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trip insurance

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My wife and I are planning a Viking River cruise (Romantic Danube) from Budapest to Nuremberg, with a three day extension in Prague a year from now. Much can happen in a year, so we're want trip insurance. Viking offers a "Cancel for ANY REASON" waiver in their policy if purchased within 14 days of trip deposit. Other policies we've researched cost less, but offer cancellation refunds of only 75% or less and primarily for medical reasons.

Any advice or recounts of experience would be appreciated. Thank you.

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