Mr. B. I just bought trip insurance for upcoming trip 5/5-12. I did this because the hotel has strict rules on refunds. I don't remember the company I used (the brochure came with some things from the hotel) but it definitely had the same type of pre-existing conditions policy as well. The only difference there is is that this policy has a 14 day waiver instead of 7 days of the trip down payment. If you'd like, I can get the name of the company for you.