mcrcruiser

Mary how do you get ahold of Steve ? I would like to ask some questions .What is his phone number ? TIA

Crystal I can but one year of Allianz travel ins with med vac , medical baggage & car insurance included for $276 ,00 for both of us ,at 85 years of age . We just got the quote .Then we have a medicare HMO which will cover emergency medical any where in the world with a $110.00 co pay . . no matter who thes company is first check their current financial condition 7 then read the entire policy contents . too many times we the people will gloss over those important areas until we need the insurance to pay the claims .It is the old adage "buyer be ware "

Mary yes we all are working with people . People can & do make mistakes ,even the best of intentions can go bad . Then there are those companies that purposely try to steal from the public & are getting away with it ,for now . Insurance coverage is not a guarantee that things won;t go wrong . I am dealing right now on a small $700 .00 travel insurance claim .I was very ill for about 4 to 5 weeks ,at home & not sure if I was going to live or die . God kept me alive 7 I got well ; but ,in the meantime I fell into a $700 HAL penalty on one cruise . Jan 2 ,2024 I cancelled 4 cruises with out TA ,due to the fact that my wife would struggle with all the details should I have died . Well ,low & behold this dam insurance is trying all ways not to pay a small claim .That is another example of what we as consumers can be facing into the future , At some point in time what these firms do to people will come raring back at them .

Who is Steve ? Are you saying GeoBlue insurance carries cancel for any Reason ? Then what percent of your money for you get back ? Is it 100% or less ? We wpild have done the 35 day cruise Hawaii & South Pacific if I could have bought Med Jet Assist ins . Just too old they don't sell it to 85 year olds . All a person has to do is experience being in a city hospital in a foreign country . Thei dumb america doctor put me into a Rome city hospital to get my elevated blood pressure down ,I sat for close to 11 hours with lassic in my arm . Other things happened as well in that zombie city hpspital . Belvue in NYCity looks like a palace in comparison .I checked myself out & they could hardly utter one word in English .The next day I phoned American Express insurance company & they told me 2 hospitals .one of which was Rome American in Rome but on the other side of Rome where we were staying , in 2008 it was $15000 just ot get in with nosurgery .one day ICU & 2 day follow up . Mt head doctor was a Heart Specialist & internist & was the head profesor from the Rome School of Medicine . Additionally ,do not count on that people in foreign countries speak affluent english . Even as large a city as Rome is we founf few of their staff that spoke fuent english which can be another serious problem unless the persin has command of that local language Stuff happens all the time 7 especially in a emergency how do you come out is what is important . Even here in the USA there are countless medical associated screw ups

also take a close look a muni bonds awhile back , Their insurance companies went belly up & people then found out that thise uni bonds did not have great underlying ratings , We now only buy general obligation muni bonds . Same for trip .travel insurance . In 2008 when I was in a Rome hospital I had travel insurance from American Express .They no longer sell travel insurance , At the time they were more than great & we got every dime including taxi fares , Another critical thing in traveling ovwer thias world , You must have a big line of credit on your Visa Credit Card's . Reason is when I went into the RomeAmerica hospital & no surgery was invlved in 2008 , I had to pony up $15000 .00 . Thus ,if your credit card does not carry enough credit you can not get into a pricvate hospital . They DO NOT TAKE INSURANCE from the USA There are so many things to be aware .another issue which happened to me in the Dublin airport was at a ATM machine . Good thing I carried 2 ATM Debit cards because one did not work in the machine .

One very negative thing I always remembered is what if the cruise line goes bankrupt how do you collect on a insurance policy you buy from them ? nothing in this world is 1000% guaranteed except death & taxes . Research is very very important to get the right coverages & expect that company to be in business . Wonder if any one ever checks the financials of the insurance company they buy from ?

That is 100% correct Mary ;however ,cancel for any reason is a no bargain insurance plan . Most people need coverage against the huge downsides of medical costs & or transporting them back to a home hodpital or their home . I was once hospitalized in Rome Italy . If I was not able to get on a commercial jet I would have been stuck in Rome or be willing to pay over $100,000 medical jet costs . We are both 85 years young & I can buy a yearly policy for as little as $276 .00 for both of us for one year . In our case I onlt need med vac insurance & the least expensive Allianz ins plan gives us that plus more medical & more baggage coverages . We have a Medicare HMO which insures us even out of the USA for emergency medical with a $110 co pay . So in reality it is a total cost of $276 .00 to be completely covered . We can not get med jet assist because we are too old . So we are careful where we travel to .

Candidly ant cruise line insurance us a waste of money . to get the best & least expensive travel insurance : 1. Get the chase Sapphire Credit Card & book your trip with that CC ,you get up to $20,000 in free trip cancellation & interruption plus baggage ins 2 .The go to Allianz Travel insurance not .com & pick the one year insurance that fits your needs from the 3 that arte offered 3 .If you are traveling out of the USA to any foreign nation or nations ,olease be advised that if you are hospitalized in a foreign hospital med vac will never get you tp ypur home hospital or home . Where there are airports you need "Ned Jet Assist: insurance ;which will take you by ambulance to the medical jet . If you do not have this type of medical jet insurance (there are several compnaies that offer it ) it will cost you well into 6 figures to get back home . Remeber unless you can walk onto a commercial jet on toyr own power there is no chance for the average person to get back hoe with out medical jet insurance . This & medical are the most important of all insurances because these 2 can be extremely costly

We have not had any glitches for some time noe . It seems to us that HAL has improved the web site , Knock on wood .

Anycruise ship could feel crowded when they are filled to capacity . The space ratios are published .The larger the number the more space between passengers . Most often the feeling of being crowded is at the Lido & MDR .The luxury cruise lines have the greatest space ratios . Like Seaborn ,Vlking ie

I was curious so I looked at the March 22,2025 HAL cruise on Koningsdam under the $2 deposit & the price for a veranda state room is $2728.00 . when I nooked it with HAL ,it was $2118 .00 & mY TA got it for us @ $1986 .00 with $300 un on board credit 7 vthat is not uet counting the $100 we get from our CCL stock Hmm so it seems that the $2 deposit sale has some higher prices

As I said earlier . Cruise Critic members on this HAL board know what they are doing & for $2 bucks no loss . We will see how successful this promo is down stream . When I looked at some Mexican Riviera & West coastal cruises ,it seemed to me the pricing was higher than I booked earlier paying the usual deposits .. It is alway the test of time whether these promos work or not . BTW . I waant to see all of CCL's cruuse lines do well as I own a lot of their shares . Our CCL shares will leave a good amount when we are gone ,so our adult children can sell or keep them

Agree with what you stated . The other sde of the coin is to get a cabin availability what a person wants they may have to wait to after final payment when those who placed a $1deposit turn in that cabin hold .Then there are enough of those that do not book ,the cruise line may need to drop the price ,like the $49 deal . Yes I own CCL stock & I do not sell my core holding I never liked this $1 deposit ,it benefits aome but most people are not on cruise critic

Crystal then this $1 deposit would work for you . I assume that in some cases this promo is a good deal not to tie up a lot of cash in deposits . however ,too many people will hold a cabin because it only costs $1 pp & then they cancel before final payment . imo it makes a lot of cabins coming back into inventory & then they need to drop the prices to resell those same cabins .does this truly make any sene for many people to cancel before final payment ?

And then try to get home if you did not buy med jet insurance