Switching to back to trip insurance, The main attraction of the Viking policy is the cancel for any reason coverage with a cruise that is still almost two years away. With third party its limited typically to 75% of the coverage cost (I guess you could bump it up, but they might want receipts) vs 100% for Viking
But you have to pay in full for Viking policy when you buy it, right? And then if you change things you forfeit that and have to buy a new policy? Maybe I got that wrong
Has anyone done a third party policy where you cover the $200 or $250 deposit only to lock in the pre-existing condition (and CFAR if you go that route), then up the amount when you make final payment?