This Foot Problem’s Treatment is Covered

by Steve Dasseos, The Trip Insurance Guru on August 6, 2015

Hi Steve:

Ken and I have been enjoying our Turkey and Greece cruise and unfortunately there’s only a few more days before we have to head home to reality. We’ve seen some interesting places and met very nice people.

I’m not sure I’m going to see the ship’s doctor, but wanted to know if I have to see the doctor on the ship if it’s covered by our insurance policy. Sometime since we left on our trip my left toe and part of my foot started to swell and it hurts. I didn’t fall, I’m not aware that I hit it and I don’t think I got bit, but in case it continues to get worse I was wondering about the insurance. Going to try ice tonight.

I mentioned you and your website to a couple of people on board and told them how terrific you are to work with. Hope they contact you in the future.

Hi to your family and hoping everyone is well.

Smiles,

B____

“Hi B____,

Thanks for writing. We’re all fine. We’ll stop by and see you again when we’re in your part of Wisconsin. I’m sorry about your foot.

  • You will be covered if you see the doctor on the the ship, or even in a port. If you see someone, make sure you tell them it started while you were on your trip. It’s not your responsibility to know how it happened, but it will greatly simplify a claim if it’s some condition that first occurred on your trip, assuming this is true.
  • In addition, even if it’s a continuation of something that happened in the days or weeks prior to your trip, treatment of your foot is covered.

The reason why treatment of your foot is covered, whether the problem started on or before your trip, is because when you bought your policy months ago, any medical condition that first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care or treatment as early as 12:01 am on the day after you bought your policy is covered. It’s not a pre-existing medical condition because it would have started when your policy was in effect.”

As you can see from my email back to B____, treatment of her foot is covered, whether the problem started on or before her trip. I already knew she didn’t have a foot problem when she bought her policy. B____’s policy did include the Waiver of the Pre-existing Conditions Exclusion, but the fact that her foot condition started after the Effective Date means that it’s covered even if she din’t have the Waiver of the Pre-existing Conditions Exclusion.

I hope this makes sense. If you want the right travel insurance advice, call us at 1-888-407-3854 and we'll help you figure it all out.

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