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Last minute insurance


sjmbruce
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3 hours ago, sjmbruce said:

I booked a cruise pretty last minute and now I need very last minute travel insurance.  Any suggestions?

This may be (have been) the time to use the cruiseline's protection (depending on what you want to insure: money spent? medical?). I would ask here:

https://boards.cruisecritic.com/forum/499-cruisetravel-insurance/

Steve from the TripInsuranceStore is likely to answer.

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Depending on how last minute you actually booked, the suggestion by @crystalspinregarding the cruise line sponsored insurance may be your best / only? course of action.  But the other information they provided regarding where to go for that information is also your best bet.

Edited by leaveitallbehind
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I am not sure how this is an issue most travel insurance companies you can set it to start next day. I can literally walk into my bank today and have a travel insurance policy start at midnight or I can call another company and do the same thing without leaving home.

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41 minutes ago, SoloAlaska said:

I am not sure how this is an issue most travel insurance companies you can set it to start next day. I can literally walk into my bank today and have a travel insurance policy start at midnight or I can call another company and do the same thing without leaving home.

Specific to coverage tied to a given cruise, some carriers have coverage guidelines that are specified by when, relative to making a booking and the final payment date, you can purchase it for a given coverage, and may not be available at all post final payment.  General travel insurance may not have these guidelines.

Edited by leaveitallbehind
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You can purchase it at any time.  The caveat is that many times pre-existing conditions will not be covered, or if they are, the prices may be very high.  I agree, check with Insure my Trip, or similar sites.  They have been very helpful.

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I had a little extra time this morning so I did some checking on insuremytrip.com. I'm not sure how OP is defining "last minute", so I input the details of a cruise leaving in one month, cost of the cruise $2500, no airfare, one week duration, initial deposit today. A plan from Generali was lowest at $115.50 which offered $50k medial coverage and $250k evacuation coverage. It has a lookback period of 180 days for pre-existing conditions. The first plan that offered a pre-existing condition waiver (when purchased within a certain period of time from first payment) was from John Hancock. That plan was $175, had $100k medical coverage and $500k evacuation. 

 

By way of comparison we purchased a plan in December for our upcoming April cruise. Picked a Nationwide plan that cost $150.77. Coverage is for both the cruise and flights totaling $3500. No pre-existing condition waiver, lookback 60 days. $75k for medical, $250k evacuation. To buy the same plan today (64 days before trip) would cost $18 more. (All of the above quotes are for two travelers.)

Edited by sparks1093
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26 minutes ago, sparks1093 said:

I had a little extra time this morning so I did some checking on insuremytrip.com. I'm not sure how OP is defining "last minute", so I input the details of a cruise leaving in one month, cost of the cruise $2500, no airfare, one week duration, initial deposit today. A plan from Generali was lowest at $115.50 which offered $50k medial coverage and $250k evacuation coverage. It has a lookback period of 180 days for pre-existing conditions. The first plan that offered a pre-existing condition waiver (when purchased within a certain period of time from first payment) was from John Hancock. That plan was $175, had $100k medical coverage and $500k evacuation. 

 

By way of comparison we purchased a plan in December for our upcoming April cruise. Picked a Nationwide plan that cost $150.77. Coverage is for both the cruise and flights totaling $3500. No pre-existing condition waiver, lookback 60 days. $75k for medical, $250k evacuation. To buy the same plan today (64 days before trip) would cost $18 more. (All of the above quotes are for two travelers.)

I had to check something in my booking and for our upcoming trip Carnival's insurance costs $218. When I tried to add it in order to get details of coverage it wouldn't let me since we are inside the final payment window.

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12 hours ago, Nebr.cruiser said:

You can purchase it at any time.  The caveat is that many times pre-existing conditions will not be covered, or if they are, the prices may be very high.  I agree, check with Insure my Trip, or similar sites.  They have been very helpful.

Not necessarily so with many cruise line's sponsored insurance where it cannot be purchased post final payment.  See the last comments made by sparks1093.

 

Some of the various levels of coverage as you refer also may have time restrictions relative to booking dates, as I previously mentioned, for purchase. 

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We've only purchased cruise line insurance once, and not late, so I don't know the rules with that.   And I realize there can be significant restrictions purchasing insurance late, sometimes.  Purchasing last minute is not a good option, but in most cases can be done.  It probably will not be as good as insurance purchased earlier and more expensive.

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