disney travel insurance worth it? Advice?

[lanejudy]

If you wait to buy the insurance, it likely will not include a "pre-existing condition" waiver -- and anything related to OP's husband's cancer would not be covered. To get a PEC coverage that close to the cruise, yes it is likely to be more expensive. It's usually possible to get PEC waiver for no extra cost if insurance is purchased within 14 days of making deposit (may vary by insurance company).

Enjoy your cruise!

 

[Minnie368]

Other than pre existing conditions coverage, is there any savings if you buy sooner? We were also thinking of waiting to purchase until our paid in full date. We booked months ago, but none of us have any PEC.

 

[Dug720]

Anyone questioning getting insurance should go and check out the thread about Galveston on the RCCL forum on cruise critic. One poster in particular chose a cruise out of Galveston to celebrate their 35th anniversary during hurricane season and chose to not get insurance because they've cruised (though not out of Galveston) at this time for years and never had a problem. They are now facing having had their flights cancelled and a cruise that still has not been and RCCL as of the last time I checked that thread is still thinking they're getting the ship out tomorrow and offering no alternatives (the person even called and spoke with a supervisor about changing to a cruise out of Florida where they could have driven - no dice...Carnival is actually coming out looking better than RCCL in terms of their handling of the circumstances surrounding Harvey). If the poster had purchased insurance, it would now kick in because of the cancelled flights. But as they didn't...if the cruise DOES go as scheduled, they are out all that money. AND a 35th anniversary vacation.

editing to update: Apparently they have finally given people the option to cancel and get 100% towards a future cruise credit or go (assuming they get in sometime tomorrow and leave on Monday) and get 25% future cruise credit.