cookie38 Posted October 9, 2015 #1 Share Posted October 9, 2015 Booked on a cruise that we paid initial deposit on 10 months ago. Did not purchase trip insurance at the time. My father has found out he has some heart issues and blockage. Afraid to go. Don't want to cancel. Final payment is now due. Anyone still insure me before final payment? anyone else have this same circumstance? thanks! Link to comment Share on other sites More sharing options...
cincicruisers Posted October 9, 2015 #2 Share Posted October 9, 2015 If you are still in time for full refund (deposit) you could cancel trip and schedule for a later time when health issues are more stable. Link to comment Share on other sites More sharing options...
Clarea Posted October 9, 2015 #3 Share Posted October 9, 2015 Booked on a cruise that we paid initial deposit on 10 months ago. Did not purchase trip insurance at the time. My father has found out he has some heart issues and blockage. Afraid to go. Don't want to cancel. Final payment is now due. Anyone still insure me before final payment? anyone else have this same circumstance?thanks! Your father's condition whould not be covered becase it's a pre-existing condition. Better to move (not cancel) the cruise to a later time. Link to comment Share on other sites More sharing options...
TBone2K Posted October 9, 2015 #4 Share Posted October 9, 2015 You can get travel insurance at any time. Can't speak as to how your father's condition would affect your ability to get insured, though. Hope things work out for him. Link to comment Share on other sites More sharing options...
searoses Posted October 9, 2015 #5 Share Posted October 9, 2015 Contact ....tripinsurancestore....you will get a real person who can answer your questions and give you what you need.... Link to comment Share on other sites More sharing options...
ken_nyc Posted October 9, 2015 #6 Share Posted October 9, 2015 My experience with insurance that covers pre-existing conditions is that you have a time limit after the initial booking to purchase the insurance. As searoses said to call and ask. Link to comment Share on other sites More sharing options...
billsgal Posted October 9, 2015 #7 Share Posted October 9, 2015 Go to insuremytrip.com. There is at last on ensure de company that will insure for pre existing conditions as long as the insurance is purchased before final payment. Also. Your father may have his condition taken care of before you cruise. My husband had a heart problem in September, had a heart catherization on September 8 and a triple bypass on September 28. We are planning on cruising on October 25, and his doctors have said he should go. We had made final payment in August, so we thought we would have to cancel the cruise, but he has been home for a week and is doing just fine, so we expect to go. everyone is different, and I had purchased insurance beforehand, so cancellation would not have been a problem. Good luck! Link to comment Share on other sites More sharing options...
billsgal Posted October 9, 2015 #8 Share Posted October 9, 2015 Sorry, damn auto correct....... There is at least one insurance company...... Link to comment Share on other sites More sharing options...
cruisinfanatic Posted October 9, 2015 #9 Share Posted October 9, 2015 pre existing doesn't apply if the dad is not booked on the cruise. Don't think OP ever said he was Link to comment Share on other sites More sharing options...
Susie51 Posted October 9, 2015 #10 Share Posted October 9, 2015 Please let us know what you decide to do. I imagine purchasing travel insurance with preexisting conditions will be quite expensive this close to final payment. What did you find out about the cost of ins.? Link to comment Share on other sites More sharing options...
Langley Cruisers Posted October 9, 2015 #11 Share Posted October 9, 2015 pre existing doesn't apply if the dad is not booked on the cruise. Don't think OP ever said he was Agreed - a little hard to read this one. OP cookie38, let us know if Dad is booked, or if you were wanting trip insurance and advice just for your family. . Link to comment Share on other sites More sharing options...
maureencruiser Posted October 10, 2015 #12 Share Posted October 10, 2015 Agreed - a little hard to read this one. OP cookie38, let us know if Dad is booked, or if you were wanting trip insurance and advice just for your family.. I checked her other posts, she is on Norwegian Escape in January, I don't see her talking about any current Royal cruises. :confused: Link to comment Share on other sites More sharing options...
cookie38 Posted October 10, 2015 Author #13 Share Posted October 10, 2015 father is not travelling with us. I did find someone who is covering us with a prexisting but only because i have not paid final payment yet. Spoke to them at length! Link to comment Share on other sites More sharing options...
cookie38 Posted October 10, 2015 Author #14 Share Posted October 10, 2015 great help from tripinsurancestore !! Link to comment Share on other sites More sharing options...
cookie38 Posted October 10, 2015 Author #15 Share Posted October 10, 2015 yes, on Escape in January. Originally posted here because of habit!! :) Link to comment Share on other sites More sharing options...
Merion_Mom Posted October 10, 2015 #16 Share Posted October 10, 2015 Go to insuremytrip.com. There is at last on ensure de company that will insure for pre existing conditions as long as the insurance is purchased before final payment. Also. Your father may have his condition taken care of before you cruise. My husband had a heart problem in September, had a heart catherization on September 8 and a triple bypass on September 28. We are planning on cruising on October 25, and his doctors have said he should go. We had made final payment in August, so we thought we would have to cancel the cruise, but he has been home for a week and is doing just fine, so we expect to go. everyone is different, and I had purchased insurance beforehand, so cancellation would not have been a problem. Good luck! I am so glad that Bill is ok. Give me a big hug for me? And one for yourself. :) Link to comment Share on other sites More sharing options...
cruisinfanatic Posted October 10, 2015 #17 Share Posted October 10, 2015 father is not travelling with us. I did find someone who is covering us with a prexisting but only because i have not paid final payment yet. Spoke to them at length! you don't need it. Preexisting applies to you, not family not traveling with you Link to comment Share on other sites More sharing options...
cookie38 Posted October 10, 2015 Author #18 Share Posted October 10, 2015 Seaus, I spoke with two other insurance carriers yesterday in length. If something were to happen to my father say, the week before we are scheduled to leave, and I decided to cancel, because HE has a prexisting condition, my cancellation of the cruise would not be covered under most insurance plans.....that is what I am trying to get coverage for. Link to comment Share on other sites More sharing options...
cruisinfanatic Posted October 10, 2015 #19 Share Posted October 10, 2015 Seaus, I spoke with two other insurance carriers yesterday in length. If something were to happen to my father say, the week before we are scheduled to leave, and I decided to cancel, because HE has a prexisting condition, my cancellation of the cruise would not be covered under most insurance plans.....that is what I am trying to get coverage for. totally untrue. You are buying insurance for you, not every friend or relative at home. Link to comment Share on other sites More sharing options...
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