Non-refundable costs include the total sum of all of your trip payments that would be forfeited due to cancellation prior to trip departure.
- Cruise - If a cruise costs $3,000 and the cruise policy is 50% loss at 90 days out, 75% loss at 45 days out and 100% loss up to 7 days within departure, you would need to insure for the full $3,000 since you would be out the full amount in the event you cancelled within the week before departure.
- Airline - If an airline ticket costs $700, and the ticket is 100% non-refundable at the time of purchase, you would need to insure for the full $700 in order to qualify for the pre-existing conditions waiver (other requirements still apply).
A pre-existing condition is any injury occurring prior to and including the effective date of this insurance and any illness occurring during the 120 days prior to and including the effective date of this insurance for which treatment by a licensed physician has been sought or advised or for which symptoms exist which would cause a prudent person to seek diagnosis, care or treatment. If the condition is controlled (that is, if you don't need to change your medication or treatment during the 60- or 120-day period), it's not considered a pre-existing condition.
The program does not cover losses or expenses if they result from: any injury occurring to you, a traveling companion, or a family member during the 120 days prior to and including the effective date of insurance; any illness occurring to you, a traveling companion, or a family member during the 120 days prior to and including the effective date of insurance for which treatment by a licensed physician has been sought or advised or for which symptoms exist which would cause a prudent person to seek diagnosis, care or treatment.
Yes. we offer a pre-existing conditions exclusion waiver. In order to have the Pre-existing Conditions Exclusion waived, you must meet certain criteria. You must insure the full cost of all non-refundable trip arrangements, be medically able to travel at the time of purchase of insurance and have not filed a claim for trip cancellation due to a pre-existing illness within 120 days of the effective date of this insurance. This waiver is available for trips costing $10,000 or less per covered person.
Some factors to consider when determining if your condition prevents or substantially interferes with your ability to travel, include: 1) whether you recently had a significant change in medication, 2) whether you require medical assistance or ongoing treatment, or 3) whether you have a medical procedure scheduled in the period between your trip purchase and planned departure dates (for which continuing side effects are known or likely to occur).
