We are huge believers in Travel Insurance and have always taken it out even though we have not had a claim. We were always fearful that something would happen since we were the caretakers for Frank's mother who was in her 90's (and passed away last year).

We use TravelEx and MedjetAssist now. It does not cover Pre-existing conditions unless it is booked within 20 days (or so - check with Ngaire) of your booking - not your final payment. That was an issue for us becaue the Oceania Cruise we won was booked months before we won and the contract was changed into our name. Frank is also on Medicare and not all policies work well for all under each circumstance. We always used Regent's Berkley Care when Frank's mother was alive but have switched to TravelEx since there are some coverages for us that are better.