carib 11/29/14; Grand -Mexican Riviera 03/05/14; Grand -California Coastal 03/15/14; Grand -Hawaii 03/22/14; Ruby -Transatlantic 11-29-2013; Ruby -Grand Med 11-17-13; Ruby -Eastern Med 11-05-13; Ruby -Eastern Med 10-24-13; Caribbean -British Isles 05-12-13; Caribbean -TransAtlantic 04-27-13;Diamond -Asia/Alaska 04-15-12; Grand -Western Med 10-21-11; Golden -Hawaii 04-27-11; Emerald -Caribbean Combo 11-28-10; Star -Antarctica 02-02-10; Golden -Hawaii 9-27-09; Golden -Pacific Coastal 9-19-09; Grand -Caribbean Collection 3-27-09; Dawn -Mexican Riviera 4-27-08; Island -Panama Canal 2-06-08; Golden -Mexican Riviera 9-29-07; Golden -Pacific Coastal 9-23-07; Caribbean -E. Caribbean 04-29-07; Star -W. Caribbean 04-21-07; Dawn -Mexican Riviera 12-1-06; Island -Alaska 5-22-06; Island -Alaska 5-15-06; Dawn -Mexico 10-2005; Sun -Eastern Caribbean 4-2005; Star -Western Caribbean 12-2004; Island -Panama Canal 1-2004; Sea -Mexico 1-2002; Ocean -Alaska 6-2001
#20
USA
3,111 Posts
Joined Aug 2013
Originally posted by Babr
Ccrain

Are the bolded words, “This is your effective date” quoted in the policy in each section or is it your impression that each start of coverage indicates a new effective date?

It is logical that trip delay / interruption or medical do not start until you actually travel. Insurance can’t pay for something that hasn’t happened yet. It doesn’t necessarily mean that the effective date changes at every stage.

I still think that effective date means the defined time after the company receives payment. Your policy is in force at that point, and coverage is applied as the risk occurs.

I could certainly be wrong, so you have raised an important question. It underlines the need to read the policy and to ask a qualified broker for clarification.
I agree that there must be more to this, but *I* sure don't like the way those two sections are worded, which is why I wonder about how the entire policy is worded, as you suggest.

But even IF there is some intermediate wording that makes it "okay", I think this is terribly sloppy writing, and with contracts, that's NOT what one wants.

BTW: In general (and I've no doubt there would be exceptions) ambiguities in contracts tend to be (notice waffle wording please ) resolved in favor of the party that did NOT write the contract.

But challenging a dispute, as already mentioned, means... legal costs, at least most of the times.

I just don't like how the "ALL other coverages..." section looks...
[But were there more "other coverages" before that section??]
Unless I see more on a full Travelex policy, we'll *never* purchase from them.
No problem, however, as we are totally satisfied with Travel Assured!

GC
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GeezerCouple

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