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klfrodo

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  • Posts

    13,282
  • Joined

About Me

  • Location
    Washington State
  • Interests
    Travel
  • Favorite Cruise Line(s)
    Carnival & RCCL
  • Favorite Cruise Destination Or Port of Call
    Caribbean & Europe

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klfrodo's Achievements

10,000+ Club

10,000+ Club (5/15)

  1. My opinion and personal experience only. My TA sells insurance. And makes a small commission. But, after 10 to 15 years following this particular board, I can guarantee that I know more about the intricacies of travel insurance than my TA does (not to say I know it all. I still get confused a few times.). If questioned about is this covered? is that covered? the response would be to call the insurance company. If asked do I file a claim under trip delay or trip interruption? They wouldn't know. What they do know is that having travel insurance is important. The next question is probably why I use the TA then. Because they are friends and treat us like family. GREAT on the travel/pricing/OBC/follow-up departments. Just weak on the travel insurance department. So, my opinion is the broker who can guide you to the coverage that is most important to you and your needs. A good broker will also be just a phone call away to assist if needed when filing a claim.
  2. Calling @iamtrustworthy to the white courtesy phone please.
  3. That's how I do it. Then again, my State allows this. YMMV depending on the regulations set forth in "Soprano Land". I also choose to risk the cancellation, etc. I do choose the trip cost at $500. If I run into a Trip Delay or a Trip Interruption situation (which I have), then I am covered up to 150% of trip cost. Thats enough to pick up a hotel, uber, and a few meals while we wait for our next available flight.
  4. too vague of a question. What is their definition of medical evacuation and are these alleged requirements for evac from sea or evac from a land based facility to another land based facility?
  5. International maritime treaties and law. When I say medical evacuation from the ship, I'm speaking of when a helicopter airlifts a patient from the ship while at sea. These are always done by a nations coast guard or navy. An ambulance ride from the ship while at port to the local hospital will cost money but, in this instance, (a person from the US who has normal health insurance and is in US territory) the health insurance will cover it. Maybe we can summon @chengkp75 for a more expert explanation regarding ship at sea ambulance airlift and the treaties involved.
  6. The Win/Loss Statement worked fine for me to offset my winnings as Earned Income as stated on my W2G. This was over 10 years ago though.
  7. I go 3rd party only. The cruise line policy is too low and if you need help, you're on your own. They won't help when it comes time to file a claim. I can only speak of my TA, they don't have a basic understanding of the policy they sell and wouldn't be of any help if I asked them if I should file under Trip Delay or Trip Interruption. Also, the coverage is too low in my opinion. By going 3rd party (Steve at TripInsuranceStore), he has access to a few different policies that best fit my needs and when it comes time to file a claim, he will gladly assist. He's also been known to intercede on his clients behalf with the insurance company to help clear up any misunderstanding.
  8. I'm going to take a different approach. First, let me say that I agree with every fiber of my being that what has said been said above is true and correct. I approach sailing from Vancouver differently than any other cruise or trip. This is because I'm making an assumption that this is for an Alaska cruise, and I fully understand that my opinion only works for me. (If this is a 7-day cruise from Vancouver to Hawaii, I might consider the same approach) My opinion is based on my thoughts that travel insurance is a tool to help me share risk of potential financial hardship. With that being said, I'm in a position in life where I can absorb the cost of missing a cruise. I can absorb that $5 to $10K loss. It will hurt and I might have some explaining to do with my spouse, but it won't bankrupt me. Medical could cause financial devastation, however, in this instance (Alaska Cruise) I weigh my risks. My Health Insurance/Medicare works in Alaska. I choose to risk the miniscule amount of time I'm in Canada. Evacuation from the ship is at no cost to the patient. If I need evacuation from (Ketchikan let's say) to either Anchorage or Seattle for medically necessary care, my health insurance will pick up the costs. (I also have Medjet Assist for anytime I'm more that 150 miles from home). With all that being said, I 100% self-insure my Alaska cruises. Every other cruise, (Caribbean and European) I do purchase a 3rd party policy from Steve at TripInsuranceStore to help mitigate any unexpected expenses.
  9. Living on the west coast but always sail from the east coast, we always spend the night before flying home. Allows us to relax and take our time getting off the ship, maybe do some sightseeing, check into the hotel, catch a nice dinner, then catch a good nights sleep before catching the early 6 hour flight home.
  10. For those who live or frequently visit Rome. How is tourism going to be affected by 2025 being a Jubilee year? We are cruising in 2025. Our post cruise plans currently have us spending an additional 4 to 6 days in Rome. (Early September timeframe) Can I expect that with the additional number of people of the Catholic faith making the pilgrimage to Rome and The Vatican be of concern when arranging tours and hotel stays?
  11. Ill wait for the expert to jump in. Calling @chengkp75
  12. We are a retired group of 6. One of us is in a wheelchair and the other 5 are not. Of course, we want to hang together with our travel mates on an excursion, but seeing as how accessible excursions are limited in space, I don't want to take up valuable space and maybe someone who needs this service isn't able to because 4 able bodied persons are taking up space. Does my question make any sense?
  13. My airline of choice, Alaska Air, has never had a problem just rebanking my miles if I need to cancel. But, that could be because I have elite status with the airline.
  14. I believe @iamtrustworthy corrected me and stated that there are a couple of policies that may be able to help you. Give Steve a call at Get the Best Trip Insurance Details, Advice (tripinsurancestore.com) and see what he says
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