Hi there. My question has to do with travel insurance claims, so I'm not sure that you will be able to help. I am insured with the Active Retired Teachers plan which is underwritten by Allianz Global Assistance, and was recently treated in Florida for a sudden onset of pain and numbness on the left side of my face. The doctor there suspected stroke, lesions or Bells Palsy and ordered a CAT scan which was approved by the Insurer over the phone. Fortunately I was given the all clear, although I continue to suffer numbness on my left side of the face. I am following up with my family doctor now that I am home. My question relates to whether the Insurance Company can claim that this was a pre-existing condition, as I was treated for an Ear Infection before I left Canada. Our telephone conversations to date have made me suspect that they will try to connect the one with the other. Any advice appreciated!
We certainly deal with travel insurance claims. However, I can't determine if a particular condition could be used to justify a denial of coverage based on a "pre-existing" exclusion provision without reviewing the policy. My advice is to continue dealing with the insurer and if they deny coverage in the future contact me immediately so we could help.