How in the world does Cruise Insurance work

[jaw62901]

Hi,

I just put down my deposits for my 14 day (2 7 day back to back) cruise on Carnival going to both the East and West Caribbean in Dec 2005. I really don't plan on getting cruise insurance until it gets closer like 6 months out or so.

With that being said, what is the whole pre-existing condition and 14 days after deposit thing.

Since I am completely healthy, doesn't that mean that I have no pre-existing condition and thus it wouldn't pertain to me anyways. Or does that mean even if I purchase the insurance way in advance and then get the flu right before my trip in December 2005, they still won't cover a new illness just because I didn't purchase 14 days from the deposit date.



Post Edited (11-07-04 22:42)

[LisaK]

Pre-existing condition is something like Diabetis, Cancer, Heart Disease,etc chronic illness. It has nothing to do with new sickness.

[PapaBill]

Why would you not purchase the cruise insurance now?

[jaw62901]

The reason for the hesitation was because the way it was explained to me, I thought that i had to by 2 seperate policies since I am taking two cruises back to back.

However, it has now been explained to me that as long as I am not going home betweem cruises, I only need one policy. I agree that there really isn't any reason why I shouldn't get the insurance and will. I plan to go with travelex which doesn't need to be purchased until 11/29/04.