Wait on Insurance purchase

[horns78232]

I am going to purchase insurance, however I'm holding off until it gets closer to my cruise date. Is there a consequence of waiting closer to the date? I am about 2 months out. The concern is if for any reason, something happens right now where I can't go, then I won't be out the insurance money.

[Keith1010]

The problem was that if you have a pre existing insurance you cannot be insured for that if you do not pay for your insurance within approximately two weeks (precise date varies by insurance company) of making your initial deposit.

 

Keith

[horns78232]

I assume you mean pre existing condition, if so that is not an issue for myself or family. So taking that out of the picture, should I wait? Does the price go up for the insurance the closer you get to the cruise date?

[6rugrats]

OP - if "something happens right now" and you can't go, you've already made your final payment haven't you? If you cancel, aren't you in the penaly phase where you may lose most of your money, if not all?

[horns78232]

I am not concerned with cancellation. Yes that could happen, but my concern is to have medical (evac) coverage while on the cruise. So, with that said does the price as it gets closer to departure?

[DFWGUYZ]

Most insurers require to purchase within fifteen days of deposit for the policy to be bound. To my knowlegde the price is fixed at the time of quote but subject to change. IMO purchase within the fifteen days of deposit. Global Alerts covererage for med evac....via insuremytrip dot com

 

Emergency Medical Evacuation

MEDICAL EVACUATION AND RETURN OF MORTAL REMAINS

 

When You suffer a loss of life for any reason or incur a Sickness or Injury during the course of a Trip, the following benefits are payable, up to the Maximum Benefit Amount.

1. Emergency Medical Evacuation: If the local attending Legally Qualified Physician and the Program Medical Advisor determine that transportation to a Hospital or medical facility is Medically Necessary to treat an unforeseen Sickness or Injury which is acute or life threatening and adequate Medical Treatment is not available in the immediate area, the Transportation Expense incurred will be paid for the Usual and Customary Charges for transportation to the closest Hospital or medical facility capable of providing that treatment. If You are in the Hospital for more than 7 consecutive days and Your dependent children who are under 18 years of age and accompanying You on the Trip are left unattended, Economy Transportation will be paid to return the dependents to their home (with an attendant, if considered necessary by the Program Medical Advisor). If You are traveling alone and will be hospitalized for more than 7 consecutive days and Emergency Evacuation is not imminent, benefits will be paid to transport one person, chosen by You, by Economy Transportation, for a single visit to and from Your bedside.

2. Non-Emergency Medical Evacuation: If the local attending Legally Qualified Physician and the Program Medical Advisor determine that it is Medically Necessary for You to return to Your place of permanent residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred will be paid for Your return to Your permanent residence or to a Hospital or medical facility closest to Your permanent place of residence capable of providing that treatment via one of the following methods of transportation, as approved, in writing, by the Program Medical Advisor: i) one-way Economy Transportation; ii) commercial air upgrade (to Business or First Class), based on Your condition as recommended by the local attending Legally Qualified Physician and verified in writing; or iii) other covered land or air transportation including, but not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the Program Medical Advisor. Transportation must be via the most direct and economical route.

3. Return of Remains: In the event of Your death, the expense incurred will be paid for minimally necessary casket or air tray, preparation and transportation of Your remains to Your place of residence or to the place of burial. Benefits are paid less the value of Your original unused return travel ticket. If benefits are payable and You have other insurance that may provide benefits for this same loss, We reserve the right to recover from such other insurance. You shall: a) notify Us of any other insurance; b) help Us exercise the Company's rights in any reasonable way that We may request, including the filing and assignment of other insurance benefits; c) not do anything after the loss to prejudice Our rights; and d) reimburse Us, to the extent of any payment We have made, for benefits received from such other insurance.

[jhenry1]

CSA will insure you for pre existing conditions up until the date of your final payment and the last time I purchased that insurance this past year for our May cruise the price decreased the closer to the cruise date so I wanted until the day of final payment and purchased it and it was around 1,000 les doing that.

 

kandy

[Jade13]

CSA will insure you for pre existing conditions up until the date of your final payment and the last time I purchased that insurance this past year for our May cruise the price decreased the closer to the cruise date so I wanted until the day of final payment and purchased it and it was around 1,000 les doing that.

 

kandy

 

And I found out that the CSA plans vary. The CSA Freestyle plans are the same price if you purchase closer to deposit or at final payment. That plan is the one that we use, covers pre-existing conditions, and we purchase at final.

 

The Travel Guard plan that I looked at gets more expensive closer to final payment.