by Guest » Thu May 10, 2012 11:17 am
Can anyone please specify the lookback period for travel insurance? If my trip gets canceled or delayed later on, will I get a refund or not?
And sorry for the inconvenience, I couldn't find a forum here for travel insurance. So I posted my query here only.
And sorry for the inconvenience, I couldn't find a forum here for travel insurance. So I posted my query here only.
Posted: Fri May 11, 2012 12:16 pm Post Subject: travel insurance
The look back period for travel insurance generally extends from 60 to 180 days, before the policy purchase date. The insurers determine whether or not a claim is related to a pre-existing condition within this time period.
Posted: Fri May 11, 2012 12:18 pm Post Subject:
You can change your travel dates if your date for the trip changes.
Posted: Sat May 12, 2012 12:29 am Post Subject:
The look back period for travel insurance generally extends from 60 to 180 days, before the policy purchase date. The insurers determine whether or not a claim is related to a pre-existing condition within this time period.
It's always interesting to see what non-insurance-licensed persons have to say about insurance products.
This statement is ENTIRELY INACCURATE.
Travel accident insurance only covers ACCIDENTS. There is no such thing as a preexisting accident. So there is no "look back period" for accidents.
StacyBarbee . . . when you become a licensed agent you might learn about things like this. Feel free to respond to posts, but only post things you actually know.
Posted: Mon May 14, 2012 10:47 am Post Subject: Look back period for pre-existing medical conditions
Hello MAX
FYI I was actually not talking about accidents. The lookback period for travel insurance actually considers pre-existing medical conditions.
You can check the following sites for more details:
http://www.tripinsurancestore.com/3/lookback.shtml
http://traveltips.usatoday.com/travel-insurance-existing-medical-problems-13382.html
Posted: Tue May 15, 2012 12:01 am Post Subject:
The confusion here is between "travel ACCIDENT insurance" and "travel insurance." Some policies only cover accidents incurred while traveling on a common carrier. This is "travel accident" insurance and has no pre-existing conditions limitation. As Max stated, there's no such thing as a "pre-existing accident."
Some policies, "travel insurance" policies, are intended to cover illness while traveling outside of the geography in which a person's medical coverage would pay for losses. More and more major medical expense contracts will cover the insured worldwide, but others limit the coverage, for example, to the U.S. and Canada. Without travel insurance, medical concerns may not be covered outside of the plan's geography. Just about every plan will cover emergent need anywhere in the world... but it's always a good idea to check.
Finally, while the websites pointed out by Stacy are, well, ok, they failed to mention that different states have different definitions of what's legally considered a "pre-existing condition." Some states will allow pre-x language along the lines of "a medical condition that has been treated within "x" months prior to the effective date of coverage or a medical condition in which a prudent person would have sought medical treatment."
Other states have more restrictive language and will not allow the "prudent person" consideration. "A medical condition that has been treated within "x" months prior to the effective date of coverage" is the only consideration some states will allow.
InsTeacher 8)
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