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Originally Posted by Skeptic
The first example was knocked back not because of a mental health problem, but because the event was pre-existing. If the son had a long-term heart condition it would be the same result.
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Not only that, but both of the people actually scheduled to go on the trip were perfectly healthy! They chose to cancel the trip due to the health of another adult who was never scheduled to travel with them. Would travel insurance cover that for
any type of health problem?

The wife said:
Quote:
If I fall down and break my leg I can get my money back, but if I have an anxiety attack and fall into depression, forget it
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She'd get her money back if she broke
her leg, but would she get her money back if she canceled because her adult son (who wasn't involved in the trip) broke
his leg?

I assume the insurance provider would refuse, on the grounds that there is no need for the parents to cancel their trip because another adult broke his leg. I could see expecting travel insurance to cover a cancelled trip due to their
minor child being injured/sick, or maybe a close relative being in critical condition, but a 30-year-old changing his medication? I don't see how that's the travel insurance provider's problem.
Also, the insurance provider said:
Quote:
The insurer, CSA Travel Protection of San Diego, Calif., responded in a letter: "Please note that while your policy offers coverage for sickness, injury or death, it does not provide coverage for the risk of a sickness."
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So it sounds like they didn't deny it because it was a mental health problem, but rather because there was no actual health problem at the time they chose to cancel. There was merely the potential for a problem to develop during the planned medication change.