Posted April 21st, 2018, 11:42 AM
Strongly suggest that you CALL
as well as reading anything online.
They'll help walk you through some choices of policies (and perhaps different insurers) that "fit your needs". Talk openly with them, so they CAN get you the right fit.
We have similar situation. MIL is approaching 100. She's still alert and active (!!), but... certainly has a variety of "medical conditions".
So we need the same type of coverage you seek, one that would cover her illness or worse, even if related to a pre-existing condtion.
We keep getting the same type of policy because our needs/preferences haven't changed.
We've purchased Travel Insured policies through Trip Insurance Store, and we have had several claims, including two large ones.
Travel Insured has paid each claim with no nonsense, so... we'll keep using them!
We also get CFAR (Cancel For Any Reason) coverage. This does add to the cost, about 50%, so not cheap.
We add this for two reasons. First, at MIL's age, IF she said, "I just don't feel right"... DH would definitely want to stay, even if MIL insisted we go. Obviously if a physician declared her sick/etc., the regular insurance would cover that, but DH would refuse to go if MIL "started to get sick". At her age, any little thing can progress quickly...
The second reason is that especially for trips planned FAR in advance (most of ours are 1-2 years in advance), he can't be sure about his work schedule. It's all "up to him", but he enjoys his work, and wouldn't want to miss some big conference he had organized, for example! (Yes, he's well past "regular" retirement age. SOMEday, he'll retire. I'm satisfied that he finally agreed to "real" vacations :-) )
Also, in this day and age, we might get skittish about some conflict/etc., somewhere, but a place that isn't "declared unsafe" by State Dept or such. And then we'd much prefer to get 75% back rather than nothing.
For now, this is "free" b/c we have the MIL health situation. We'll need to re-assess once that concern isn't, um, still a concern...
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