Trip cancellation insurance for surgery?

[Buckimion]

My summer WDW trip was canceled after experiencing kidney failure but now things are stablized and I'm looking at next summer. (Luckily I hadn't paid for anything prior.)

I'm currently on a list for a transplant. The average wait time is about a year here but I >could< get called at anytime. I'm looking at purchasing the trip insurance in a disney package but do they cover trip cancellation in the event I do have to have my surgery?

 

[Selket]

I have wondered myself if the trip cancellation insurance sold most places covers something like what you have - a "pre-existing" condition?

I think I talked to them once about buying the insurance (when I made my WDW ressies) and they gave me a phone number to call to the insurance company for specific information - and they sent me a brochure of some sort too I think.

I guess I'm just suggesting to see something in writing from them that they would cover your situation if needed.

 

[Cheshire Figment]

I would suggest calling Disney Travel Company and ask them to send you a copy of the policy (or at least a brochure) for your review in advance to assist in making a decision. You might want to speak to a supervisor and explain your situation, and ask specifically if that would be covered and if it is in writing.

 

[vhoffman]

Best to call the insurance company direct, but the ones I've seen usually cover a pervious existing condiiton if you haven't had treatment, hospitilization, etc., for a period prior to the trip, something like 30-90 days. That't to keep someone from having a accident, buy the insurance, then file a claim!

 

[Buckimion]

My AAA agent got me a package that includes 'Cancel for any reason' insurance. I don't know if this is the official WDW insurance. I had previously contacted insuremytrip.com and they named 2 providers that also had the 'Cancel for any reason' provision. One would have cost $110 (As opposed to WDW $120) and the other was around $130.