Babr

As long as the condition is stable, it is not considered in the pre-existing exclusion. Any other test, treatment, symptom, or diagnosis in that window can be considered if it can be related to your reason for cancellation/interruption. Also check on all those other people listed in that provision to be sure they have not had any events during the sixty-day look back, especially if you have elderly or ill family members.

Can you dial the local number? 816-282-6858 816 is the area code, not a toll-free number.

Sorry. I misunderstood your meaning. Yes to the OP checking with another company. Many here of CC depend on Trip Insurance Store to offer good advice and options.

I don’t think checking with another company will make a difference. Third-party insurance will insure only the actual dollar value. That is why you could insure only $900 of your discounted cards. If there is no cash value as is the case for goodwill or bonus FCC, then it can’t be insured. Princess insurance is different because it is a hybrid product consisting of true insurance from Nationwide for some named risks and a CFAR element from Princess.

Is it considered as goodwill or was it a refund for the days you were isolated? Only those FCC which result from loss you paid for can be insured by third-party policies. It is my understanding that Princess requires you to insure the total amount including FCC. According to T&C posted above, refundable FCC are returned.

https://www.princess.com/plan/fcc-onboard-cruise-credits/ Here is a link to the Terms and Conditions governing FCC. You will see that bonus FCC such as you have does not represent cash value, therefore can’t be insured by third-party policies. Be sure your agent understands your FCC is goodwill not a refund from a cancelled cruise.

https://www.princess.com/plan/fcc-onboard-cruise-credits/ Here are the rules governing FCC. Scroll to the bottom of the page for Terms and Conditions.

Not all policies cover FCC as a form of payment because it has no cash value; however, there are some that will allow you to insure the value of those that result from a cancelled cruise but not those that were granted as goodwill or bonus. It is a complex issue. To be sure you are getting what you need, call the professionals at Trip Insurance Store to discuss your options.

Yes, Trip Interruption and Trip Delay are not prepaid expenses. I was not considering them in my answer about accrued interest though those, too, could be carried as a balance until the claim was settled. In addition, as you pointed out, additional expenses for the spouse are covered while the patient is being treated along with return transportation. In any case, I have never seen a policy that states it will pay the interest on any medical or travel expenses while the claim is pending. It is an interesting question for Steve, but I’m betting No.

Not to my knowledge. Policies list covered medical expenses and services. Otherwise, they cover prepaid nonrefundable expenses up to the policy limit. Accrued interest on a credit card does not fit either of those definitions.

It is not just you. It applies to traveling partners and family members. Take some time to read the definition of Pre-Existing Condition on page 47.

https://cdn.f9client.com/api3/file/1130287/inline/BGC10981_ADA_compliant_0915.pdf?__gda__=exp=1674099981~acl=/api3/file/1130287/inline/BGC10981_ADA_compliant_0915.pdf*~hmac=a829ae8498c67eb7fb2ea53bb26a49eebf05aa0dbbacf43b1919f615b707494f Page 43 under What’s Not Covered?

If you were reading your Guide to Benefits, you just did not read far enough. Continue reading and you will find that pre-existing conditions are not covered for Trip Cancellation or Trip Interruption. Call Chase for clarification to be sure you understand how it works and to whom it applies whether or not they are traveling with you.

For those who depend on credit card coverage, be aware that it does not cover pre-existing conditions for you, your traveling companion, or your family. That has broader implications than you may have realized.

It depends on whether the remaining passenger has insurance with single supplement coverage.

Yes. In order to file a claim, you must cancel in a timely manner to avoid further penalties. If cancellation is delayed and additional penalties are incurred, insurance will not cover them. In any case, cancellation must be for a covered reason as defined in the policy. Those who do not show up at all with no notice of cancellation have no basis for a claim.

The exact wording is “between now and April 23.” I did not mean to confuse you with an imprecise choice of words. I expect that it extends through April 23. It is the remaining piece of the COVID Assistance Plan, but Book With Confidence is over. https://www.celebritycruises.com/health-and-safety

Book With Confidence expired. You can still cancel for a refund only if you test positive for COVID within 10 days of sailing for cruises until April 23. Otherwise, regular cancellation fees apply. Your travel insurance may cover it if you cancel for a covered reason as defined in your policy.

https://www.windstarcruises.com/health-safety/covid-protection-policy/ It appears the policy just expired at the end of December.

I don’t know what details were provided on the receipt you received. Perhaps they would ordinarily want something with the diagnosis billing code and the attending physician’s certification / license number.

Correct. Check the language for Effective Date. Cancellation coverage usually begins at 12:01 AM on the day after the company receives payment. From that moment on, you are protected for covered reasons as defined in the policy. The purchase of insurance within the defined window of 14-21 days after payment, in your case - full payment, also gives you the pre-existing conditions waiver and CFAR if you want to purchase it. CFAR requires an additional premium.

Not necessarily. Notice that item (a) provides for hospital-to-hospital transfer. It just means they will move you to another hospital capable of providing a higher level of care. “Nearest” is the key word. Usually the patient is returned home by commercial air once he is able to travel as described in part (b). Do not assume that you will have transportation by air ambulance from distant parts of the world.

The difference is that you have to pay to get your money back if something happens in that 11 month window that keeps you from sailing. It is not a revenue-neutral proposition. Once the deposit is paid, one faces at least a cancellation fee or a more significant cancellation penalty starting at 120 days based on percentage of cruise fare. To protect against the penalty, one can buy a nonrefundable insurance policy. One may not be making much on his money during that time, but he stands to lose more than your hypothetical $250.

The same is true of third-party insurance. Although there are some policies that allow the waiver of pre-existing conditions at final payment, that makes no difference when the final payment is so close to initial deposit. If you wait until the penalty period for cancellation, you have given up all time-sensitive coverages such as CFAR, pre-existing conditions waiver, or financial default. The policy can be moved to another sailing, but it is nonrefundable.

And your primary medical insurance will cover any medical expenses in case of illness, injury, or accident?