If a family member passes away from a pre-existing condition, am I covered?
Canceling or interrupting your trip due to an unforeseen death of a family member is a standard covered reason within Trip Cancellation and Trip Interruption benefits. Depending on the policy, you may need Pre-Existing Condition coverage.
Standard Trip Cancellation and Trip Interruption coverage can provide reimbursement for your prepaid and non-refundable trip costs in the event you have to cancel or interrupt your trip due to the unforeseen death of a family member.
In all cases, the family member must be considered stable at the time the policy is purchased. If the family member has received a prognosis of death or is currently in hospice care, please look at the policy certificate to see if there are any specific exclusions related to this, as some policies will not provide coverage.
Additionally, some policies look into the Pre-Existing Condition of non-traveling family members, while others do not. This can be found in the policy’s definition of “Pre-Existing Condition.”
If you are concerned about needing to cancel due to an unforeseen reoccurrance or worsening of your family member’s condition, Pre-Existing Condition coverage can provide coverage if the policy looks into the Pre-Existing Conditions of non-traveling family members.
Whether or not the policy looks into Pre-Existing Conditions of non-traveling family members, the family member still must be considered stable at the time of purchase in order to be covered.
Pre-Existing Condition coverage is time-sensitive and typically requires you to purchase your insurance within 14-30 days of your initial trip deposit. Some policies also require you insure 100% of your prepaid and non-refundable trip cost to be eligible for coverage.