We are planning to use trip insurance for the first time for a Panama Canal cruise. We've heard so many horror stories about things not being covered, we wanted to make sure we use the right carrier. Please share your experience if you've ever had to actually USE your insurance and what was your experience? We will probably opt for "cancel for any reason".
Here is my answer, from the previous page of this thread, where there are other discussions of travel insurance claims that were paid:
As we mentioned above, travel insurance is for "travel" expenses.
In fact, even WHILE traveling, unless one has *primary* medical coverage with the travel insurance, the travel insurance will only cover any medical costs incurred AFTER one's regular health insurance has denied the coverage, or for any portion that was denied.