how the heck is a pandemic not allowed as a reason for cancellation on Disney trips?
With most DVC rentals they are not allowed to be canceled or changed for ANY reason.
And this is what you agree to when you rent in that fashion.
If you buy trip insurance for DVC rentals, that insurance won’t cover you for this reason. Now if you break your pelvis in a car accident and can’t go, it would cover that. There are many things it would cover you for. But pandemics aren’t one is them.
My basic Google University knowledge believes that if you purchased insurance before the end of January 2020, you have a right to dispute this claim.
No. Pandemics aren’t covered, period.
I am aware of that, but insurance companies have to have "foreseen date" to apply to claims. If you purchased insurance before the pandemic was considered "foreseen," then there is a right to a claim. Again, I've just done some basic reading, but if I had 4-5 figures in a loss, I'd invest $300 in a lawyer to consult on the topic.
You are confusing specifically named things that aren’t covered, and pre existing conditions.
Pre existing conditions mean medical conditions in a person that were new or had new changes within a certain time before buying the insurance. Not conditions of the world.
Hope you don’t have a pre-existing condition. Hope your family doesn’t have pre-existing conditions.
As long as those conditions haven’t changed at all in the time period (as stated by insurance) before you bought the insurance, it would be covered.
Going back to my married life... I was the caregiver for my MIL. She had a multitude of conditions. If I wanted to go on a trip and bought regular trip insurance, I’d check the lookback period. Let’s say it’s 90 days. So I book a trip and buy insurance. And either she falls ill and we cancel, or she falls ill while we’re on the trip and we have to go home. Let’s say it’s a stroke, which she has a history of. As long as she’s had no change in condition or medication 90 days before I bought that insurance, and her doctor will fill out the paperwork, I can claim it.
But if she had a stroke or changed medication because conditions were worsening 40 days before I booked and bought insurance, it won’t be. They lookback that amount of time.
And that’s why some insurers sell products with a PEC waiver. It waives the lookback period.