Search Results for posts made by: cherylandtk

Are you referring to the coverage for medical...
Are you referring to the coverage for medical evacuation and repatriation as ‘transportation’? If so, then you have both medical coverage on the trip (you get sick and need the ship doctor’s care,...
I could not find a policy which covers mechanical...
I could not find a policy which covers mechanical breakdown of a personal vehicle under cancellation/interruption insurance. Please post if you find one, I am sure it would be of use to many others.
I think it is worth a call to your state...
I think it is worth a call to your state insurance commissioner. The policy just states a delay of 12 hours or more while enroute to or from your Trip. Doesn’t state a single delay.
The upshot is you want to cover the amount that...
The upshot is you want to cover the amount that you would be liable for in case of cancellation or interruption. So if you are three or four to a cabin, then yes, you do have a different cost to...
Based on what I know, because of the $0 stated...
Based on what I know, because of the $0 stated cost, the policy effective date is not the date of purchase, it is the date of trip start. One of those tricky glitches as mentioned by Steve in the...
This is tricky for a couple of reasons. Most PEC...
This is tricky for a couple of reasons. Most PEC conditions are defined by ‘having seen a doctor’ or ‘for which a reasonable person would have seen a doctor’. What you describe could be reasonably...
Glad it worked out for you and your husband.
Glad it worked out for you and your husband.
Just one other thought, you might check with your...
Just one other thought, you might check with your homeowner’s policy to see if it might cover the loss. But again, without receipts or photos, they will likely limit your loss to a very depreciated...
The pre-existing waiver on most (all?) policies...
The pre-existing waiver on most (all?) policies requires that you insure all non refundable prepaid costs; so using only $0 or $1 or $200 would mean you are not elegible for the PEC waiver. If the...
https://boards.cruisecritic.com/forumdisplay.php?f...
https://boards.cruisecritic.com/forumdisplay.php?f=635
Be cautious about waiting too long to purchase...
Be cautious about waiting too long to purchase the insurance; if the school year gets extended before you purchase the insurance it is no longer an unknown situation and coverage will be denied.
...
Jerry, Do you only want medical coverage, not any...
Jerry, Do you only want medical coverage, not any cancellation/interruption/delay? Then the cost of a two day policy vs a five day policy for the same coverage limit is negligible. Plus, most travel...
Not a dumb idea at all. Just be advised that in...
Not a dumb idea at all. Just be advised that in the case of a claim and overlapping coverage (i.e. while on the cruises) that your two policies will have to negotiate with each other to share the...
What does your policy say under the Cancellation...
What does your policy say under the Cancellation coverage about cancelling due to the illness of a family member? Are there any limits listed? i.e. new illness or doctor statement that your presence...
If you are considering using this agent,...
If you are considering using this agent, definitely ask why their price is higher than going direct with the cruiseline. But I would not even bother with that and would find a high volume travel...
I would be interested in knowing how this sort of...
I would be interested in knowing how this sort of claim turns out. Best wishes on the surgery.
It was intended simply as a query as to resolve...
It was intended simply as a query as to resolve WHY the bad experience occurred. Many first-time claimants are completely unaware of the limitations of trip insurance; if the poster’s bad...
In what country do you reside? Policies are...
In what country do you reside? Policies are dependant of local residence and have vastly different regulations and rules.
Whoever you spoke to at Travelex fed you a load...
Whoever you spoke to at Travelex fed you a load of poppycock. Insurance is a regulated industry and the same policy for the same persons of the same age residing in the same state have to be the...
What was the brand of the insurance (not the...
What was the brand of the insurance (not the broker) you purchased? If your claim was not paid, what was the reason given and why do you believe it was covered and should have been paid?
OK, I will try and take a stab at these terms...
OK, I will try and take a stab at these terms again, and with luck I won't confuse anyone further. But it is important to understand the differences because it could make a huge difference in filing...
Pretty sure you either have this backwards or are...
Pretty sure you either have this backwards or are misunderstanding the term "waiver of a pre-existing condition (PEC)". If an existing medical condition is stable (as defined) and unchanged it is...
Because the whole ship is a profit or loss...
Because the whole ship is a profit or loss center, not an individual cabin, regardless how many fares are collected. Yes, fares are set and sold per cabin, but Regent cannot just pull empty cabins...
This question comes up on this forum routinely,...
This question comes up on this forum routinely, and the answer is not really.

Reason we've been told is that the medical component is relatively low expense (hence the good pricing on an annual...
Definitely discuss this with Steve, he knows it...
Definitely discuss this with Steve, he knows it better than anyone here.

That said, I would suggest you look at Steve's other policies, too. Most lookbacks (number of days prior to policy...