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Learned a tough lesson today. Booked a cruise in 2...

Learned a tough lesson today. Booked a cruise in 2017, 7 days starting 6/23/18, for my wife's and I 40th wedding anniversary, our first. I was asked about travel insurance during the process which I wavered back and forth on but was told I could take it out up until 48 hours before the cruise departure so I declined it. I understood that meant I could buy it any time for whatever reason if it arose. Well, yesterday I ended up in the emergency room with a severe gallbladder attack that looks like will need surgery to correct. Called my agent who told me that unfortunately they had changed their policy starting January 2018 that says you have to accept the insurance when you book the trip. But... since we booked it last year, 2017, that we could still buy the insurance. Then he went on to explain that the insurance company would probably ask for medical records to see if this was a preexisting condition since I would be buying it and making a claim the next day. Being an insurance agent many years before I could see that this would be a possible outcome but did not understand when first asked if I wanted to accept the insurance thinking I could get it later. My fault for not truly thinking this through originally I agree but if they would have had this new policy in place I would have probably taken it knowing there would not be a second chance. No cruise and will not be going again on Carnival or Vacations to Go in the future. Glad they changed the policy for all of you and recommend you take the insurance because you never know what may happen!! Thank goodness I thought to cancel shore excursions and on ship pre-cruise(Fun Shop) purchases since my agent didn't think to tell me. Would have lost all that money as well. Sad and truly sick to my stomach.

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