Insurance through the cruiseline... are we covered before final payment?

[Sara Smile]

When booking our cruise I chose the insurance option through the cruiseline. I then paid the cruise deposit. It shows that we have purchased the insurance on our reservation and our final deposit is due within a month. Does this mean we have already purchased the insurance in regard to their pre-existing conditions stipulation or does that begin once we make our final payment? I'm confused.

[BridgeMates]

We were told we had to pay the insurance at the time of deposit to be covered for any preconditions. I think it was Princess that time. Generally we use Travel Insured; however on a shorter Caribbean cruise we've found it somewhat cheaper to just use the cruise line insurance since you don't pay more because you're over 75. Medical/evacuation is what we care about the most as the cruise itself can be pretty cheap.