OK, first of all, this is not a "should I, shouldn't I" question. That has been beaten to a pulp several times on this and other forums. I would not travel without it, so that's where I am on the subject.
Rather, it's a question of timing.
If you book a cruise several months or a year out, when do you buy insurance?
We have always purchased right after booking so as to have the "previous condition" waiver. Now I am questioning whether that is the right thing to do.
The reason I ask is that we had booked a cruise for this July, and had to cancel last week. Other than the deposit, we didn't pay anything except for the insurance.
If you don't cancel within the cited review period (usually 2 weeks or thereabouts) you cannot get a refund....or it's difficult to do so. We did not get a refund so we are out that cost.
So what would my exposure have been if I purchased insurance right after the final payment? How would previous condition come into play as I have had a heart attack (2001) and heart failure (2010).
Any thoughts and advice is, as always, greatly appreciated.
Thanks in advance,