While onboard over the Christmas 2021 / New Year 2022, we made on onboard booking for a cruise in April 2023. I emailed by TA to have her to secure trip insurance for the deposit and to get pre-existing conditions coverage. She said TravelGuard was overwhelmed (Omicron surge) and only operating by email request. Numerous times over the next ten days I emailed to see what the status and often received no answer. When she did respond, she seemed confident it was all was fine. Until it wasn't. No, she can find no copy of her correspondence with Travel Guard and we were left with no insurance to cover preexisting conditions until it was too late.
My husband both are cancer survivors and have other health issues, so I have always booked trip insurance. I am tempted just to cancel the cruise and look for another, except there is nothing I like as well. I have told my husband that I just don't feel good about it and he will defer me.
Any thoughts? Is there any point to getting insurance before making our final balance payment in December 2022? I've never had to worry about look-back periods before, etc.
Thank you in advance for your time and expertise!
Yes, and getting a new TA is on the list too!