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Question:

My mother and I are travelling to the US in December and we would like to purchase US travel/medical insurance for our trip. She is 84 years old and has pre-existing medical conditions. I am 61 and have no pre-existing medical conditions. My mothers' are managed with oral medication and she hasn't had any related medical emergencies or treatments for them in the last 3 years. I understand that she can't be covered for ongoing treatments for these but can be covered in the event of an "Acute onset of a pre-existing medical condition" which I understand to mean she would be covered if something unexpected happened that was related to one of her pre-existing conditions. I would be grateful if you could confirm this. My other questions are: We will be travelling to the US aboard the Queen Mary 2 from the UK. Would this insurance cover us for this part of the trip? Would this insurance cover us for cancellation of our trip due to an "acute onset of any of her pre-existing medical conditions"? We have taken advice from our UK based Doctor and he has confirmed that she is fit for travel. If it helps our travel plans and dates are as follows 15th December 2019 - Queen Mary 2 - 7 nights crossing from UK (Southampton) to US (New York) 22nd December 2019 - arrive New York - 6 nights at the Grand Hyatt 26th December 2019 - Fly Virgin Atlantic overnight New York to London arriving 27th. Any information you can provide would be much appreciated

Answer:

Thank you for your interest in purchasing insurance through us.

We provide insurance from many companies. We have emailed you separate quotes for yourself and your mother.

You may read more information on the Acute Onset benefit here.

Please compare the plans, review the policy certificate wording and feel free to contact us if you have any further questions.

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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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