Pre-Existing Medical Conditions

Pre-Existing Medical Conditions

If the cruise is cancelled for a condition in which the passenger is treated for within 6 months prior to the purchase of the insurance, they would be excluded from receiving a claim payout by the insurance company.  However, the plan offers a WAIVER of the pre-existing condition exclusion IF the plan is purchased within 21 days from the day the cruise is deposited. 

Important: A medical condition is considered pre-existing if treatment is provided for that condition within 6 months prior to the day the coverage is elected.  Therefore, even if a client does not have a medical condition on the day they purchase the insurance, it is still important to encourage the client to purchase the insurance within the 21-day period because, as stated above, a pre-existing condition is one that  is treated within 6 months prior to day the coverage is purchased.  The client may not have a medical condition when purchasing the cruise – but may develop one within the 6-month period.   And, therefore, if the client cancels the cruise due to a condition that develops within the 6-month period prior to purchasing the insurance, it will not be covered.

What is required in order to be eligible for the pre-existing condition exclusion WAIVER? 

At the time of booking, make sure  of these 3 things, in order to be eligible for the pre-existing condition exclusion waiver:

1. Must elect and purchase the insurance policy within 21 days of the date cruise is booked and deposited.
   
   
2. FULL NON-REFUNDABLE COST of the cruise (including all pre or post cruise arrangements made through the cruise line) must be insured in order to be eligible for the waiver.  This would include Cruise Line air or tour packages because this is provided through the cruise line, so it is considered part of the FULL COST of the trip.  And if the client adds Cruise Line air as a separate transaction at a later time, the client must still insure it by contacting Travel Insured within 21 days to be eligible for the waiver.  The client should not, however, include government fees and taxes (since they are refundable in the event of cancellation – no need to insure them).  
   
   
3.  The Insured must not be disabled when the plan is purchased.

When does the 21-day period start for the pre-existing condition exclusion waiver if a DLC client leaves a deposit with the cruise line while onboard his or her cruise (to receive the cruise line’s “next cruise" cruise” promotional perks)?

Regardless of whether the client left a general deposit or if he / she specified a particular ship and sailing date, the 21-day “clock” begins when the client actually finalizes the booking with Direct Line Cruises.