We are 63 and 58 and are taking a Caribbean cruise Oct. 21st. We booked it 8 months ago and it’s paid in full. Until today I didn’t need travel insurance. We never buy it because it’s a waste of money. I had an allergic reaction to an antibiotic on Friday and went into anaphylactic shock, and almost died. My doctor said I might want to cancel my cruise but she said if I want to go she can give me a doctors note ok’ing my travel. I don’t want to lose the $4,282 we spent for this cruise. What plan do you recommend I buy that will completely cover me? If you can get a plan to cover me I’ll recommend you to all my friends and family. Thanks, Gina
LOL – I’m not going to help you commit insurance fraud!
What more can I say?
Since that would have been completely rude, I emailed Gina back with this: “Hi Gina, Thanks for writing. I’m sorry about the reaction and I hope you recover quickly. Unfortunately, none of our plans will cover you as you are past all the waiver of the pre-existing conditions deadlines.”
I don’t think Gina liked that answer because on Saturday when I was working a got a call from a lady named Ruth telling me the exact same story. I said, “That’s an amazing story. I hope you recover quickly. Someone else emailed me about nearly the same thing last night”. Ruth must not have liked my answer because later on Saturday, Connie called me.
Connie told me the exact same story. I said, “That’s an amazing story. I hope you recover quickly. Someone else emailed me last night and another person called me today about nearly the same thing”. Connie didn’t like my answer either.
In case it’s not clear why I would not sell travel insurance to Gina, Ruth and Connie, the reason is that I knew no travel insurance plan would have paid any claims. It’s possible other would have some them a policy, but I refuse to sell someone a travel insurance plan if I think the claim will be denied.
Oh, and, don’t send me any of your family and friends!