The Access America wording of pre-existing condition is:
'Any injury occurring prior to and including the effective date of insurance and any illness during the 120 days prior to and including the effective date for which medical diagnosis or treatment by a Physician has been sought or for which symptoms exist which would cause a prudent person to seek diagnosis, care, or treatment.'
They supposedly do not count medical conditions for which you have been seen that are under control if you are healthy enought to travel at the effective date of insurance.
For example, my DD with diabetes sees a dr every 3 months but if she was healthy and in control and able to travel at the time of purchase it should not exclude her from coverage.
Since this trip is so far away, it is that 3 month period from final payment to the trip that is the gamble, because if something happened you could just cancel.
There was a time not too long ago that we didn't have any pre-existing conditions either, so I understand those that are 'that type'.
My understanding is that the
AAA Access America family plan offers higher benefit levels than the Disney Access America plan and the AAA plan is free for kids, I'm not sure why people buy the
DCL coverage instead. Is it refundable if you cancel the trip? Can anyone explain that to me?
