E.g., would my husband's high blood pressure be considered a "pre-existing condition" which would exclude coverage if he had a stroke or heart-attack, etc.
Each plan has a Pre-Existing Condition Period, The Pre-existing condition period is the number of days that the insurance company will "look back" from the day the insurance was purchased, to see if your claim is related to a Pre-Existing Medical Condition. If the reason you are canceling, interrupting or seeking medical coverage is related to pre-existing conditions there will be no coverage. A Pre-Existing Condition is any diagnostic tests or exams, any recommendations for diagnostic test or exams, or any adjustments in medication up or down in the past 60 days to 3 years (depending on the company). Most policies will offer a waiver of pre-existing conditions if you meet the following conditions: You purchase the policy within 10 to 21 days of making your first trip payment; insure ALL prepaid non-refundable expenses prior to your departure date; and be medically fit to travel the day you purchase the policy.
Medical Pre-existing condition waiver: If a small deposit was made through a travel agent over a year in advance (August 2013) for a cruise, would the date for purchase of insurance be that date or the date required for making the final payment (June.2014)?
The initial payment made in August would be the initial trip payment, if this was just a case of you putting a deposit down on a scheduled cruise.