Denial of travel insurance claim makes hard choice worse When she filed a claim with Allianz, it decided to classify her choice to treat my father’s hospitalization as a “pre-existing condition.” Did this have anything to do with a pre-existing medical condition? Some conventional policies cover existing conditions when you buy them closer to the time of your booking. Or you can buy a more expensive “cancel for any reason” policy. Allianz had relied on your physician’s statement that your father’s medical condition was “existing at the time of purchase.” Allianz apologized for the inconvenience and processed your mother’s claim. E-mail: elliottc@gmail.com Twitter: @elliottdotorg