Pre-Exisiting Look Back Period - Part Deux

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#1
4,104 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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#2
New Port Richey FL
553 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
2,854 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
553 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.