I have been looking for a policy for a Mediterranean cruise next year - a one off policy, not annual. We are in our 70s , and both have pre-existing conditions. We also wanted some Covid cover plus a decent cancellation amount. I ended up with a bit of a spreadsheet happening as I was going google-eyed reading PDS's
So many difficulties and high prices. Hopefully the following may be of some use
The companies selling Allianz generally suited us best - priced around $2,000 for 30 days and covered both our PECs, unlimited cancellation $ and cruise cover. They included:
- Allianz
- WorldCare
- Teachers Health Insurance
- Boomers
For our needs and PECs - the
Covermore policies were almost double in price.
Westpac CC TI is great - covers Covid, cruise, unlimited cancellation and my PEC - all for a $45 assessment fee. They did not cover Mr Sale's PEC though
Then I found SGIC which was part of the IAG group and has recently been acquired by the NRMA. The policy is
Covermore, but the price considerably lower than any of the Allianz companies.
I realise that all of this could be quite different for someone else, but that the way it worked for us. Hopefully it helps someone else.