dietqueen

What does this even mean? If you file a claim for a medical reason, you are going to have to give the insurance company access to your medical records. And, these records aren't just at your doctor's office anymore. They will see everything you may have failed to disclose to them. If you've done this, you will have your claim denied and may have committed insurance fraud.

 

Advise people provide full and accurate information to their insurance company.

I am not trying to encourage anyone to commit insurance fraud, just pointing out that people say too much when filling forms out.

Would you tell the insurance company you smoked for many years, even thou you quit five years ago?

If you buy the insurance as soon as you book the cruise or within the timeframe specified by the insurer, you are getting a waiver of the look-back period. In other words, the look-back does not apply to you. That is the reason to purchase early - to lock in the waiver.

 

I believe it is possible to insure just the deposit if you have booked very early. That way you get the waiver and add trip costs,as well as increased premium, as they occur such as airfare or non-refundable hotels.

 

I know of at least one company that waives pre-existing conditions if the insurance is purchased at final payment.

 

If you miss these deadlines, then pre-existing conditions are not covered and the look-back period depending on the policy -anywhere from 60 days to 180 or more-applies according to when you purchase the insurance, not when you sail.

 

This is what I understand of third-party coverage; however, cruise-line sponsored policies may have different rules that are unique to them.

Also not to digress too much from the topic at hand, people tend to tell the insurance company too much information.