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I bought the Essential plan from RoamRight for our cruise vacation...RoamRight is a new travel ins market. They are owned by Arch Capital and underwritten by Arch Insurance company, which is rated A+ (superior) by A.M. Arch Insurance company has been in business since 1971. BBB rating is A+.
Can anyone recommend a policy covering preexisting conditions + cancel for any reason that does NOT have to be paid in full with very first deposit on a cruise? My cruise is still 13 mos in future!
I live in Arizona, USA
Most of them don't have to be purchased with "the very first" deposit but soon after. Depending on the insurer you'll have between 1 day (CSA) up to 30 days. I can't think of any third-party plans which offer cancel for any reason coverage that will let you wait longer than that.