Insurance

My FIL wants to come on a trip with us. However, he has some pre-existing health problems. He is stable on a day to day basis but does have a pacemaker, takes blood thinners and some other heart medication.

He's afraid he can't get travel insurance. Is there any such thing as a "high risk" travel insurance?

Whenever I have purchased insurance, As long as it is purchased within 15 days of the first payment of the trip, they include the pre-existing condition waiver.

I usually purchase from a third party insurer.

If his health issues are controlled by simple commonly used medications like you describe, he can get trip insurance and the 60 day pre-existing clause would not apply. Although generally you have 14 days to purchase, I strongly recommend you purchase it at the time of booking.

So if we book a trip now for say 6 months from now, and on the trip he had an issue with his heart the medical treatment would be covered? We're not worried about getting reimbursed if he had to cancel but medical care in the event of a serious medical issue.

I used insuremytrip.com They have many types of coverage and you can choose the limits by researching all of the companies they have. But definitely buy it the day you book your cruise so you will qualify for the pre-existing conditions.

Not sure if your FiL is in Canada but if so then you may find some useful info in this thread

http://boards.cruisecritic.com/showthread.php?t=1390788

Travel Insurance is age dependent.

If you're over 80 (?) it might be hard to get. If so, go thru the cruise line.

Make sure the policy includes emergency evac (ie helicopter from ship).

My FIL was 85 2 years ago when he joined our cruise. He bought cruise insurance through our TA. No problems. He has similar health issues to those mentioned.

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My DH wanted me to add to my earlier post. We did not ask Pops how much his travel insurance cost. It is according to age.

I think it's very important to note that the OP is from Canada.

Insurance laws and restrictions are VERY different in Canada than they are in the States.

My FIL wants to come on a trip with us. However, he has some pre-existing health problems. He is stable on a day to day basis but does have a pacemaker, takes blood thinners and some other heart medication.

He's afraid he can't get travel insurance. Is there any such thing as a "high risk" travel insurance?

Call the "TripInsuranceStore" at 1-888-407-3854 or 816-282-6858 and talk to Steve or one of his assistants. They will be able to give you good, accurate info. They do business in Canada as well as the U.S.