iamtrustworthy

Hi chloe77, > So are you saying that even though his allergy was diagnosed many years ago, since he hasn't had any of the listed issues during the lookback period, it wouldn't be considered a preexisting condition? That's correct, his allergy doesn't meet the definition of pre-existing medical condition when nothing has occured as defined by the plan's lookback period. > That's where I'm confused. It's preexisting, but nothing happened during the lookback period. His allergy would be considered preexisting for a medical, life or disablility insurance plan, but not necessarily for a Trip Cancellation plan. Steve Dasseos

Hi chloe77, I only know of a few plans that will pay your full Trip Cancellation or Trip Interruption claim for a covered reason if you average the trip cost between all of you. I wrote this on Feb 27, 2008 and it's still correct: How To Correctly Quote a Travel Insurance Plan https://tripinsurancestore.com/blog/how-to-correctly-quote-a-travel-insurance-plan/ I hope this helps you, Steve Dasseos

Hi chloe77, Food allergies and any other medical condition will be defined as a pre-existing medical conition if they existed as defined by the Lookback Period of the policy you buy. This page explains the Pre-Existing Medical Condition Lookback Period in a Trip Cancellation plan: https://tripinsurancestore.com/travel-insurance-pre-existing-medical-condition-lookback-period/ I hope this makes sense, Steve Dasseos

Hi ohmandi, I'm surprised to hear that this is the advice you received from TripInsuranceStore, since this advice was the opposite of what we tell people. Will you help me track down your phone call? My email is steve@tripinsurancestore.com and this is the information I will need from you (email it because this is private information): Your name, the phone number you called us from and the approximate date and time of your phone call. And, did you speak with Deanna or Kim? Thank you in advance, Steve Dasseos

Hi cruisegirlppp, It didn't come across wrong. I appreciate your kind words and the honest feedback. We have over 530 pages including our 374 blog posts and I don't know how to simplify it. Steve Dasseos

Hi bdever, I can't say without knowing the exact details of your trip and what you need. It's best if you call each if the companies and ask. Steve Dasseos

Hi SoloFullTime, > On GeoBlue Trekker, I"m seeing many sources and their site showing pre-existing is covered. Did I misunderstand your comment or are there many restrictions? The reason I said that about credit cards not covering pre-existing medical conditions is that there are far more trip cancellation and interruption claims due to a pre-existing medical condition that there are medical claims due to a pre-existing medical condition. I wanted you to be aware of this because nearly everyone we talk with wants Geo Blue because it covers pre-existing medical conditions, yet they are surprised to hear that their credit card won't cover them if they have a trip cancellation or interruption claim due to the same pre-existing medical conditions. I hope this makes better sense. Steve Dasseos

Hi crystalspin, For both of HAL's Standard and Platinum plans, I've found it's less expensive to get one of our Trip Cancellation plans that reimburses 100% for a covered reason than it is to pay for the HAL plan but only get back 80% or 90%. That's because the 20% or 10% that is lost plus the cost of the HAL plan is more than the cost of the policy and its better benefits. I hope this makes sense. Steve Dasseos

Hi bdever, I offer Travel Guard / AIG and Berkshire Hathaway. Berkshire Hathaway's good but sometimes their prices are too high. The Travel Guard Preferred Plan for many States reimburses a maximum of $250 per person for missing a port. It's a good plan, but, in some States, this is more expensive than the other choices. You may see the Travel Guard Preferred plan details here: https://tripinsurancestore.com/travel-guard-preferred/ I hope this helps you. Steve Dasseos

Hi beshears, I own the domain "travelinsurancestore.com" which goes to https://tripinsurancestore.com And, I just bought the domain "travelinsuredstore.com" which also now goes to https://tripinsurancestore.com Thanks for the idea. Steve Dasseos

Hi cruisegirlppp, Sorry about that. I've been trying to clean it up and better organize it, so if you or anyone else have any idea, please email me at steve@tripinsurancestore.com . I welcome any feedback. Steve Dasseos

Hi bdever, I don't offer Allianz for various reasons, and not many other plans will pay you if a ship misses a port of call. There can still be Trip Interruption coverage, so what exact financial loss would you have if your upcoming cruise missed a port? Steve Dasseos

Hi Mary229, Here's my page with all the multi-trip annual Geo Blue Trekker plan details: https://tripinsurancestore.com/geo-blue-trekker-travel-medical-plans/ Steve Dasseos

Hi Unclefester6132, None of the credit card plans cover anything related to pre-existing medical conditions of you, traveling companions or non-traveling family members that could worsen and, in turn, cause you to cancel or interrupt your trip or for medical treatment while you are on your trip. And, their Covid coverage may not be adequate. If you don't need the pre-existing medical conditions coverage, then having a credit card plan's trip cancellation coverage is a good way to save money. I hope this helps you. Steve Dasseos

Hi SoloFullTime, Chase, nor any of the other credit card plans cover anything related to pre-existing medical conditions of you, traveling companions or non-traveling family members that could worsen and, in turn, cause you to cancel or interrupt your trip. If you don't need the pre-existing medical conditions coverage, then using the GeoBlue Trekker plan is a good choice. We've sold a lot of GeoBlue Trekker plans in combination with credit card plans for this same situation. I hope this helps you. Steve Dasseos