What should we do?

[LDVinNC]

Situation:  Cruise for November booked months ago, travel insurance in the amount of the deposit bought right away.  Final payment due next week.  Last week a medical test indicated a possible issue for one of the travelers.  Doctor visit later this week, but unlikely a definitive diagnosis (or a clean bill of health) will be determined by the time the final payment is due. 

 

Do we cancel the cruise before final payment?  Afraid that if we proceed, and then we find the traveler needs treatment that would cause us to cancel the trip later, that the travel insurance company would say”  “Well, you knew something was up before you made the final payments on the cruise and insurance, so we are not paying out”.  All travelers were able to travel when the insurance was originally purchased.

 

I think I know the answer – we should cancel and not risk a pretty substantial amount – but am looking to see what others think.  Thanks.

[klfrodo]

I would recommend calling the insurance company (or the broker), explain everything, to include that when the insurance was purchased all parties were healthy, and see if they can help you understand your options.

Edited August 12, 2019 by klfrodo

[Budget Queen]

Do you currently have the insurance???    You need to verify the precise terms of what you purchased.    Wouldn’t some people in your group still go??    And you’re certain all quality for your cancel insurance?   

[LDVinNC]

Yes, we have the insurance.  Bought immediately after we booked the cruise months ago - and it is a couple, not a group. 

 

I will be calling the broker, as klfrodo suggests.  Thanks!

[klfrodo]

Please share with us what you learn.

Your experience might help others down the road.

[LDVinNC]

Spoke to Steve at tripinsurancestore this afternoon.  He took plenty of time to lay out our options.  He said that we would be covered if we made the payment and then later had to cancel, and recommended that we purchase the rest of the insurance (we had only insured the deposit so far) a day or two in advance of paying the cruise line.  He also said that if we cancelled, we probably could transfer the insurance to another trip.

 

Since there is plenty of availability on the cruise, we have decided to cancel and then perhaps rebook the same cruise if things work out.  Just one less thing to think about.