Babr

That is typical for medical evacuation. Does it pay your hospital bill before you are discharged?

They all pay for covered events including transportation and care. The question is when.

Travel insurance reimburses covered expenses when you file a claim. Always be prepared to pay up front. GeoBlue has a network of providers that will care for patients, but you may or may not have access to them in an emergency. Other policies may guarantee payment in order for you to be admitted to a hospital. In short, travel insurance does not perform in the same way your primary insurance does at home.

I don’t know that this has happened, but at the very least the passenger would be denied any compensation which might otherwise be allowed. Celebrity does have the right to disembark unruly passengers. It is in the Contract of Passage, but few take the time to read it.

Does the discount apply to online bookings or is it an incentive that is only offered on embarkation day?

Are you flying on a US carrier or foreign air line? Did you buy a refundable or non- refundable ticket? If you are flying with a US company with a non-refundable ticket, the air line typically issues a voucher if you cancel. It can be difficult to impossible to get insurance to reimburse you for the cost because they consider you to be compensated once you receive a voucher. If you are paying for the cruise this month, it is smart to insure your cruise fare when you make final payment. At that point, your money is at risk if you have to cancel. A second advantage is that there are policies that will also cover pre-existing conditions if the policy is purchased then. You probably are not aware of the pre-existing wavier if you have never purchased travel insurance. It means the insurance company will look back at your medical history for a specified number of days to see if your cancellation is tied to an already existing illness or injury. Some policies even include family members not traveling with you. If they find a cause, the claim will be denied. The waiver protects you from that. Be sure you understand how it works before you buy. So - yes, you need to be shopping now. There are a lot of pitfalls in travel insurance, especially for first-time buyers. I’d feel better about it if you’d get some professional advice. People across all forums on CC depend on Trip Insurance Store assistance in picking the right policy.

Yes, but the subject is how to use them in the casino to cash out excess OBC. Just curious. Never mind. I don’t want to get into an inappropriate discussion, and it would take a lot of explaining for me because I don’t know the first thing about the casino. I only ever enter it to pass through on my way somewhere else. I’ll use the list to find other ways to use it.

What other options are there for Celebrity OBC? The FAQ implied that those two were the only ways the nonrefundable OBC could be used.

In a current thread from the Beyond, David Kane posted a FAQ with a question about OBC. The answer states that credits can be used for promotional chips or slots, but they can’t be cashed out. See page 2. The document is posted sideways and is easy to overlook. Does that close the loophole?

I look forward to more posts on your blog. Beautifully done! Thank you for the link.

https://www.allianztravelinsurance.com/find-a-plan These Allianz plans include cancellation and trip interruption.

Medical evacuation in a comprehensive travel policy provides for hospital-to-hospital transfer if you need a higher level of care. It is to the nearest appropriate facility, not necessarily to your home country or to the facility of your choice. It involves the input of the attending physician, the receiving facility / physician, and the insurance company. Usually, the patient is returned home by commercial air once he is able to travel. Air / sea rescue is performed by the Coast Guard/military of the nearest country at no cost to the patient. Always be prepared to pay for medical care when you travel outside the US. Some policies may advance funds if required for hospital admission; otherwise, travel insurance provides reimbursement after submitting a claim.

Before you decide, consider the fact that you have several connecting flights to reach your destination. Allianz provides for cancellation under certain circumstances if your carrier can’t get you to your departure point within 24 hours. They will reimburse you for alternate transportation if you can get there by other means. See #9 under Trip Cancellation and Trip Interruption. Also see the section for Trip Delay.

https://www.allianztravelinsurance.com/api/certificates/download/all?ProductID=27463&State=TX Here is the link. Scroll down to page 7 to see the list of covered reasons for cancellation.

Random thoughts - Flights typically don't get reimbursed by insurance. The airlines issue vouchers if you cancel. They issue credit if they cancel. Insurance is not involved if you are compensated by the airline. Hotels are usually refundable depending on your booking terms. Decide if you want to include the cost in the amount insured. It will impact the premium. You can use the $50,000 to supplement your coverage from BCBS. Be prepared to pay up front and file with BCBS and Allianz when you return. A pre-existing condition refers to anything in your medical history during the look-back period. It could be a test, treatment, reported new symptom / diagnosis or even a prescription change. If it can be tied to your reason for cancellation, the claim will be denied. You are covered if anything develops after you purchase insurance. CFAR coverage is important only if you cancel for a reason not covered in the policy. You are covered for a number of reasons listed in the Allianz policy, and yes you get 100% cash reimbursement. Click on the link to the certificate of coverage to see the list of covered reasons.

People are reluctant to respond because you indeed have a complex situation, partly because you are doing this in reverse. It is easier to asses your needs first, then find an appropriate policy. That said, I do not have any personal experience with Allianz, but many Cruise Critic participants have found it completely satisfactory. The only concerns I have is that the medical coverage caps at $50,000, and you probably won’t be covered for pre-existing conditions unless you are still in the 14-day window to qualify for the waiver. The advantage with Allianz is that you will be covered from the time you leave home until you return. I expect that NCL covers you only during the cruise, not the land portion unless you booked it through NCL as well. The advantage of NCL is that it does have a Cancel For Any Reason provision. I don’t know that it makes sense to keep both policies. People buy third-party policies all the time. You are not obligated to have NCL insurance in order to be covered for cancellation. Just be sure you read the Allianz policy so that you understand what is covered. Be clear about the definition of a pre-existing condition and to whom it applies.

The only difference is that not all policies allow a pre-existing conditions waiver at final payment, however, there are some if that is a concern. CFAR is not available at that time. Purchasing at final payment allows you to postpone buying insurance until your money is at risk during the cancellation penalty period. Once purchased, the policy is nonrefundable after the 10-day examination period.

If you paid with a credit card that offers travel benefits, you could file a claim with them. Depending on the card, it may not cover full reimbursement; but you would get whatever it offers up to the policy limit. On the other hand, if you were hospitalized for a pre- existing condition, it won’t pay at all.

https://www.carnival.com/legal/covid-19-legal-notices/covid-19-refund-cancellation-policy Did you submit the information to Carnival? It appears the refund should come from them.

Not enough information to know what happened. Did the insurance company say why they were paying only $400? What policy did you have? One purchased from Carnival? AON administers the claims for several cruise lines, but they are not the underwriters. It sounds as if your supplement does not cover foreign travel. Not all of them do. Did you then use the denial to submit a claim with your travel insurance?

I think you misunderstand. Steve will not insure them because they have no cash value. Princess requires you to insure the full amount; but if you cancel for a covered reason, you’ll be refunded only the actual dollar amount you paid. The FCC will be returned to your account, but they will be allowed to expire with no refund. Take another look at Terms & Conditions Paragraph 3. I think your TA and the Princess agent were missing some key details about the nature of your FCC to give you an accurate answer. Consider the goodwill FCC to be a discount. You won’t be getting them replaced if you cancel.

Does your FCC represent cash value from a refund or is it bonus/goodwill? I’m asking because Steve said not to insure it. That indicates it has no cash value. Is the FCC that is returned in case of cancellation the same one you booked with that expires in April? Look again at Paragraph 3 of the Terms & Conditions.

Travel insurance has always been complex. It is just that more people are finding that out as more are having to file claims for illness or travel disruptions. Travel agents sell policies but often are not knowledgable about how they work. They are not travel insurance brokers, after all. If you want help finding the policy that best fits your needs and assistance with a claim if that becomes necessary, you should consider a licensed broker. As cited in a previous post, many here on CC are happy with Trip Insurance Store.

Post final payment? Aren’t you in the 100% cancellation penalty period after final payment?

There are a number of plans that allow a waiver for pre-existing conditions if purchased by final payment. There can be other requirements such as being fit to travel, as you know, and some policies require you to insure all prepaid nonrefundable expenses. Once purchased, the plan is nonrefundable after the 10-day examination period; however, you might be able to transfer it to another sailing at a later date if you have to cancel before final payment. To be sure you get the right information for your situation, I recommend that you call Steve Dasseos at Trip Insurance Store. Be sure to disclose the details of your husband’s treatment and current condition. Steve can recommend an appropriate policy if he determines that you meet the requirements.