Posted April 7th, 2014, 01:24 PM
Last edited by Tucker in Texas; April 7th, 2014 at 01:30 PM
That is normally the case with Royal's insurance. If you want to be covered earlier than final payment, you must request to pay for the insurance.
If you were charged for insurance from the time you made your deposit, that means you had coverage from that date. That should have been explained to you and usually has to be requested at that time rather than "automatically" added without your permission.
The reason to request and pay for coverage from the cruise line before final payment when it is due would be to get the pre-existing "look back" clock ticking. During this "look back" period, no issues that come up will be covered. If you are beyond that, then it is covered.
I can give you a personal example. DH fell and broke his hip the end of October. They inserted three screws and warned that a total hip replacement would probably be required if the hip was not getting "nutrients." We had a cruise booked for late April 2014. Since we had no idea when the hip replacement might occur, I cancelled the cruise because I had not bought insurance yet.
Every month he went in for x-rays to see how recovery was coming along. Every month they told him that it appeared the joint was getting nutrients. At the end of February, they told him that a total hip replacement would not be required and formally discharged him. No further appointments or treatment required. The day he cleared the 120 look back time from the time he was discharged from the hospital following the screws being inserted, I rebooked the cruise and bought insurance. I always get thiird party because I don't think the medi-vac coverage on cruise line insurance is sufficient. Third party usually is better coverage all the way around, sometimes cheaper, and usually not more than a few dollars more than cruise insurance.
Third party insurance has the same "look back" BUT if you purchase it within a couple of weeks of making your initial deposit, some policies waive that look back period. This is advisable if you have (or an immediate family member has) an ongoing illness (heart condition, cancer) that could cause you to cancel. You are getting something for your money--coverage--even though when you purchase it, there are no monies at risk at that time, no issues, and might not ever be for the next few months.
I never thought we would have to cancel a cruise because DH would trip and break his hip! I collected air fare another time when the NCL ship "Norway" blew up and the cruise was cancelled. Got my cruise money back but I had already gotten non-refundable air tickets. I had only bought the insurance because my MIL had Alzheimers and I wanted pre-existing coverage for her.
Hope this all makes sense.
Tucker in Texas