lacy1101
DIS Veteran
- Joined
- Feb 13, 2002
Not sure if this is the appropriate place for this post, so someone please let me know if it's not . . .
We have an upcoming trip planned for November 14-18, 2018. I booked the trip in December last year and paid the deposit, opting out of the insurance. We have a $600 left to pay on our package and our final payment is due 10/15/18.
I basically have two questions:
1. I believe I have read that I can purchase the travel insurance at any point prior to final payment. Is that correct?
2. Will insurance cover if I had to cancel the trip at some point between final payment and our arrival date due to serious illness or death of my mother? Let me explain:
We have suspected that my mother has dementia for some time now, a couple of years actually, but she refused to see a doctor. In June of this year, some medical issues necessitated an admission to the hospital. We were able to have her assessed and she was diagnosed with severe dementia. She is back home now, but the dementia has progressed rapidly to the point that she is immobile (had to get a hospital bed), and incontinent. With her declining so rapidly in the last three months, I can only wonder where things will be in November.
I really have no idea what to expect. I have heard that people can live in this state for years. If there's one thing I've learned over the last three months it's that there is no consistency with dementia. She is not consistently bad, and she is not consistently good. It fluctuates from day to day. I guess I just want to prepared in the event her condition (or possibly even death) is such that we will have to think about cancelling the trip.
We have an upcoming trip planned for November 14-18, 2018. I booked the trip in December last year and paid the deposit, opting out of the insurance. We have a $600 left to pay on our package and our final payment is due 10/15/18.
I basically have two questions:
1. I believe I have read that I can purchase the travel insurance at any point prior to final payment. Is that correct?
2. Will insurance cover if I had to cancel the trip at some point between final payment and our arrival date due to serious illness or death of my mother? Let me explain:
We have suspected that my mother has dementia for some time now, a couple of years actually, but she refused to see a doctor. In June of this year, some medical issues necessitated an admission to the hospital. We were able to have her assessed and she was diagnosed with severe dementia. She is back home now, but the dementia has progressed rapidly to the point that she is immobile (had to get a hospital bed), and incontinent. With her declining so rapidly in the last three months, I can only wonder where things will be in November.
I really have no idea what to expect. I have heard that people can live in this state for years. If there's one thing I've learned over the last three months it's that there is no consistency with dementia. She is not consistently bad, and she is not consistently good. It fluctuates from day to day. I guess I just want to prepared in the event her condition (or possibly even death) is such that we will have to think about cancelling the trip.