Hello, we have a cruise in 2025 that is $33,000 but our only deposit, so far, is $3,500, 100% refundable until June 2025. Over the course of the next year, airfare and en route stays will add to the total. Qualifying for the medical pre-existing look-back waiver is very important.
Since I have no at-risk deposit, do I still purchase insurance now to qualify for the waiver? If now, for what amount? Should I plan on incrementally increasing the insured amount as costs are incurred?
Thanks for any advice!