Insurance coverage\provider question

[Embre]

I am planning on booking a cruise for next fall shortly. Generally I purchase a standard insurance package, but this time I have a traveling companion that requires specific coverage. In a nutshell, she has ailing in-laws. Is it possible to get insurance that would cover both trip cacellation and return home travel expenses, in the event of a medical emergency/death of family members (most specifically her in-laws)? How do I go about ensuring that these are covered?

 

Does anyone have any specific companies to recommend?

 

Thanks for your time.

[Happy2cruise]

 

Does anyone have any specific companies to recommend?

 

Thanks for your time.

We use tripinsurancestore.com and have been extremely satisfied with the service received. Steve and his staff are very knowledgeable and will work with you to get the correct coverage you need for your particular situation or circumstances. Good luck!

[GeezerCouple]

We use tripinsurancestore.com and have been extremely satisfied with the service received. Steve and his staff are very knowledgeable and will work with you to get the correct coverage you need for your particular situation or circumstances. Good luck!

 

We absolutely recommend http://www.TripInsuranceStore.com !

 

In addition to being exceedingly helpful in terms of our getting the right type of coverage for our particular needs/preferences, they were also very helpful with one of our two (large) claims.

 

The first claim was straightforward, but not the second one.

We had a medical emergency in the middle of a land trip in Europe, and it required a major change to our itinerary - and some hefty extra expenses that weren't medical.

 

We were assuming that this wouldn't be covered, because we were able to resume the trip after about a week.

 

Steve contacted our travel insurer (kudos to Travel Insured - again!) and then told us how to characterize the claim.

 

All of our extra expenses were covered.

 

We are always careful to get coverage that waives the exclusion for pre-existing conditions. That means there is no bickering over whether the travel medical emergency is/is not related to any pre-existing condition. It also means there is no need to provide lots of medical history or records of care, which can take time and effort, and also delay having a claim paid while the insurer sorts out whether there is a relevant pre-existing condition.

[cruiseco]

By the way, you don't have to be covered by the same insurer. You can pick the best policy for your needs and your traveling companion can do the same. However, if there is a claim it's quite a bit easier if you are both with the same insurer and even easier if you are on the same policy.