said by PX Eliezer70:
As to the guy---Yes, he DID have bowel disease. While 1965 is a long time ago, Ulcerative Colitis is a big deal, and he was CURRENTLY taking medicine for it. So he can't claim he forgot about it, or that it was not an issue.
This one I disagree with. If his treatment out of the country was for the bowel disease I can see not covering it. However, he had pneumonia. They keep people on staff just to see if they can get out of paying claims.
The problem is that many of the forms are f-in confusing. I'll have to see if I can find the one that a relative filled out when travelling a number of years ago. They (and the doctor) read it one way, the travel agent wasn't sure, and together they ended up calling the insurance company to get a straight answer. When the travel agent made the call the insurance agent on the phone couldn't answer the question, which worked out well. Eventually they got a written response, which was nice. It was basically looking for information on if your medication had changed in the past 12 months. ie. it was okay if you had a previous condition, as long as it was under control. However, the question was so poorly written, it really was open to interpretation.
I applied for coverage on an extended trip I took for business years back (our company covered travel, but the number of days I was going was out of the max days). The HR person actually told me to hold off on filling it out as I was a week away from answering no vs. yes on one of the questions for myself. It was minor as I could apply as close as 48-hrs before the trip itself and this was months before hand.