I booked a family Disney cruise to Alaska with 11 family members. I purchased the AON insurance thru Disney. My son had to cancel for medical reasons. He provided a drs note stating he was unable to fly due to his hip and back injury. Our trip was booked on 6/25/23 for travel on 8/3/24. We purchased the ins on date of booking. At time of cancellation I was told policy started on 4/3/24 though I purchased it on 6/25/24. Why was it not in effect for date of purchase ? Apparently Disney doesn’t have AON provide coverage until the final payment for the cruise is made .any condition that occurred before 2/3/24 would not be covered it would be considered preexisting and denied. My son’s back condition was treated in March and was stable until 7/22/24. So it was a worsening of a condition which was stable when policy was purchased. Both Disney and AON insurance are very deceptive and pass the blame back and forth to avoid responsibility for their deception.
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