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Old 05-06-2007, 01:58 PM
Junior Member
Join Date: May 2007
Posts: 26
We have already paid for our cruise in full,will we still be able to sign up for insurance.I ask as my wife's father is not in good health.We may need to cancel our trip if something happens to her father.Any help on this.
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Old 05-06-2007, 05:27 PM
Bem1962's Avatar
Senior Member
Join Date: Jul 2006
Posts: 176
From what i know, all you need is a medical note and you should get full refund

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Old 05-06-2007, 06:35 PM
TrvlPro's Avatar
Senior Member
Join Date: Apr 2007
Location: Houston TX
Posts: 2,172
From what i know, all you need is a medical note and you should get full refund

Not correct, if you didn't purchase the insurance there may be penalties depending on the sailing date. Cruiseline insurance must be purchased prior to the penalty period. Some outside insurers provide insurance policies that can be written even after the penalties begin but have exclusions for pre-existing conditions and other circumstances.

The penalty period normally begins 60 days prior to your sailing date on short sailings and 75 days prior for 7 night sailings. Some promotions, like SWAT and FLASH promos require payment in full at the time of the booking and are 100% penalty from day one (Carnival doesn't do these promos so you're okay there).

If you are in penalty and your father-in-law is already in poor health you're probably wasting your mony to buy insurance at this point. The insurance provider has the right the medical records in order to approve a health related claim. This will fall under the pre-existing condition exemption and would result in a denied claim. If you're still outside penalty buy the insurance through an outside source and be certain the policy you purchase covers pre-existing conditions, many do.

Cheers, Neil
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Old 05-06-2007, 06:36 PM
Join Date: Aug 2005
Location: North Myrtle Beach, South Carolina
Posts: 11,612
Hey Larry from the Palmetto State!

Check out Insure My Trip and get some insurance. Make sure it covers what you are concerned about, cancellation for Family illness.

There are much more knowlegeable people on here than me, and hopefully will see this with some specific advice.
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Old 05-06-2007, 06:39 PM
Join Date: Aug 2005
Location: North Myrtle Beach, South Carolina
Posts: 11,612
There ya go, Neil posted while my slow self was still typing Hope it works out for you.
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