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What kind of documentation is required for RCL Cruise Care Insurance?


molly361
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What sort of document do you submit for an insurance claim? Does it need to include your type of illness?

 

Is a simple doctor's note that states that Mr Smith should not travel this weekend since he is under a doctor's care sufficient?

 

Thanks

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No. There's a form the insurance company will provide that must be completed and signed by your doctor. They may also ask for medical records. It has to provide a diagnosis.

They are going to look at all of this, before determining whether you are eligible to receive payment. No company is going to pay with such a note.

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Another thing to consider is the infamous "per-exsisting clause". An example would be that you are taking heart medication for years, you had a cardiac incident and could not travel. If you do not have that per-exsisting wavier your claim could be denied.

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  • 4 weeks later...

Not quite right. Pre-existing condition waiver time frames vary by policy, some go back 6 months to look at your medical history, some less time. If you have had a condition prior to that look back period and have had no changes in medication during that time period, then you are not subject to the pre-existing waiver. In the above example, the cardiac event would be a covered reason for cancellation.

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