The Worldwide Trip Protector from Crum & Forster - Travel Insured International is a comprehensive trip cost protection plan. Coverages offered include Trip Cancellation and Interruption, Trip Delay, Missed Connection, Itinerary Change, Cancel for Any Reason, and Pre-Existing Conditions Waiver.
To learn more, see the Crum & Forster - Travel Insured International Worldwide Trip Protector product page.
Your CF Travel Insured plan has a preexisting condition period of 60 days which is the number of days that the insurance company will "look back" from the date you purchased the policy to see if your claim is related to a preexisting medical condition. If the reason you are canceling, interrupting or seeking medical coverage is related to a preexisting condition, there would be no coverage under your policy so your claim would be denied.
The best way to avoid any confusion over a preexisting medical condition is to purchase a policy with the waiver of that exclusion. You can purchase most policies up until the day before departure. However, the best time to purchase travel insurance is right after you put money down towards your trip. The preexisting condition waiver is a time sensitive coverage that requires you to purchase a policy within 10 to 21 days of your initial trip payment. Unfortunately you did not qualify for the waiver since you purchased this plan more than 21 days after your initial trip payment.
Please call us at 800-487-4722 weekdays from 7:00 AM to midnight EST or weekends from 9:00 AM to 9:00 PM for assistance in quoting or purchasing a policy.