What does pre-existing conditions mean? What if we have something we didn't know about when we booked? Or if a family member dies of a heart-attack due to a weak heart that no one knew about but obviously had?
Are only accidents covered? I'm confused by what that means. Can you explain?
A PEC is something that has been diagnosed by a doctor.
Let's say you booked a cruise on 1/1/08 for 8/1/08. You purchased insurance on 2/1/08 from an outside company, after the PEC coverage by most insurance companies [not DCL's]. on 4/1/08 you are diagnosed with a heart problem. On 7/1/08 your condition worsens and you need to cancel the cruise. This was not diagnosed before you purchased the insurance so it is not a PEC and should be covered.
Let's say the family booked the same dates but purchased DCL's insurance adding it on at the time they booked the cruise 1/1/08. However DCL does not actually purchase the insurance until the final payment date so aproximately 5/15/08 for this example. PECs are anything that are diagnosed within 60 days before the insurance
was purchased so since the condition that was diagnosed on 4/1/08 is a PEC since it falls within that 60 days so anything resulting from that condition will NOT be covered by the insurance. This means that if you need to cancel on 7/1/08 due to complications from that condition, you would be out the 50% cancellation penalty for canceling after 45 days PLUS the cost of the insurance that you purchased and that insurance will not be paying you a cent because you are canceling due to a PEC, which they do not cover.
This applies to any family members who will be staying at home and not cruising with you whose health would make you decided to either cancel the cruise or leave the cruise early if something happened to them.
Change the person with the heart problem to one of the adult's fathers. Same dates or purchase and diagnosis on 4/1/08. The Father has a heart attack on 7/30/08 which makes the family cancel their cruise. In the first case with non DCL insurance the claim should be covered. In the case with DCL's insurance, it would not be covered.
This has happened to people who have purchased DCL's insurance and thought that they were covered. That is why we now know about this on the board.
