savethepandas

Thank you! Good to know about the $500 intervals!

I was looking to do something similar, ie, getting a policy with only health insurance ...but to supplement my cruise line's CFAR protection plan. If you put in zero for the trip cost, it will essentially give you a policy without cancellation insurance. There may be some buggage and delay coverage, but only minimal. I looked at Travel Insured, for example, which will cover medical expenses/evacuation. On the InsureMyTrip website, put in zero for trip cost and it will compare a number of polices without trip cancellation/interruption.

Thanks so much for your prompt response and advice! Yes, understand that typically CFAR refunds are in the form of credits. However, Holland America's CFAR is in the form of cash, at either 80 or 90%. The reason for CFAR is more for the issue of pre-existing conditions, as one cruiser has some chronic issues. So, while we would anticipate canceling only for a "covered reason," it may be tricky if there is a history of pre-existing issues and proving that event is due to something otherwise. I did locate a third party provider who said that I could use its policy as a gap policy. That is, if the canceling reason was a covered reason, but the cruise line only covered 80% of costs, I could list the remaining 20% (actual cost), so that they would cover, and additionally, have the included medical/evacuation benefits on that policy. Does that approach sound reasonable?

We are scheduled on an Alaskan cruise, which includes 1 Canadian port near end of itinerary. Have good domestic health insurance, but concerned over emergency evacuation (from remote Alaska) and perhaps, extra medical coverage, just in case. Also concerned over CFAR, which no longer is feasible as initial deposit paid many months ago. Would it be reasonable to take the cruise's CFAR policy (HAL) and supplement with emergency evac/med policy?