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Old 05-29-2012, 11:05 AM   #1
lindadarrall
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Trip insurance "look-back period" - help!!

DS has a chronic illness but had surgery after the first of the year and is now doing much better

In planning our trip for December I am looking for private trip insurance so I can get the pre-existing condition exclusion waiver. Every policy has a different "look back" period, where the insurer can look back at you records for "x" number of days before you bought the policy.

To my mind, I think I need the 180-day look back so they will see this major surgery early in the year and say gosh, yes, he DOES have issues with this illness and we will cover this claim. When I called insuremytrip.com they told me a shorter look-back is better, but there's really not much in his recent medical history because the surgery helped him soooo much!

But just because he's well today... Doesn't mean he'll be well in December.

Do I trust my gut on this and get the 180 day policy?

Has anyone else had any experience with this? FWIW, I emailed our family insurance agent and he wS clueless.
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Old 05-29-2012, 11:25 AM   #2
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No experience but I would go with what the person at insuremytrip.com told you. The best way to describe insurance I've heard of is to compare it to gambling in a casino. In the case of insurance the insurance company is the house and is betting that it's going to collect money from you and either not have to pay anything or pay very little and you're betting against the house that you're going to have large bills be it car repairs, health expenses, home repairs etc. So it's in the best interest of the insurance company's bottom line to pick those people that are in good health, have a good driving record etc.
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Old 05-30-2012, 08:06 AM   #3
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I did a little more research and maybe a shorter period * is * the way to go...

So confused!...
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Old 05-30-2012, 11:21 AM   #4
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Good Luck
We have never looked into trip insurance, It does sound very confusing..
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Old 05-30-2012, 03:47 PM   #5
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It makes sense to me -- it's how far back they can look for evidence of illness to exclude it from coverage.
The shorter the lookback, the smaller the sliver of time they can use to determine the condition was there.
If you have a longer lookback, and the surgery/treatment was within that time period, that's what makes it existing at the time of the policy. A shorter lookback, where everything is fine, is helpful to you.
They aren't trying to analyze or understand the condition -- it's just a question of whether it existed.
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