Too Late for Insurance?

[brooklynfc]

Sooooo, I think I made a booboo. You think after 7 cruises I might know EVERYTHING (or so my friends tell me).

 

I booked my Magic cruise 670 days out (I bought a house so that expendable income was gone, making payments was my only option.) When I booked I didn't take the Carnival Insurance because I figured I would do another well known website, like I usually do. However, I didn't think I needed to get travel insurance right then, 2 years out.

 

As we are almost a year out, I went to the website to check and there is basically nothing available. Just very basic plans. I would prefer to get the "Cancel for any reason," but my logic tells me that if I had wanted that kind of plan I should have bought it when I purchased the cruise. I can't even find anywhere to purchase the Carnival Insurance on my account.

 

Did I make a booboo or am I just not looking in the right spots?

[nmyorkiemom]

I've never bought the carnival insurance, but have been offered it up to final payment time.

 

I almost always buy CSA Custom Luxe which you can buy up to within 24 hours of final payment and it covers preexisting medical plus other stuff. Through that insurance website.

[gadan1]

I've found that many plans won't be available more than 365 days in advance, so you may just need to wait until you are under a year out. The biggest issue you'll have is pre-existing conditions won't be waived as most plans that do waive them require that you purchase the policy 14-21 days after initial payment.

[spotte]

The CSA custom Luxe would cover pre-existing conditions, but not cancel for any reason.

[okgirl]

I just booked CSA Custom Luxe through insuremytrip.com yesterday for my cruise that leaves in 6 days........don't beat yourself up over forgetting after 7 cruise........I forgot and this is our 31st cruise......:p

 

My policy doesn't cover pre-existing because it wasn't purchased within so much time after final payment, but I don't have any pre-existing conditions so I'm not concerned.

 

I just wanted it for the medical and medevac protection. I'm 57 and my sister is 56 and our policy cost was $102.

[brooklynfc]

Thank you. I will wait and see if waiting for a year helps.

[elliair]

We use TravelGuard (gold plan) which has cancellation for any reason and preexisting. Also try Insure my trip . com.

[allison0523]

Sooooo, I think I made a booboo. You think after 7 cruises I might know EVERYTHING (or so my friends tell me).

 

I booked my Magic cruise 670 days out (I bought a house so that expendable income was gone, making payments was my only option.) When I booked I didn't take the Carnival Insurance because I figured I would do another well known website, like I usually do. However, I didn't think I needed to get travel insurance right then, 2 years out.

 

As we are almost a year out, I went to the website to check and there is basically nothing available. Just very basic plans. I would prefer to get the "Cancel for any reason," but my logic tells me that if I had wanted that kind of plan I should have bought it when I purchased the cruise. I can't even find anywhere to purchase the Carnival Insurance on my account.

 

Did I make a booboo or am I just not looking in the right spots?

 

I guess I don't understand why you would need insurance now as you can cancel outside of the penalty period and get your money back. I just bought insurance through one of the companies mentioned for a cruise I booked today for this Dec. (We are in the penalty period). I too buy for medical mostly as my son has health problems. But I believe you can buy the insurance anytime, it just might not cover pre-existing conditions if you don't get within 14 days of final payment or something. Carnival's insurance seems high for what you get. I think you can find better policies.

[Lerin]

Oh my, you have a year.

We've never even planned a cruise that far in advance, let alone the insurance.

Once I got insurance about 2-3 weeks before the trip, it was no big deal.

[brooklynfc]

Will insurance cover a flight booked with credit card points?