My father in law is terminally ill with cancer and is in hospice care. There is obviously a pre-existing condition and I am well outside of the window for purchasing a CFAR or pre-existing condition waiver however I am still eligible to purchase a trip cancellation/interruption policy for my cruise. If he were to die while I was away or just before departure would the trip cancellation benefit be honorered or denied?
I would recommend insuring with the company Travel Guard. They do not consider death related to pre-existing conditions. They offer several Comprehensive Package Plans, Basic, Silver, Gold and Platinum. Any of these plans would cover for Trip Cancellation or Trip Interruption if your father in law were to pass away after purchasing the insurance.
Do any of the travel insurance companies have age restrictions on who they will insure?
We do not have a list of the ages at which certain companies "cut off" insuring individuals, but if you enter the travelers ages any available plans based on that age will appear with a price, and would be valid for a traveler of that age.