yfamdiscruise
Mouseketeer
- Joined
- May 14, 2016
- Messages
- 113
We recently booked a placeholder. I always like to book trip insurance immediately after booking a trip so we can get pre-existing condition coverage and cancel-for-any-reason coverage. Usually you have a very small window (14-21 days) to book insurance after putting down an initial deposit in order to get those coverages. I (wrongfully, it seems) assumed that the time wouldn't start running until we actually chose a a specific trip and put down the 10% deposit. I figured there was no way to buy insurance for a trip that didn't yet have a specific date (only "sometime in the next two years"), that didn't yet have a price, and that didn't yet have a set number of people going on it. I didn't see how I could insure a "phantom" cruise, so to speak. However, after talking to several trip insurance companies, I have learned that I should have bought the insurance as soon as I put down the $250 placeholder deposit (or at least within the first 21 days). Unfortunately, I am outside of the 21 days now, BUT I am still within 30 days of that placeholder deposit. Does anyone know of any travel insurance companies that give you the coverage I was describing when you book within 30 days (rather than the usual 14-21)? Or, better yet, does anyone know of a company that doesn't start their clock ticking until you actually assign your placeholder to a specific trip?? I should mention -- if my memory serves me, we can book the DCL trip coverage all they way up to final payment, which would give us the 75% credit for a future cruise within 12 months should we "cancel for any reason", but I guess at this point I'm still hoping to find a company that actually gives a refund rather than credit toward a future cruise.
I hope my questions make sense! I've researched this question myself as far as I possibly can, but I figured if anyone had any last ditch suggestions, it'd be Disboards. Thanks everyone!
I hope my questions make sense! I've researched this question myself as far as I possibly can, but I figured if anyone had any last ditch suggestions, it'd be Disboards. Thanks everyone!