Another insurance question…..

I’m feeling overwhelmed- I have searched many of the insurance companies/sites that have been mentioned in different forums- We are booked to sail b2b AU/NZ (after cruise with confidence has stopped). On a lot of the policies I was comparing, it said we needed to cancel 72 hours prior to departure-but what if covid test needs to be taken 2 days prior to boarding and that’s when we test positive? Recommendations on policies that let you cancel closer to departure date? Much appreci

My simple answer is NO, there aren't any annual comprehensive plans that work well for most people. All of the annual plans I am aware of have significant holes, and unless the holes are not important to you (because you have other coverage or are willing to self-insure some things), I doubt you will find what I think you are looking for. The common issues I have include: Most plans do not offer adequate medical coverage. All but one have $50K or less and the one with $100K is usu