bissel

Good retrospection and summation. I fervently hope your predications are right.

Thank you, Steve.

This is great news! I too was thinking of them this morning and so am delighted to hear all is well.

I can only imagine what they and your family have had to go through these last weeks. Just terrible.

Hi Steve,

So they can’t dismiss the claim even though the cruise itself may be cancelled. That’s good.

Generally speaking, how long does it take to get the decision? Generally?

I’m thinking  Regent will cancel end of April, mid May. I would like it done by then. If they still have questions by then I intend to pursue it.

Thanks so much. Always helpful!

If one has filed for refund for total cost for medical reasons and the June cruise is cancelled  by the cruise line before a decision is made, do you think the insurance company will dismiss the claim because there is “nothing more to cover”? If the decision hasn’t come down I would need to request cash refund from the cruise line so as not to lose the total payment. Would that itself pose problems?

Unlike you, we do not have hotel reservations but do have a return flight that we paid for outside Regent.
I share your concern that with a 90 day wait the refund may never be seen, so filing the insurance claim might be safer. There is so much that is unclear that I am paralyzed by what to do, which way to go about this.

Thanks for your responses. It is helpful to talk with insurance experts as this can be quicksand!

Great fortune to have him for your agent. Not sure others will do that.

Have you then been denied any portion of refund of your premium?

Thanks. We live in California too.

P.S. I agree wholeheartedly about the FCCand rollover of insurance premium, for all the reasons you state.

Very interesting, gr’aunt. If I get a claim in ( not virus related) before the cruise line cancels, the insurance company could delay the claim I suppose until the cruise is cancelled, quibble and deny paying saying I could be reimbursed from the cruise line ( in 90 days and if the line doesn’t go broke).

Thank you for your insights.

Yes, I understand.

UUnet Bill,

truly excellent ideas and details of improving the Navigator. It always felt way too crowded for us and we won’t go on it again.

We are Mariner fans for many reasons. Explorer feels too closed in from the sea. Nice restaurants though.

Not COVID related.

Steve, I reread what you said about the companies probably discontinuing the refunding. However, if it is written in the contract that they will do so,  I think that is more ironclad than a notice on the website that they are refunding the premium.

I believe as well that this generosity, if not mandated, may not last.

Hi Steve,

The policy was purchased at the end of January so this wouldn’t qualify for the look back period, if I am understanding you correctly.

Tomorrow I will comb the policy very carefully to find the above quoted provision and if there is nothing about a refund I think I will call them and inquire. If there is no chance of a premium refund, I will probably file a claim for a medical issue that has arisen. Ugh. I don’t enjoy tussling with insurance companies.
Thank you for your thoughts. I much appreciate it.

Whoa! That’s really a tough position to be in. I’ll be interested in what you do. Best to you.

You just can’t win. Watch for TG or charge you a little bit more on your next cruise because of this and that. Roll it over if you need or want to make a switch to yet another cruise and a bit more is charged. Pretty soon it becomes very expensive coverage.

I am learning way too much about travel insurance too!

You needn’t be apologetic. Cruising is great for people who have some physical limitations and want to have vacations, see the world a bit, eat well, and enjoy ship activities. Cruising is often the only viable option.

Those folks who are so robust and rip-roaring and just can’t stand those slower fellow cruisers? What the heck are they doing on a wussy cruise ship anyway? 

Thank you for your response. I am so sorry that your husband is undergoing this. May things get better for you both.

Thank you for your response, Papaflamingo.

l know the insurance doesn’t cover anything to do with the virus, either the fear of or the contraction of it. I was just curious if the premium would be refunded if the cruise line cancelled. It doesn’t seem right to me that they would keep 100% of that premium. That premium could be well into the thousands.

I have frequently rolled over premium payments from one cruise to another when I change my mind. Now the FCC is way too risky for us.

I always have purchased insurance two weeks after deposit for the pre-existing coverage. Too much can happen between times! As we all know now. 😢

Wish I’d known of you before! 🙂

Thank you, Steve. My premium is screamingly high so I’m not sure the company would voluntarily refund it ( rolled over many times plus final payment for upcoming cruise.) Always purchased within 15 days after cruise deposit for pre existing condition waiver.

Now something’s come up so probably will go that route.

You would think though that it is something that WOULD be put in a contract one way or the other. People who write contracts think of everything I assumed. 

Thank you Roger88. I will try that although online only might be available.

Very nice of Allianz. I do not find this issue addressed even in the contract.

Odd, isn’t it?