Insurance for Risky Bermuda Cruise

[rubinstein2r]

We are three siblings planning a Bermuda cruise in June. The spouse of one of us has metastasized cancer which is the whole reason for this trip…. it's on her bucket list. We recognize that there is a significant risk she may not be able to go. If she can't go, none of us wants to go. We just booked the trip yesterday and realize we may need to buy the insurance quickly. Can someone give us advice on the best insurance to buy in this scenario? We are cruising on Celebrity if that makes any difference.

[GeezerCouple]

We are three siblings planning a Bermuda cruise in June. The spouse of one of us has metastasized cancer which is the whole reason for this trip…. it's on her bucket list. We recognize that there is a significant risk she may not be able to go. If she can't go, none of us wants to go. We just booked the trip yesterday and realize we may need to buy the insurance quickly. Can someone give us advice on the best insurance to buy in this scenario? We are cruising on Celebrity if that makes any difference.

 

Yes...

Contact Steve at TripInsuranceStore.com

 

There is at least one policy that gives you 21 days from the point of making a reservation, to get a policy such that PRE-existing conditions ARE covered.

I think there is another that allows 14 days to purchase the insurance.

My understanding is that family members traveling together (and perhaps non-family traveling together) would ALL get the same coverage if one can't go.

 

You might want to spring for the extra "CFAR" (Cancel For Any Reason) coverage (would pay 50%, 75%, or 90% depending on policy) in case there is NOT a "medical necessity" that the spouse not travel, but maybe you all just don't feel like going at that time because it's too worrisome, or such.

 

Just make sure you tell the agent EXACTLY what the situation is, so they can match you with the right coverage.

 

And good luck to the spouse, and to all of you.

We hope you WILL be able to enjoy the trip.

 

[Note: We just had to cancel our cruise and land tour because DH had emergency surgery about 2 weeks before we would have left home. The plane left without us 2 days ago; the ship sails without us on Saturday. We can focus on DH's health and comfort, and also the disappointment - knowing we'll be able to reschedule in a few months. I can NOT imagine needing to add to the concerns not having the insurance money to pay for the re-scheduled trip. It's difficult enough without worrying about the money aspects. As it is, prices have gone up quite a bit, so we'll still need to spend more, but certainly not double or more.]

 

GeezerCouple