From the “No Question is Dumb” Mailbag – The Question of the Month:

Mailbag-IconThe Question of the Month is a new feature that I am introducing.  My Tip of the Month usually relates to the sales side of travel insurance. It includes handling objections and discussing current events that affect the industry.  But it often overlooks actual policy language and coverage for specific situations that do not merit a lengthy conversation. These topics are important nonetheless. 

Do you have a question about policy coverage or how to handle a specific situation?  This is your opportunity to ask the travel insurance experts at Travel Insured.  Email your question to icymrot@travelinsured.com with “Question of the Month” in the subject line.

Q: My client is booking their cruise now but their airfare is not yet available. How can I cover them for pre-existing conditions?

A: This is by far one of the most frequently-asked questions we receive because it is such a common situation.  The answer is very simple.  First, insure the pieces of the trip that you know when the client makes their initial deposit. Follow the pre-existing condition waiver guidelines:

  • The policy must be purchased within 14 days of initial trip deposit.
  • The client must insure the full non-refundable trip cost.
  • The clients must be medically able to travel at the time of booking.

If these qualifications have been met then your client will be eligible to keep the pre-existing condition waiver should they add costs to their trip.  When they are ready to book the remaining portion or their trip, such as airfare, shore excursions, non-refundable hotel stays or any other prepaid travel costs, you need to contact our Customer Service department. You must update the policy within 14 days of adding costs to the trip or, if not, your clients will lose their coverage for pre-existing medical conditions.

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