Linnn

Absolutely not and no one I know does!!

Our AAA travel agent used the work around

Allianz works well, gives good service. Also Pleasant Holidays Trip Assist , both with pre existing conditions waived. There is no problem with medically stabilized conditions. The only possible gotcha would be IF when making a claim your doctor filling out their forms upon reviewing your medical records would state that he would have advised you medically not to travel . That would be a reason for the company to not pay.

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The only thing I know about in that case is Pleasant Holidays which cannot cover the cruise cost you have put a deposit on but if you get air with them and at least 1 night hotel they will cover you from start to finish medical wise and air, hotel, excursions costs etc. I have had a similar situation and filed a claim and they were fair and prompt. Normally use Allianz waiving pre existing conditions for cruise when I put down deposit and then Pleasant Holidays ( it is a Trip Assist Policy also waiving pre existing conditions) when I purchase flight and land arrangements. I have filed claims with both companies and Allianz gave us incredible service when an ankle injury prevented us from taking our cruise

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Cannot first emphasize the importance of buying insurance within that 2 week period where you can buy without pre existing conditions having any bearing because that gives all companies an out otherwise. We buy such a policy always for overseas travel with Allianz sold by TAs and AAA.

Two years ago we could not take an Easter cruise out of Barcelona as I had developed a severely infected ankle blister in the course of two days. I was hospitalized over night( $12,600) including the plastic surgeon's bill attending me at what must have been their best hospital ( sent there by the Hilton's hotel doctor who did nothing but look and arrange for his fee). The same surgeon insisted in his discharge that I must be flowing home promptly business/first class where I could lie down. I even in a panic forgot I should have called Allianz first and they did not know of the situation until I presented my insurance card at the hospital , who recognized it at once and insisted on not bothering me about anything regarding payment. Allianz nurse/team via phone when I got back to the hotel handled everything! Such service ,cancelling tours, making long distance phone calls for us, we willing turned in our return BA economy tickets and my husband and I went home Delta business/ first class . We were totally reimbursed for our HAL cruise as well.They reimbursed us for pharmacy,cabs,hotel doctor Bill ( the only $ we had expended )and got us home quickly. All this took place when everything was closed for four days due to Easter. My ankle did take over a month to heal. I write this because I have seen so many postings regarding how little help travel insurance is and I feel that is not the case. You get what you pay for from a good company.