Any insurance?

[Marrila]

We have purchased Allianz. We purchases them again for our March 2023 DCL cruise. It’s cheaper than DCL, covers the whole trip (flights, car travel, hotels before or after, etc). We need it due to DHs pre existing condition and you have to buy it within 2 weeks of your first payment if you want pre existing coverage. Pre existing conditions as defined by insurance is broad—basically if you have seen a doctor for it or are on prescriptions for it (even if well controlled) it’s pre-existing. So if your policy excludes pre-existing conditions that may be tricky. We have filed claims twice with them with no problems—once when my grandmother died the day before we were supposed to leave for Portugal and another time when I got Covid and we had to cut our vacation short.

As you explain, it's possible to get coverage for pre-existing conditions. We use Allianz as well, and purchase the travel insurance within a few days of booking the cruise.

 

[Mango7100]

DO you book the "One Trip Prime"

Yes. If you go to the website the banners give a breakdown of each plan. That one does Covid, pre-existing conditions, and kids are insured for free with traveling with a parent.

 

[n2mm]

I got annual insurance last year through the comparison website. It didn’t cover everything. I have good health insurance and good dental insurance, so I got a plan that covered medical evacuation. I took 5 cruises under this plan. I was still nervous, but with the flexible covid cancellation policy this past year, that helped too. Now that the flexible policy has ended, I’ll have to do the math again. It seems every cruise now we have to divert to another island for a medical drop off. Plus my November cruise we encountered our first “bright-star” cabin announcement in the middle of the night, it was hard to sleep afterwards. That’s an eye opener. Plus a guest fell in the lobby and hit his head and was hospitalized. I just to not think of these things, but realize now it can happen to anyone at anytime, plus too much sickness onboard.

 

[kiford]

And most love pre-existing conditions. Even though my blood pressure is medicated and well under control, if something happens that they deem related to it, I'm NOT covered. Yikes

You just have to read the policy in detail and select the right one. The policy will specify if they will cover a "managed" or "stable" pre-existing condition, then will define what that means. For example, for at least three months prior to the trip, there has been no change in medication or treatment, the condition hasn't gotten worse, there has been no hospitalization or trips to the doctor or referrals to specialists, there are no new tests that are outstanding or ones for which there are outstanding unknown results, and there are no new symptoms. Obviously, the policy will cost more than ones that don't cover pre-existing conditions but not necessarily a huge difference. While neither DH nor I have any pre-existing conditions, all of the travel medical insurance we have purchased, plus my insurance at work, have this or a similar definition. Of course, the coverage is then only for emergency/acute issues related to the pre-existing condition and not for routine treatment of said condition while away. Not saying that they won't find a reason to claim that your condition isn't stable or managed if something happens.....