Pre existing

[camper49]

Hoping to book a July 2025 cruise. We are both 75 & need insurance with pre existing coverage. Can we insure the amount of deposit &then at final payment insure the totals cost? Looking to keep the cost of insurance down…til final payment. Our cruise would be 18 months out.

[DianneCS]

U can do this with travel guard if you insure within 14 or 15 days of deposit.  Then increase when u make pmts.  But price isn't locked in till insured.

[klfrodo]

 

[DianneCS]

You only include the deposit when it says cost of trip.  When you pay more, you change the cost of the trip and pay additional.

[GeezerCouple]

Several policies allow this, so double check that the coverage *you* get does include this feature.  One must start the coverage/pay the premium for the deposit within 10-20 days of making the first payment (it varies by state of residence).

 

Then, as additional non-refundable costs are paid, within that same time interval, up the coverage accordingly.

 

GC

[InsureMyTrip]

As klfrodo commented, you can insure the prepaid non-refundable cost you paid so far - as well as the known trip dates.  As you make subsequent payments and add additional legs to the trip, you can update the policy to include them.  As you increase the trip cost and/or trip duration, the cost of the policy could increase.  One important thing to remember, if you have certain time sensitive benefits included on your policy, such as the pre-existing condition waiver or Cancel for Any Reason (to name a couple), you need to insure any subsequent payments right after making them.  It’s important to know the ‘time sensitive period’ for your plan – typically 10-21 days after making the payment.  If you wait too long to add a subsequent payment or extend the dates of your trip, you could lose certain time sensitive benefits.  Good rule of thumb, if you make any updates to your trip your next call should be to update your insurance policy.