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To find the best travel insurance plan for your trip, you want to know which plans worked well for other customers. All of our travel insurance reviews were submitted by customers who purchased a plan on our site. These reviews cover the spectrum including travel health insurance, cruise insurance, comprehensive travel insurance and last minute travel insurance.
How We Count Reviews: Our online review database contains over 100k reviews and ratings collected directly from customers via our site and third-party platforms. All reviews have been verified as honest ratings from real travelers like you.
InsureMyTrip evaluates all of the reviews posted on the site. "Anytime Advocates" - a team of licensed, uncommissioned travel insurance representatives - are available to assist any customer who may need help facilitating a claim or answering questions about a purchased plan before, during or after their trip.
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Carol
Thank you for bringing this to our attention. Our records do indicate that you contacted InsureMyTrip on the day before you departed on your trip questioning if a family member, who was not on your policy, was unable to go on the trip due to a medical issue. Our customer care representative read to you the terms of the policy then transferred you to the claims department to report your claim. Although it is not unusual for customers to expect a determination of coverage with that phone call, coverage can only be confirmed by the travel provider and only after reviewing claim documents.
In the future, if you are looking for guidance in selecting a travel insurance plan, please consider contacting our office at 800-487-4722 where a licensed representative would be happy to assist you.May 21,2019
The industry standard is for travel insurance providers to offer the pre-existing condition waiver if you purchase their policy within 10 to 21 days (depending on plan) of your initial trip payment. There are some exceptions such as the Nationwide Mutual Choice or Luxury Cruise plans which go by final payment:
"The Pre-Existing Conditions exclusion is waived if the Insured (a) enrolls in this Policy within Final Trip payment; (b) purchases this Policy for the full cost of his or her Trip; and (c) is medically able to travel at the time the premium is paid."
Unfortunately you purchased this Choice Cruise plan on 01/29/2019 which was the day after you made your final payment, so you did not qualify for the Pre-Existing Conditions Waiver.
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