Travel Insurance

Discussion in 'General Discussion | Travel' started by KyRoamer, Mar 16, 2011.  |  Print Topic

  1. KyRoamer
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    KyRoamer Gold Member

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    At my age I don't buy green bananas so travel insurance is a given. Waiver of pre-existing conditions is a must. Primary vs Secondary coverage is to be preferred. How best to shop?

    I use www.insuremytrip.com for quotes and usually go with Travelex Select as it is both low cost and has primary coverage on property losses and medical. To get a waiver of pre-existing conditions though, I have to buy it within 21 days of making my initial deposit. If I later cancel the trip and get my costs refunded, the premium is lost.

    I booked a cruise for next year and have until April 2012 to change my mind and get my deposit back. My travel agent said that she had a special deal with Access America where until final deposit date (April 2012) I did not have to buy the insurance and that when I did, pre-existing conditions would be waived. I checked elsewhere and found Access America has a 14 day buy requirement, but my agent (a major cruise agency) confirmed in writing that I did not have to buy for over a year.

    Now I do not love the Access America policy but the flexibility of waiting outweighs for me the secondary coverage issue. Does anyone know of other sources where you can get a waiver of pre-existing conditions on a policy bought more than 21 days after the initial deposit but before the final payment? If so, please share the name of the insurer and agent.
     
  2. Blue Skye
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    Blue Skye Silver Member

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    i have had good luck with Travel Guard. i dont know their policy on pre-existing conditions though, but ISTR using them for a family cruise just after my son recovered from a serious back injury. i think most insurance companies, for pre-existing, do keep the premium or part of it. small price IMO to pay in order to get cost of cruise and other fees reimbursed. YMMV
     
  3. KyRoamer
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    KyRoamer Gold Member

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    Yes but to wait until 60 day before the cruise before paying the premium is worth a lot. This is what was unique about the cruise agents deal.
     
  4. b1513
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    b1513 Silver Member

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    Just a bit of advice with the Pre-existing condition clause. They will not pay for a Pre-existing condition if you have been treated or diagnosed within a 120 day of when you purchased the trip. I had Accessamerica insurance and a Pre-existing condition and they did pay but I went through a lot of rigamarole. The most important thing is that you had to be fit to go the day you purchased the trip.
     
  5. techguru
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    techguru Silver Member

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    I have used TravelEx, Access America, and now American Express's premium travel insurance for Platinum / Centurion card holders ($13/month / couple). Pretty great deal -- not sure about pre-existing conditions but a heck of a deal.
     

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