Hi:
You can get insurance but it won't cover "pre-existing" medical problems
either for you or a relative that you have to cancel because of a
problem. To get the waiver, you have to purchase it within a certain
amount of time after making your first deposit.
The only time I got it was when we travelled to Europe. I didn't buy it
for cruises until my MIL's health started going downhill. What did I
collect on? Not her, a ship that blew up (Norway). It covered my
non-refundable airfare and I had no problem collecting. Then I saw a
serious leg break from a person on one of our cruises and listened to
the cash register going ka-ching, ka-ching, ka-ching. Another time a
woman was recounting the expenses she incurred when her husband had a
heart attack scare on a cruise. Another time my BIL had to return home
the first day of a land vacation because his step-father died. Those
incidents have made a believer out of me, I buy it and just chalk it up
as the price of doing business. By the way, the woman whose husband had
the heart scare had to pony up $25K in Nassau to get him in a hospital,
insurance or no insurance. I now carry a credit card with a very large
limit on it to cover that contingency. She said she was lucky, between
all in her party they scared up the money on credit cards. She said she
had no problem collecting either although it took awhile.
On trips, most of the third-party insurance is based on cost of the trip
and age. They have not gone into health issues with us to date.
Tucker in Texas
|
