Last date to cancel expensive hotel reservations...July 28 th....check in is Aug. 5th...
concerned if health issues arise & have to cancel after July 28 , I'll out over $3,000. Anyone ever heard of some type of insurance to cover this...I realize cost would be high but would soften the blow little...
In past AirBnB offered 'extended " cancellation Insurance, well worth the price for my peace of mind.. but this is "Resort' & does not have any such policy..

Trip insurance should cover this. I have used insuremytrip.com and squaremouth.com for various trips. I find it easier to call and speak to one of their agents directly to explain exactly what I need and what is not necessary and both agencies have always been very helpful.

Ideally you should take out trip insurance as soon as you book. It may cost more now given that your trip is so close.

We always use Booking.com and go by their cancellation date (usually just a day or two before check-in), but fortunately have never had to cancel within its limits. Good luck!

Not getting insurance within 2 weeks of booking/deposit usually means that any pre-existing conditions are not covered, so if you have a heart issue or similar and have to cancel due to that, it won’t be covered. Look at insuremytrip.com and compare plans, read the fine print carefully. You can still get insurance now, but not the full range of coverage as if you’d gotten it when you booked this hotel.

It sounds as though you have specific concerns regarding an existing condition? If so, you should be aware that very few travel insurance policies will cover pre-existing medical conditions unless they are explicitly declared when taking out the policy and any additional premium is paid. If you do not declare such conditions it is highly likely you will not be covered. If it is a relatively serious condition then they could refuse cover completely or load the premium to such an extent that it would not be worthwhile.

Of course there is travel insurance for this sort of thing. But if you have already booked this more than 10 days or two weeks ago, you probably would not be eligible for preexisting conditon coverage it that is what you need.
Why not just cancel and book something else with a better policy? Or cancel and rebook after you understand what the terms and conditons are for trip insurance.

I’ve never had to declare a pre-existing condition at the time of purchasing insurance, fyi. It’s just that you have to purchase your insurance within 14-15 days of paying your initial deposit for anything that is considered a pre-existing condition to be covered. It’s also never been an additional premium for pre-existing conditions to be covered.

That is absolutely not universally true. I just did a test booking on Seven Corners based on paying my deposit today for a trip beginning at the end of July. There is in fact a surcharge for preexisting conditions waiver.

If you have never had a surcharge that is probably because you were already buying a premium product.

I agree with Amy. I have never had to state my condition, but in order to have a pre-existing condition covered, the insurance must be purchased within 14 days of your first depost/payment for the trip

Presumably this 14 days condition must be a US thing? It is not case in UK or Europe where anything can be covered at anytime (at a price!)

crellston - probably. IME policies purchased in Australia are vastly different than those purchased in the US.

I just ran the numbers on AIG TravelGuard. Departure date 9/1 to Kenya, 14 days, $10,000 trip. Deposit today versus deposit April 5th. All three plans offered are exactly the same price regardless of the deposit date. Perhaps you get what you pay for with Seven Corners, literally and figuratively.

I've insured over a dozen trips with considerable non-refundable costs and filed claims on two. I'm merely sharing my experience. I never said anything was universally true, just like Crellston saying you have to disclose all of your pre-existing conditions is not universally true. It's helpful for the OP to be aware of the variables involved and that what one person says is not gospel.

"just like Crellston saying you have to disclose all of your pre-existing conditions is not universally true. "

Really?? I am struggling did I say that exactly? Certainly not in post #6! Although in reality that is pretty much the case.

Insurance underwriting and contracts vary tremendously from country to country but all are effectively written under the doctrine of Uberima Fides (utmost good faith) which basically means that the the insurer and insured must both be transparent and disclose all the information essential to the contract. Essentially, if you have anything wrong with you you should disclose whether you think it relevant or not.

Not exactly so in the cases I have filed. Both for myself and my ailing father, they did not take my word for it, but rather that of a medical professional with knowledge of the case who certified to the date of onset of the condition. Here, you do not disclose any conditions unless and until you file a claim; that is not a prerequisite for the pre-existing conditions coverage to be added to your policy. In both of my cases the insurer also called said professional to confirm they exist. No such thing as good faith when it comes to money.

You do not have to "state your condition" when you apply with Seven Corners (and I never said that). However you can opt to buy coverage without or without preexisting condition waiver. If you want it, there is a surcharge..If you include that then you won't have to go through some of that rigamarole with indicating date of onset. In the US you have to declare what state you reside in (presuming that has to do with States regulating insurance).

And my point was that with AIG TravelGuard there is no additional charge for pre-existing condition, with their Basic, Deluxe or Superior plans, which is contrary to what you stated. It's unfortunate that you have to pay extra for that.

Actually I appreciate having the option of not paying for it . YMMV if you have those concerns. I don't. At least not now.

I've also used insuremytrip.com. I've used them regularly for well over a decade and the agents have been very helpful.
Happy Travels!

INSURE MY TRIP is a broker not an insurance provider.