Domestic Partnership and Disney Cruise Line

[JohnathanS]

Hi everyone,

I'm taking my Mom on a 7 night Disney cruise in May and was wondering about the trip insurance. Specifically, my partner's Mother has lung cancer (she's been on hospice for nearly 3 years), and am trying to find out if Disney's classification of "death of a family member", which includes in-laws, applies to domestic partnership. While it's unlikely that something would happen during the trip, it's still a possibility, and I would hate to be out nearly $4000! It's a gray area, I'm guessing. Does anyone know or have any experience with this matter?

Thanks!!

 

[jlewisinsyr]

Hi everyone,

I'm taking my Mom on a 7 night Disney cruise in May and was wondering about the trip insurance. Specifically, my partner's Mother has lung cancer (she's been on hospice for nearly 3 years), and am trying to find out if Disney's classification of "death of a family member", which includes in-laws, applies to domestic partnership. While it's unlikely that something would happen during the trip, it's still a possibility, and I would hate to be out nearly $4000! It's a gray area, I'm guessing. Does anyone know or have any experience with this matter?

Thanks!!

Your best option is to read the terms and conditions of the insurance. I reviewed American Express and their policies and found the following:

Domestic Partner means persons of the same or opposite gender who can provide,
1. Documentation of registration of the Domestic Partner relationship pursuant to a state, county or municipal provision; and
2. Proof of cohabitation (e.g. a driver's license, tax return, or other sufficient proof); and
3. Proof sufficient to establish economic interdependency (e.g., as can be documented by at least two of the following: proof of joint home ownership, lease, or residence; proof of common bank accounts, credit cards, investments, joint household or child expenses; proof of joint ownership of major items of personal property).

Family Member means the Covered Person’s Dependent, son or daughter (including adopted and those who are in the process of becoming adopted, foster, step or in-law), Domestic Partner’s son or daughter (including adopted and those who are in the process of becoming adopted, foster, step or in-law), brother or sister (including step or in-law), parent (including step or in-law), grandparent (including step or in-law), grandchild (including adopted and those who are in the process of becoming adopted, foster or step), aunt, uncle, niece, nephew, guardian, or ward.

Then you need to review pre-existing conditions:

PRE-EXISTING CONDITIONS EXCLUSION
This exclusion is applicable to all Covered Persons, Traveling Companions and Family Members, whether they are or are not traveling.
There is no coverage for any condition of a Covered Person, Traveling Companion or a Family Member if, during the 60 days preceding the Coverage Effective Date, medical advice was given or treatment was received from or recommended by a Physician or Dentist for the condition.
As of the Coverage Effective Date, if the Covered Person, Traveling Companion or Family Member has had a continuous period of Creditable Coverage of at least 63 days, We will not exclude benefits based on a pre-existing condition. If the Covered Person, Traveling Companion or Family Member has had a continuous period of Creditable Coverage for less than 63 days, We will credit the time period of Creditable Coverage towards the fulfillment of this pre-existing condition. A period of Creditable Coverage shall not be counted, if after the period and before the Coverage Effective Date, there was a 63 day period during which the Covered Person, Traveling Companion or Family Member were not covered under any Creditable Coverage.
We will waive this Pre-Existing Conditions Exclusion if the Covered Person meets all of the following requirements:
1. The scheduling and booking of the Covered Trip must be the first and only booking for this Period of Coverage and resulting destination;
2. The Covered Person must be medically able to travel at the time the Policy premium is paid;
3. The premium under the Policy is paid within 14 days of making the first Covered Trip deposit; and
4. The amount of Trip Cancellation coverage purchased is equal to the entire cost of the Covered Trip. The entire cost of any subsequent arrangements added to the Covered Trip (or any other arrangements not made through a travel agent) must be insured within 14 days of payment for those arrangements.

With the above said, clarification of when you knew about the cancer and when you booked your trip is important to determine eligibility. Your partnership also has to meet the criteria.

 

[tiggr33]

It will vary policy to policy as to both points the PP mentions. I would go to site like insuremytrip.com and look at the policy's available. In general as for trip insurance costs and coverage, I for one, would suggest NOT to use the coverage from DCL.

 

[JohnathanS]

Thanks, to both of you! I didn't even consider the "pre-existing condition" factor. I was able to get exactly the coverage I needed (Domestic Partnership, pre-existing coverage) from the site that Tiggr33 mentioned! Now all I have to do is count the days till the trip