Does comprehensive policies with cancel for any reason cover pre-existing?

[sugcarol]

If comprehensive insurance with cancel for any reason added, do you also have to add pre-existing waiver, or would that be included.

[iamtrustworthy]

25 minutes ago, sugcarol said:

If comprehensive insurance with cancel for any reason added, do you also have to add pre-existing waiver, or would that be included.

Hi Sugcarol,

 

The pre-existing medical conditions waiver should be included if you met the cancel for any reason requirements. Which policy are you asking about?

 

Steve Dasseos

 

 

[leaveitallbehind]

Typically if you are covered by a policy that is defined as "cancel for any reason", that would include pre-existing conditions. CFAR overages are also typically among the most expensive policies for that reason, and as the coverage implies, pre-existing conditions would be part of "any reason" to cancel. 

 

Policies that offer CFAR (and pre-existing condition coverage) also typically must be issued within 15 days (varies by carrier) of the formal booking date of the cruise.  (Defined as when a deposit is conveyed to secure the reservation).

 

But the only certain way to know for sure would be to contact the carrier who issues the policy and have them confirm their coverages and any limitations.

Edited April 26, 2020 by leaveitallbehind