Here's an update. I have reviewed the full policy and especially the pre-existing conditions coverage. And looked at some other companies policies. Basically, the "waivers" are only given: 1) if you purchase coverage right after booking and paying at least a deposit The premiums for both these trips were actually paid last year and applied to these trips as future cruise credits. Or 2) you book a new trip after you have the travel policy in effect. Or 3) continous coverage
At our ages, we naturally have some health issues. My husband has a pacemaker, but has had no issues with it in the past 120 days. Has type 2 diabetes and had a recent regular doctor visit who changed his prescriptions . If he has a stroke, will they decline coverage ? Who knows.
Anywhooo, we will pay about $ 1,000 for an annual policy. Have an Alaska trip, then Europe and TA cruise and will probably book something big for Spring. That trip would then have the "waiver"
You only have one life and we will travel as long as we can.