EmmasNana Posted February 27, 2010 #1 Share Posted February 27, 2010 What exactly does this mean? My DH takes a cholesterol med and something for high blood pressure. He has never had anything wrong with him (except high cholesterol count and HBP readings), just takes these meds as a preventative. So, if he had a heart attack on a cruise does this mean he had better have the insurance that includes pre-existing conditions? Also, what does that mean when they say look back 60 days or something like that? Link to comment Share on other sites More sharing options...
jeanrtco Posted February 27, 2010 #2 Share Posted February 27, 2010 I would say that I would be careful with the Pre-existing, I think if the insurance co can get away with using this as an excuse NOT to pay a claim then they will. For example, I mentioned that I have arthritis in both knees and would be getting a cortisone shot 2 wks before I go on the cruise, if I fall on board, or lose my balance they can blame my knees and say I had this preexisting condition to cause the fall, also if your husbands meds change in any way with in the window before purchasing the policy that can be a reason not to pay a claim. So, I purchased a policy that included preexisting waiver, just to be safe. Link to comment Share on other sites More sharing options...
EmmasNana Posted February 27, 2010 Author #3 Share Posted February 27, 2010 Thanks for your reply. I booked my cruise in November and we don't leave until Sept. The last cruise I used a insurance provider that included the pre existing thing but they no longer sell to Texas. I then tried to get insurance for our European cruise that isn't until 2011. I am still under 21 days from booking, but only one insurance provider (through insuremytrip) would even give me a quote. Most won't give you a quote that far out. Link to comment Share on other sites More sharing options...
jeanrtco Posted February 27, 2010 #4 Share Posted February 27, 2010 I use insuremytrip and another squaremouth.com (recommended by consumer reports) to do comparison quotes and what they each covered. BUT after choosing CSA Luxe, I went direct to their own website CSA.com and it was $200 cheaper for my policy insuring $30,000. I read you should visit the insurers website directly to get the lowest price. CSA LUXE was the only one that would give me the preexist waiver as I put my deposit down in aug 2009 final payment is march 20. jean Link to comment Share on other sites More sharing options...
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