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Travel Insurance Pre-existing medical conditions
To understand pre-existing medical conditions you must read the
definition that the insurance company uses within the policy that you've purchased or plan to purchase. To paraphrase someone; pre-existing medical conditions aren't what you think they are, it's what the insurance company defines them to be. So you must read the definition to fully understand what they mean. In most cases they will exclude any medical condition that you or a family member (whether or not they are traveling with you - trip cancellation coverage) have received care or treatment or have had symptoms that would cause a reasonable person to seek care and/or treatment during a period immediately preceding the day you buy the insurance. The look back period varies by plan from 60 days to 180 days. Most plans provide an exemption to this exclusion if you are taking a prescribed drug for a controlled condition and the condition and medication haven't changed during the look back period. So if you buy a plan that doesn't provide a "waiver of pre-exisitng medical conditions" or if you don't qualify for the waiver than any loss that is caused by a pre-existing medical condition, as defined by the policy, will be excluded from coverage. |
#2
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Travel Insurance Pre-existing medical conditions
"john" wrote in message ... To understand pre-existing medical conditions you must read the definition that the insurance company uses within the policy that you've purchased or plan to purchase. To paraphrase someone; pre-existing medical conditions aren't what you think they are, it's what the insurance company defines them to be. So you must read the definition to fully understand what they mean. In most cases they will exclude any medical condition that you or a family member (whether or not they are traveling with you - trip cancellation coverage) have received care or treatment or have had symptoms that would cause a reasonable person to seek care and/or treatment during a period immediately preceding the day you buy the insurance. The look back period varies by plan from 60 days to 180 days. Most plans provide an exemption to this exclusion if you are taking a prescribed drug for a controlled condition and the condition and medication haven't changed during the look back period. So if you buy a plan that doesn't provide a "waiver of pre-exisitng medical conditions" or if you don't qualify for the waiver than any loss that is caused by a pre-existing medical condition, as defined by the policy, will be excluded from coverage. Hi John, We used to use the term "underwrite at time of loss", referring to companies that try to find an excuse to deny a claim. Underwriting is the evaluation of risk compared to premium and is the process by which insurance companies accept or reject applicants. There are companies who lure you with cheap prices and then fight to refuse payment of your claim. Beware! Be suspicious of a very cheap policy. Check out the company with whom you are dealing. I hope this saves someone from a problem. Harry Cooper |
#3
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Travel Insurance Pre-existing medical conditions
On Feb 20, 12:47*pm, "Seehorse Video" wrote:
"john" wrote in message ... To understand pre-existing medical conditions you must read the definition that the insurance company uses within the policy that you've purchased or plan to purchase. To paraphrase someone; pre-existing medical conditions aren't what you think they are, it's what the insurance company defines them to be. So you must read the definition to fully understand what they mean. In most cases they will exclude any medical condition that you or a family member (whether or not they are traveling with you - trip cancellation coverage) have received care or treatment or have had symptoms that would cause a reasonable person to seek care and/or treatment during a period immediately preceding the day you buy the insurance. *The look back period varies by plan from 60 days to 180 days. *Most plans provide an exemption to this exclusion if you are taking a prescribed drug for a controlled condition and the condition and medication haven't changed during the look back period. So if you buy a plan that doesn't provide a "waiver of pre-existing medical conditions" or if you don't qualify for the waiver than any loss that is caused by a pre-existing medical condition, as defined by the policy, will be excluded from coverage. Hi John, We used to use the term "underwrite at time of loss", referring to companies that try to find an excuse to deny a claim. *Underwriting is the evaluation of risk compared to premium and is the process by which insurance companies accept or reject applicants. *There are companies who lure you with cheap prices and then fight to refuse payment of your claim. *Beware! *Be suspicious of a very cheap policy. *Check out the company with whom you are dealing. *I hope this saves someone from a problem. Harry Cooper- Hide quoted text - - Show quoted text - Travel insurance plans are "non-underwritten" policies meaning that the individual risks are not reviewed by an underwriter at the time of application but rather the policy is issued without change or modification however, they are not all risk plans and they have limitations, conditions, and exclusions. The underwriting process actually begins at the time the travel insurance plan is designed and priced by the insurance company. The risk is modified by conditions and limitations or removed by exclusions. Those conditions, limitations, and exclusions are then applied at the time of a claim. In theory, the burden is on the insurance company to say what they mean since the contract is written by them and is not negotiable and in the event of an ambiguity the client should prevail - in theory. I agree that a traveler should check out the company. There is always a reason why a policy is cheaper, especially if it's significant. |
#4
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Travel Insurance Pre-existing medical conditions
On Feb 22, 1:03*pm, "John Sisker" wrote:
To Whom It May Concern: We received this information and/or press release from the trades/SmartBrief/CNN Travel and thought it may be of interest to this newsgroup as well. John Sisker - SHIP-TO-SHORE CRUISE AGENCY® (714) 536-3850 or toll-free at (800) 724-6644 & (Agency ID: 714.536.3850)www.shiptoshorecruise.com/www.tinplatedesign.com Facebook/Twitter/Blog/Flickr/MyPage My travel insurance claim was turned down because of a pre-existing medical condition. What now? Ah, the old pre-existing condition loophole! Most travel insurance companies have a clause in their contracts that says if you had a condition before your trip, and it caused a cancellation, they won't pay your claim. It's sneaky and unfair, because a claims adjuster doesn't have to be particularly insightful to find something in your past medical history to give the insurance company an excuse to turn down your claim. But don't lose hope. On appeal, more than 90 percent of travel insurance denials are overturned in your favor. So it pays to ask an insurance company again. Source: * CNN Travel * By Christopher Elliott * Tribune Media Services * February 22, 2010 Yes, I've read this before and I think it's slightly overstated. It implies that any pre-existing condition, regardless of when you've had it, can be used to deny a claim which is incorrect. There is always a "look back period" that limits the insurance company's review. In most plans with trip cancellation coverage, it is limited to the past 60 to 180 days, depending on the plan, from the day you purchase the coverage. So at worst the most the insurance company can look at is the past 6 months. And also I doubt if 90 percent of claim denials are overturned on appeal. It gives the impression that insurance companies intentionally try to avoid claims by intentionally denying valid claims. Mistakes do happen and it is worthwhile to have a claim denial reviewed and if a mistake was made they will correct it. If not there are other alternatives. I wrote a blog on this sometime ago that some might find helpful: http://www.quotewright.com/weblog/when-claims-go-bad/ |
#5
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Travel Insurance Pre-existing medical conditions
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#6
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Travel Insurance Pre-existing medical conditions
On Feb 23, 6:31*am, john wrote:
On Feb 22, 1:03*pm, "John Sisker" wrote: To Whom It May Concern: We received this information and/or press release from the trades/SmartBrief/CNN Travel and thought it may be of interest to this newsgroup as well. John Sisker - SHIP-TO-SHORE CRUISE AGENCY® (714) 536-3850 or toll-free at (800) 724-6644 & (Agency ID: 714.536.3850)www.shiptoshorecruise.com/www.tinplatedesign.com Facebook/Twitter/Blog/Flickr/MyPage My travel insurance claim was turned down because of a pre-existing medical condition. What now? Ah, the old pre-existing condition loophole! Most travel insurance companies have a clause in their contracts that says if you had a condition before your trip, and it caused a cancellation, they won't pay your claim. It's sneaky and unfair, because a claims adjuster doesn't have to be particularly insightful to find something in your past medical history to give the insurance company an excuse to turn down your claim. But don't lose hope. On appeal, more than 90 percent of travel insurance denials are overturned in your favor. So it pays to ask an insurance company again. Source: * CNN Travel * By Christopher Elliott * Tribune Media Services * February 22, 2010 Yes, I've read this before and I think it's slightly overstated. *It implies that any pre-existing condition, regardless of when you've had it, can be used to deny a claim which is incorrect. *There is always a "look back period" that limits the insurance company's review. * In most plans with trip cancellation coverage, it is limited to the past 60 to 180 days, depending on the plan, from the day you purchase the coverage. *So at worst the most the insurance company can look at is the past 6 months. *And also I doubt if 90 percent of claim denials are overturned on appeal. *It gives the impression that insurance companies intentionally try to avoid claims by intentionally denying valid claims. *Mistakes do happen and it is worthwhile to have a claim denial reviewed and if a mistake was made they will correct it. *If not there are other alternatives. *I wrote a blog on this sometime ago that some might find helpful: *http://www.quotewright.com/weblog/when-claims-go-bad/- Hide quoted text - - Show quoted text - Hi, John from QuoteWright, It's good to hear someone else questioned that 90% figure. I don't think so! Your "how to appeal" advice is great. There are a lot of helpful articles about travel insurance on your website. I like the one that explains pre-existing conditions. http://www.quotewright.com/weblog/pr...standing-them/ The concluding paragraph is 'on point' to the discussion we've been having he "Most “packaged” travel insurance plans offer a “waiver of pre- existing conditions” as an inducement to buy the insurance early. Since the vast majority of trip cancellation claims are caused by the accident, illness, or death of a family member and a large portion of those claims could be traced to what would be considered a pre- existing medical condition than it makes sense to buy a plan with this feature." Thanks for contributing. Diana Ball Austin, TX |
#7
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Travel Insurance Pre-existing medical conditions
On 2/24/2010 1:28 AM, John Sisker wrote:
As for someone claiming that my link did not point to CNN Travel... what link? There was no link provided, just the original story, and the source references. Your reference WAS CNN. And it was, of course, erroneous. This is what you wrote: "My travel insurance claim was turned down because of a pre-existing medical condition. What now? Ah, the old pre-existing condition loophole! ... Source: * CNN Travel * By Christopher Elliott * Tribune Media Services * February 22, 2010" But this is where Elliott wrote "the original story": http://www.msnbc.msn.com/id/34707059/ns/travel-tips/ MSNBC, not CNN. You're mixing things up, as usual. The really interesting question is: will insurance protect the consumer against the mistakes of a dyslectic, confused prefab home salesman posing as a travel agent but having no clue about "fiduciary duty"? |
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