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  #1  
Old September 19th, 2011, 05:56 PM
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SharonoftheSeas SharonoftheSeas is offline
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Default BEWARE!! RCCL Cruise Care Insurance

Just wanted to make sure no one else is "mislead" into thinking the "Vacation Protection Package" coverage begins at time of booking. This is when you are asked if you want to take the coverage, have the premium added to your invoice and make deposit!

Never in all my years of booking with the "Certified Vacation Planners" have they explained that you must pay your required deposit PLUS pay the price of the "Cruise Care" premium at time of booking. Otherwise, the coverage will start when you make final payment.

If you call a Vacation Planner and specifically ask, they will read form the material "only they" can access, that is clearly written to explain this. Don't know if I am "stupid" or what, but did not find it to be so clear in the information I have access to!!

If you do not pay the "premium" at time of booking, then any illness/surgery etc. that occurs within 60 days of the date you made final payment, will be considered a "pre-existing" illness and will not be covered!!

In other words, if you book your cruise one year out. Make deposit, say yes to insurance at that time, then break your leg two weeks before final payment. Still make final payment thinking it is 3 months away and you will be well by then. Then find out you have to have surgery on the leg one week before the cruise departure date. Since you broke your leg two weeks before final payment, then this is considered "pre-existing"! Therefore, you are not entitled to any reimbursement from the insurance and you just threw the money for the premium out the window!!

Be sure to ask questions and read ALL the fine print!!! Better yet, go elsewhere for insurance coverage. That is what I will be doing from now on! And, I plan to be reading ALL the fine print there too!!
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Old September 19th, 2011, 06:08 PM
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Bummer, you poor thing! Thanks so much for the warning!
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Old September 19th, 2011, 06:12 PM
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I knew .. I guess because I cruise a lot. They always warn to pay for the insurance when you take it out that I have seen. If you dont pay for the insurance, its not in effect.

Good thing to know for those who didnt know .. it is important to pay for it when you take it out so the policy goes into effect.

(From what i know you actually have 2 weeks to pay for most policies in order for pre-existing to be covered .. so you do have 2 weeks, but usually not past then.)
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Last edited by firefly333; September 19th, 2011 at 06:14 PM.
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  #4  
Old September 19th, 2011, 07:17 PM
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SharonoftheSeas SharonoftheSeas is offline
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Guess you live and learn! I had always heard to take the insurance when you book the cruise to avoid pre-existing issues. Never dawned on me that it actually wasn't purchased at that time until it was too late. Think I will look into getting cruise insurance elsewhere in the future. And, I WILL be reading all the fine print!!

I think if you are not VERY careful, 99% of the time they will find a way to get out of paying. You could drop dead on day one of the cruise and they would say whatever caused your death had to be a pre-existing condition!!
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  #5  
Old September 19th, 2011, 07:35 PM
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Is the RCCL insurance cheaper than a third party company? It seems to me that 3rd party insurance is more comprehensive. I only mention that because I wonder if there is a benefit to utilizing the RCCL plan.
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Old September 19th, 2011, 07:46 PM
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I did not know that either. I always take the RCCL insurance, but did not know I was supposed to pay for it immediately. Guess i will do that moving forward!!
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  #7  
Old September 19th, 2011, 07:53 PM
CalicoskiesNC CalicoskiesNC is offline
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I used a well known national TA and this was explicitly explained to me. I didn't take RCL insurance, but for the trip insurance I did agree to I had 14 days from booking to pay premium so pre-existing would be covered. If you don't pay the premium until final payment how can you expect to be covered?
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  #8  
Old September 19th, 2011, 08:19 PM
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Quote:
Originally Posted by CalicoskiesNC View Post
I used a well known national TA and this was explicitly explained to me. I didn't take RCL insurance, but for the trip insurance I did agree to I had 14 days from booking to pay premium so pre-existing would be covered. If you don't pay the premium until final payment how can you expect to be covered?
Guess it was my misunderstanding! I was under the "assumption" that if we took their insurance at the time of booking, then we were covered from that date. Thought the deposit was covering everything on the invoice. Never had anyone tell me it only covers parts of the invoice and other parts will not be in effect unless you make the additional payment NOW!!
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  #9  
Old September 19th, 2011, 08:45 PM
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Quote:
Originally Posted by karena1 View Post
I did not know that either. I always take the RCCL insurance, but did not know I was supposed to pay for it immediately. Guess i will do that moving forward!!
Yes, I'm sure there are lots of people out there that think they are covered from the time they book. That's why I wanted to try to let as many people know as I could that they have to make the additional payment along with the down payment.
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  #10  
Old September 19th, 2011, 08:51 PM
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Thanks for the warning, I can see where people can be misled, but it's like most insurance, if it's not paid for then there is no coverage. We used the RCI insurance once and the claim was handled very quickly.
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  #11  
Old September 19th, 2011, 09:39 PM
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Quote:
Originally Posted by SharonoftheSeas View Post
Yes, I'm sure there are lots of people out there that think they are covered from the time they book. That's why I wanted to try to let as many people know as I could that they have to make the additional payment along with the down payment.
Wow, thank you very much for the warning. I am so sorry you had to find out the way you did.
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  #12  
Old September 19th, 2011, 09:43 PM
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What about those who don't take the insurance at booking? Can it be added later?
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Old September 19th, 2011, 09:44 PM
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WOW! Thanks for posting this information! I'm trying to think of the best way to proceed since we have until the middle of December to make final payment. Would it be advantageous to go ahead and make the full payment now so that we will be covered, or take the chance since there is some reimbursement at this point if we cancel the cruise? I really don't like giving anyone my money sooner than I have to!
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Old September 19th, 2011, 09:56 PM
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Quote:
Originally Posted by SharonoftheSeas View Post
Just wanted to make sure no one else is "mislead" into thinking the "Vacation Protection Package" coverage begins at time of booking. This is when you are asked if you want to take the coverage, have the premium added to your invoice and make deposit!

Never in all my years of booking with the "Certified Vacation Planners" have they explained that you must pay your required deposit PLUS pay the price of the "Cruise Care" premium at time of booking. Otherwise, the coverage will start when you make final payment.

If you call a Vacation Planner and specifically ask, they will read form the material "only they" can access, that is clearly written to explain this. Don't know if I am "stupid" or what, but did not find it to be so clear in the information I have access to!!

If you do not pay the "premium" at time of booking, then any illness/surgery etc. that occurs within 60 days of the date you made final payment, will be considered a "pre-existing" illness and will not be covered!!

In other words, if you book your cruise one year out. Make deposit, say yes to insurance at that time, then break your leg two weeks before final payment. Still make final payment thinking it is 3 months away and you will be well by then. Then find out you have to have surgery on the leg one week before the cruise departure date. Since you broke your leg two weeks before final payment, then this is considered "pre-existing"! Therefore, you are not entitled to any reimbursement from the insurance and you just threw the money for the premium out the window!!

Be sure to ask questions and read ALL the fine print!!! Better yet, go elsewhere for insurance coverage. That is what I will be doing from now on! And, I plan to be reading ALL the fine print there too!!

Good heads up! This is common practice with travel insurances regardless of it being purchased with RCI or through an independent party. However it is not your "job" to know all of these things, especially since you are booking the insurance with RCI! Honestly, RCI's vacation planners should explain this without being asked. Sometimes people on these boards question whether to book direct or with a TA. In my opinion this is an example of one reason to book with a good, knowledgable, exprienced travel agent. A good TA would look out for your best interest, especially a travel agent who is salaried and doesn't work for commission......they exist I was one for 10 years! Some vacation planners are great (I have heard some positive stories on this board). But many cruise line vacation planners are order takers and either don't know the nuiances of travel insurances or are instructed not to divulge certain info unless asked. I am not saying that a travel agent is the only way to go however I do believe a good one has advantages.

Last edited by nycruiser80; September 19th, 2011 at 09:58 PM.
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Old September 19th, 2011, 10:29 PM
dioxide45 dioxide45 is offline
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The problem is that the reps and TS's get a commission for every insurance policy they sell. So for them trying to make it as appealing as possible to get people to pick it up is in their best interest.

If they tell someone it is better to pay it at the time of deposit, then the person might outright decline it. If they say you don't have to pay the premium until final payment, people may be more likely to pick it up.

It is also important to note that the insurance is underwritten by a separate company, not RCCL. So as far as they are concerned, until they are paid, you are not covered.

We always pick up third party insurance as it seems more comprehensive than the cruise line policies for pretty much the same price.

Last edited by dioxide45; September 19th, 2011 at 10:35 PM.
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Old September 19th, 2011, 10:33 PM
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It pays to have a good TA. Ours told us about this when we did our first booking with her back in 2001.
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Old September 19th, 2011, 10:49 PM
Tucker in Texas Tucker in Texas is offline
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Quote:
Originally Posted by SharonoftheSeas View Post
Think I will look into getting cruise insurance elsewhere in the future. And, I WILL be reading all the fine print!!
I have found that 3rd party insurance is usually a better deal than cruise insurance. It is more comprehensive, covers you from door to door which is important if you have pre cruise/post cruise plans that is not being sold by the cruise line, covers you if you don't use cruise air if something should happen on the way to port causing or you to have to change flight arrangements, stay overnight, etc. and is cheaper.

On an $1,800 booking per cabin, I was quoted $92 per person for cruise insurance. These people are traveling with their two children so they needed to cover themselves and their two children in a separate cabin for a total cost of $368. Total cost with a 3rd party insurance for all four was $103 for $4,500 coverage.

Occasionally it is cheaper to go with cruise insurance if you are older and/or using their air and hotel package as 3rd party rates are based on a combination of age/cost.

You certainly need to put the pencil to the paper to do some comparison shopping.

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Old September 20th, 2011, 01:31 AM
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sorry
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Old September 20th, 2011, 07:13 AM
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I normally buy 3rd party travel insurance but this is still good to know. I too assumed that those who elected to take the RCI travel insurance would be covered as soon as they made their deposit. The CVPs should make it absolutely clear that the insurance premium must be added to the initial deposit in order for coverage to begin immediately.
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Old September 20th, 2011, 08:11 AM
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I am very upset by this. While we were on our cruise this past January we booked a b2b for next January/February on Serenade. We took the insurance and paid the deposit that they required ($100 each per week). We did not know to pay the insurance cost at that time...it was not mentioned by the Loyalty Ambassador when we booked the future cruises. We returned home on Saturday and my FIL was hospitalized on Monday with several bowel perforations, the symptoms of which actually started while on the cruise. After 3 months of hospitalization and some time in a nursing home he is home but still not fully recovered and is possibly facing a very major surgery. We weren't too worried about it because we don't have to make final payment until mid-November and we have the insurance so we figured we could cancel even after final payment if this prevents him from going. I am so angry at myself but honestly it's a question I didn't know to ask. So now the question is, what do we do now? To complicate things, we have already purchased our flights believing the cruise insurance would cover it if he had to cancel. My questions apply to my MIL & FIL...my DH and I will still go even if they can't.
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