papasaun

You're asking about coverage on a pre-existing condition.

Hopefully Cruiseco will be on shortly, but I believe (disclaimer) that since you are past final payment date and have made final payment, it is too late to purchase coverage for pre-existing conditions.

Most insurers require purchasing insurance 14 to 21 days after initial deposit to waive pre-existing conditions. A couple will even waive up to date of final payment. Not sure about after final payment

 

I don't mean this to be heartless (I can't think of another way to say it), but, is the doctor indicating that his passing is imminent? or is he just going down hill and you're concerned about the timing? I ask this because if the answer is imminent, then I'm not sure any insurer will help protect your risk.

 

Maybe the below link can help you

 

 

http://www.travelinsurancebasics.com/howmuch.php

The second (or is he just going down hill and you're concerned about the timing?).

Unfortunately you're in a pickle.

For most insurances to cover pre existing conditions or to get cancel for any reason, you needed to purchase within X number of days after your cruise deposit.

Another important question is regarding you're FILs current status. Are you thinking he may pass at any time? Or have the doctors said that time is short?

Insurance companies protect against unforeseen events, not imminent events.

 

Costco, where you bought your cruise, sells excellent coverage for their members. Talk to them. Also look at the cruise lines insurance. Some have good cancel for any reasons policies, however most cancel for any reason policies only reimburse a credit of 50 to 75 percent and you must cancel within 48 hours of beginning of trip.

OK, I am in a similar position. We made our final payment of the Carnival cruise 11/17/12. Wife just visited her dad who has alzheimers and he is in really bad shape. Cruise is for Jan 20. Was told we had so many days to get insurance after our final payment but what I am reading on here is we should have purchased within so many days of our initial deposit. Is there any coverage out there to protect my family (2 adults, 3 kids) in case my FIL dies shortly before or while we are on our cruise?