Holland America Platinum

[dianeh]

Canadian here. Hals insurance doesn't seem to ask lots of questions. I am not finding success in quotes for our 21 day cruise to the Panama Canal in April. I had a pacemaker implanted in August. I'm stable but no one wants to insure me. HAL is expensive but it's better to have insurance than not have. Comments on HAL insurance appreciated. 

[Babr]

The HAL Platinum plan reimburses 90% regardless of the reason for cancellation. All cancellations are treated the same with no exclusions or claim forms. 
 

I don’t know anything about insurance in Canada, but if you can buy HAL’s Platinum, you will be able to cancel up to departure and get 90% back. You’ll also have some comprehensive coverage for travel and medical.

[dianeh]

Also HAL only offers 10k medical insurance which is very sparce. 

[Babr]

Yes, it is but there is no restriction for pre-existing conditions as far as I can see.  That is probably why the coverage is so low.

 

In the US, there are policies with higher levels available to people with pre-existing conditions if they purchase within a defined time window and meet certain requirements. I can’t speak to what is a available to Canadians.

 

At least you know what HAL offers if you can’t find anything else.