My husband and I booked a cruise and paid our initial deposit on 2/2/2015. We had our travel agent look into travel insurance as I wanted to make sure we were covered for pre existing conditions, as I have a number of medical problems. The insurance had to be bought within 15 days of the initial deposit, which would have been 2/17/2015. Our agent gave us a quote for a basic policy, with the quote including an initial deposit date of 2/3/2015. I didn't notice the wrong date at that time, as I called Travelguard and they told me I needed the silver coverage so that pre existing conditions would be included. I asked our travel agent to look into the silver. She said she would and headed out of town for a trip. She emailed me back on the 18th, said she looked into it, and quoted us a price. I told her to purchase it for us and she did. When I got the email from the insurance company with our policy attached, it said the initial deposit date was 2/2/2015, which was correct based on our invoice from the cruise company. With the purchase date of 2/18/2015, we were not covered for pre existing conditions. I received an email from our agent on 2/18/2015 saying the policy included pre existing clause. I think our agent used the wrong date of 2/3/2015 and so concluded we were covered. I had to cancel our cruise due to medical problems, filed a claim with Travelguard, and was denied due to a pre existing condition. Don't know what to do.