First let me Say. We Will Not Go On A Cruise WITHOUT INSURANCE
We are Senior’s 67 and 66, I am Retired Military and we are Florida Residents
Should we buy travel insurance when we purchase the cruise because of pre-existing conditions ?
Should we wait until we are sure of the cruise so that we can cancel and not lose out on the money for the insurance ?
This question comes to mind because. We are going on the Harmony of the Seas on April 28, 2019. We have Travel Insurance. The price of our cruise dropped $450.00 and I am being told, nothing can be done since we are past final payment and every cabin is now booked so we are unable to upgrade. We are also about to purchase another cruise.
About five years ago, my wife woke me up saying I just had a seizure. I told her, I was fine and went back to sleep. After she left for work, I started feeling strange and drove myself to hospital. They did an MRI and found a fairly large non-cancer meningioma tumor. They were able to remove most of the tumor.
Seven months after that, and no driving for six months, I drove the car to an Auto Repair Shop. While they were working on car, I had a seizure and woke up in the Hospital. There was a fluid buildup where the tumor was removed and they had to do another brain surgery.
Three years ago, the wife and I are driving to Ft. Lauderdale for a cruise on the Oasis of the Seas, and I am feeling sick, unable to urinate and feeling like I have the flu and it was flu season. So, being stubborn and against my wife’s advice to see a doctor, I insist on getting on the ship. Well, as soon as all hands drill is done, I go down to sickbay (Medical) and the doctor gives me some pills to take and tells me to go up to the cabin and rest. Later that night, I am worse and go back down to medical. That is about the last thing I remembered for a while. I was diagnosed with chronic urinary sepsis.
The Ship had to get a Helicopter and I was taken to a Hospital in Santiago. I was there for almost three weeks and then another Air Ambulance to Tallahassee, Florida where I spent 3 more weeks at Tallahassee Memorial Hospital and transferred to a Rehab facility for another 4 weeks. They said I was in bad shape and lucky to be alive. Total bill was over $400,000.00. Boy was I glad I had Insurance.
Then a week before Christmas 2017, I am having severe pain in my chest. Go to hospital and they do a catheterization. They said there was blockage but not severe enough for them to do anything.
Because of my medical history, of course I will not go on a cruise without insurance.
But the question comes up. When should I get the insurance and where.
( Proud Military Veteran and Retired Navy Submarine Sailor )