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We cannot make recommendations of insurance companies here but we can give you the tools to determine what policy works the best for you by using an aggregator called insuremytrip. Find a policy that works for you and read the full policy details to see what is and isn’t covered. Then call the company with any questions.
Some questions to ask are if the policy is primary or secondary - a primary policy would be preferable to secondary so you don’t need to send bills to your own health insurance company and have them rejected for the insurance company to pay out.
Adding to Neil's advice, here are some of the available coverages to ask them about:
BASIC policies (or "lite" as they are often labeled). These offer limited coverage for trip cancellation, trip interruption, travel delays, and baggage issues. But too often they fail to meet the needs of travelers due to their restricted coverages (i.e., covered reasons). COMPREHENSIVE policies can cover one or more of the following for a nominal cost:
Cancel for Any Reason. Covers 50-75% of your non-refundables depending on the policy
Cruise Cancellation. Covers non-refundables not purchased through the cruise line
Employment Layoff. Being unemployed is hard enough without a failsafe for trip costs
Financial Default. Covers when a travel provider is no longer in business
Emergency Medical Evacuation. Costs can be in the tens-of-thousands!
Hospital of Choice. Without this you are transported to the nearest facility
Pre-existing Medical Waiver. Covers conditions that insurers decide is "pre-existing"
Primary Medical. Places the insurer first in line for claims. Eliminates the need to file with your own insurance.
Be aware that no single policy will cover every possible reason for cancellation at 100%, and that there are time restrictions (e.g., signing up, cancellation) with every policy . . .
Something that I recently experienced on insuremytrip is that clicking the button that allows for coverage of pre-existing conditions did not change the price of a policy I was looking at. So make sure to play around with all the options that you may be interested in as the price could stay the same.