klfrodo

Not sure what you're asking for. If I don't take a flight that I've paid for, I don't earn the mileage. My advice would be to do better research and educate yourself better on what insurance does cover and more importantly, what insurance does not cover. Here's a good link to begin that education Travel Insurance Frequently Asked Questions « Get the Best Trip Insurance Details, Advice (tripinsurancestore.com)

I think it's disingenuous to downplay what the OP experienced. As with any profession, there are bad actors out there and the first line of defense, I would think, would be that the good actors acknowledge that and then do everything in their power to ensure the bad actors get buried under the prison.

Went to Cancun during the pandemic. The resort (RIU) which is a Spanish (Spain) company offered a free medical insurance policy. I believe it was Helix (another Spanish/Spain company). The policy did state that before going to a hospital, one of the requirements was that we had to notify the insurance company first. As it turned out, my wife did require a hospital visit. (Trip and fall with broken wrist and facial lacerations). $3600 upfront payment required before treatment. The hospital did a great job. Because I wasn't thinking right due to the anxiety and more concerned about my wife, I failed to notify Helix prior to going to the hospital. They denied the claim. I was able to file a claim with my BCBS work policy which did have an international rider on the policy. They reimbursed about $2400. Moral of the story, read and understand the policy. Maintain situational awareness during an emergency.

Have you heard of this program? It might be of some help with travel. Air travel and the Sunflower (hdsunflower.com)

I always buy my insurance with the idea that in the event of a claim, the insurance company is going to do anything and everything to not pay the claim. My wife and I have medical conditions that have not changed in the past couple of years. Therefore, under the definitions, these should not be pre-existing conditions. With that being said, I always follow the requirements necessary to ensure that I buy the insurance that includes the waiver for pre-existing conditions. Gives the insurance company one less reason to deny my claim.

I self-insure the cost of the trip but I do insure the potential unexpected medical emergency. I'm fortunate enough to be able to absorb the loss of the trip in case of needing to cancel. I cannot absorb the cost of emergency medical care due to a car accident, a moped accident, the zip line breaking, a stroke, tripping and falling down the Spanish Steps, etc. I do this by limiting the amount of coverage under "Trip Costs". Insurance companies price out their plans in $500 increments. I use the Trip Cost of $500. This way, should I miss a flight or so, I still receive 150% ($750) of trip cost under Trip Interruption or Trip Delay for hotel, meals, transportation, and still receive the max medical coverage of the policy. If pre-existing condition waiver is needed, some States require that you include 100% of all non-refundable expenses in the Trip Cost. Others do not. I see that you're in your 50's and in good health. Good for you and I wish you nothing but good health. However, in the 50's is when I slowly started losing friends who were also in good health. Things happen to good people.

I'm not aware of one anymore. I know Nationwide was one but that stopped also. Maybe someone else is aware of a company that still does. Then again, maybe I'm not understanding what it is you want coverage for. Just the fact that the ship doesn't stop at a scheduled port. Or you're looking for coverage for a non-refundable deposit you place on an independent excursion that you may not be able to take when the ship can't stop at a scheduled port.

But they don’t block WhatsApp

I'd at least consider adding Medjet Assist. Discount available if you are an AARP member and purchase thru their link.

Sounds like DEI works when it comes to running a cruise line. The passengers are diverse, all treated equally, and everyone, from bankers to bikers are included and made to feel welcome on Carnival. Maybe those cruise lines who market their ship within a ship programs (Yacht Club, Haven, etc) need to step back and re-evaluate the goals of open class distinction.

No. Kids trying to put a half gallon of ice cream into a pint size cone

My only question is are all legs of travel on Turkish Airlines? If so, then your baggage with be checked thru to Rome and all is well. If your onward travels from IST is on another airline, then check to ensure they have an interline agreement. If not, which happened to me, then your adventure may begin sooner that you planned.

Not knowing what ports you will be visiting kind of makes it difficult to assist.

One of the many reasons I enjoy sailing on Carnival.

That’s true