Okay - our first post here, although we joined back in the fall.

WHY is this our first post?

We are starting retirement travel (even though not really retired yet), so we made reservations for 3 major cruises, spread out over 1+ years.

We splurged on this first one, as it was also a very major birthday.
(It was a long flight, and we decided to go flat-bed for the first time ever, to get to cruise. Eager to find out if our slightly aging bodies would notice the difference )

Less than 2 weeks to go... DH gets a very serious health problem, out of nowhere.

Within a few days, physicians/surgeons announce he isn't going ANYWHERE in about 10 days.
Everything needs to be cancelled!

But we didn't actually get the insurance for this, given how remote we thought the chance was.

DH still has occasionally "must attend" consulting work, which could be with less than one month's notice.
We purchased insurance that included 75% for Cancel For Any Reason (CFAR). It could also be "we didn't like that predicted hurricane" or "the political situation got too unstable", or even something as silly as "I changed my mind" (rather absurd, in our case).

MEDICAL: For extreme, catastrophic events, consider MedJetAssist. IF you find yourself an inpatient far from home (more than 150 miles qualifies), they will fly you to "the hospital of YOUR choice", by air ambulance if necessary.

ANNUAL Travel Insurance: There is a very cost effective annual coverage, given that most trips won't get cancelled.
One BIG caveat for us (and perhaps most): IF you use that coverage, and you need additional coverage for other planned trips, you will be TOO LATE to get coverage that includes pre-existing conditions. That's a big concern for us, and will become more so, as we get older and more little (or not so little) things start to "happen".

Speak with Steve (owner) or anyone at

http://TripInsuranceStore.com

(We have no affiliation with them, other than great satisfaction with their detailed explanations of the pros and cons of coverage types.)

DH is finally about to be cleared for travel again, so we are back to making plans

GeezerCouple