Princess Platinum Insurance Review

[caribill]

Princess insurance does not have the pre existing condition exclusion. Pre existing exclusion...unless I have it wrong....does not have any look back period..i.e. 60 days.

 

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Look at the post just before yours for info on the 60 day exclusion.

[Hlitner]

Regarding a related issue (previously mentioned) US folks on Medicare should understand that they have absolutely no medical insurance coverage in Canada (except in some cases where you are in transit to Alaska). Medicare supplemental (and Advantage) may give you some coverage in Canada or it may not (this depends on the type policy). Many Americans drive into Canada without any thought of medical and sometimes it results in very unfortunate circumstances (and possible bankruptcy).

 

Hank

[lighthousemom]

I am so confused after reading the policy in detail. Regarding the 60 day rule, it states that Princess won't pay for conditions first presented or diagnosed in the 60 days before the Cancellation Fee Waiver is purchased. Let's assume I don't purchase the policy until final payment, which is 75 days before travel, and I've been healthy up till then. If a week after final payment I am diagnosed with something that prevents me from going on the cruise, then am I entitled to my 75% cash refund (100% since I am Platinum)? What if I cancel because all of a sudden it's announced that my niece is getting married the week of the cruise? Would that fall under the 75% of FCCs?

 

I guess the thing I don't understand about the 60 days is, if I was diagnosed with something serious 60 days before I even paid for the cruise, I would be canceling the cruise anyway.

 

Am I missing something here?

[caribill]

I guess the thing I don't understand about the 60 days is, if I was diagnosed with something serious 60 days before I even paid for the cruise, I would be canceling the cruise anyway.

 

Am I missing something here?

 

If you have not had changes in your health in those 60 days, it means you are medically stable and thus as far as the insurance company is concerned low risk to insure.

 

It does not matter what you have been diagnosed with before those 60 days, it is whether the condition has not changed or treatment for it has not changed.

[RMM34667]

All my travel mates on a cruise last November got a free casino cruise (not me) but I booked two cabins paying the $50 pp for a balcony (snagged side by side Caribe deck balconies on the Caribbean Princess). And that was my Christmas present to three family members. I purchased the princess insurance for my mother only. (I was thinking why pay $39 pp for the rest of us. We are healthy.) Of course she ended up in the hospital and we were unable to cruise. I knew when I booked I might lose that $50 per person but hey, A Caribe Deck balcony on a 5 day cruise for 50 bucks that was worth the risk.

 

Anyway totally forgot I had purchased insurance for my Mom till last week when I booked two more cruises. And I was wondering if it was too late to file for cancel for any reason portion of the insurance. Called them up and they said "absolutely not". So I'm happy my mom will get $50 towards our next cruise.

 

Never had to use the insurance but don't think I'll book without it again. Even if the cruise fare is only $50. You never know what can happen.

[cherylandtk]

I am so confused after reading the policy in detail. Regarding the 60 day rule, it states that Princess won't pay for conditions first presented or diagnosed in the 60 days before the Cancellation Fee Waiver is purchased. Let's assume I don't purchase the policy until final payment, which is 75 days before travel, and I've been healthy up till then. If a week after final payment I am diagnosed with something that prevents me from going on the cruise, then am I entitled to my 75% cash refund (100% since I am Platinum)? What if I cancel because all of a sudden it's announced that my niece is getting married the week of the cruise? Would that fall under the 75% of FCCs?

 

I guess the thing I don't understand about the 60 days is, if I was diagnosed with something serious 60 days before I even paid for the cruise, I would be canceling the cruise anyway.

 

Am I missing something here?

Two clarifications: the 60 day look back period is for any medical condition that occurs during that time frame. Many serious conditions first present themselves and take a long time to fully diagnose. So if you had any new medical problem in the 60 days before paying for the cruise, and you would then cancel, that would be fine. The issue comes if you had a minor problem, did not cancel and that minor problem turned out to be something more serious down the road.

 

Your other question deals with the cancellation penalty. First, immediately after final payment the cancellation penalty is not the full amount of the cruise. It is on a sliding scale as the cruise date approaches, but a week after final it is only the deposit cost. It does not reach full cost until 14 days before. That said, the insurance will pay the applicable cancellation fee in cash if the cancellation is for a covered reason, and will pay in credit for a non-covered reason, including pre existing medical conditions, or a change of mind.

[delphis98]

I have just had to cancel my upcoming Princess  for good medical reasons with a note from the doctor and so forth and filed the claim online.  Will AON send me a check for the cruise fare/taxes/port fees, or will there be a credit to my credit card that I originally used to book the trip?  Is it partly a check for the non-refundable cruise fare and partly a credit to my card for the refundable port fees?  thank you for any insight.

[Coral]

I think Princess's insurance works for things like flu, colds, etc...

 

If you have anything serious happen, $10K an $20K won't go far! I buy an Allianz policy that has much better coverage as I won't leave the country with only $20K worth of coverage.

[RJAM3]

7 hours ago, delphis98 said:

I have just had to cancel my upcoming Princess  for good medical reasons with a note from the doctor and so forth and filed the claim online.  Will AON send me a check for the cruise fare/taxes/port fees, or will there be a credit to my credit card that I originally used to book the trip?  Is it partly a check for the non-refundable cruise fare and partly a credit to my card for the refundable port fees?  thank you for any insight.

 

[emmak8]

Thank you for posting. Glad all turned out well.

[RJAM3]

My wife and I had Princess Platinum insurance.  She fell and cracked hip so we had to cancel the cruse two weeks ahead of sailing.  Princess sent a check for port fees and taxes within a week of cancellation.  Anon was great to work with.  Received a check within 30 days.  No hassle!  Glad for insurance.   

[fishywood]

9 hours ago, delphis98 said:

I have just had to cancel my upcoming Princess  for good medical reasons with a note from the doctor and so forth and filed the claim online.  Will AON send me a check for the cruise fare/taxes/port fees, or will there be a credit to my credit card that I originally used to book the trip?  Is it partly a check for the non-refundable cruise fare and partly a credit to my card for the refundable port fees?  thank you for any insight.

The Government Fees, Taxes and Port Expenses will be refunded directly from Princess in the original form of payment. As would the portion of the cruise fare not obliterated by the cancellation penalty if you are before the 100% penalty phase (not cancelling fewer than 14 days before the cruise). If memory serves you would then receive a check for the balance covered by the insurance (the cancellation penalty percentage).

[DMRick]

While this isn’t about Princess insurance (although we do get it now when on Princess), several years ago my husband got Noro on the Grand and had to stay in his room for 48 hours. Someone from CC said to put the two days into our travel insurance and what a surprise, we got two days back (because the doc wouldn’t let him out of our room) of missed vacation. 

[NavyVeteran]

7 hours ago, Coral said:

I think Princess's insurance works for things like flu, colds, etc...

 

If you have anything serious happen, $10K an $20K won't go far! I buy an Allianz policy that has much better coverage as I won't leave the country with only $20K worth of coverage.

That depends on whether or not you have other insurance that covers you. For those of us on Medicare and Tricare for Life, Tricare for Life provides primary insurance outside the United States. So we only need coverage for trip cancellation/interruption and for the Tricare copayments/deductibles. In this case, I believe the Princess limits are adequate.

[AAAAmerican]

Obtaining any Insurance from an Airline and/or Cruise Line is not well.

 

People forget the Cruise line which went Chapter 7. They as well had written the Insurance Policies.

The Fares and Insurance was not refundable either..

 

Look at the recent WOW based in Iceland!

 

HIN T:

When getting Cruise and/or Air/ Common Carrier especially out of the Country;

Look at the Financial ABilities of the Company to p[ay which issues your Policies.

Look at the coverages, etc..

Make sure in Medical it is PRIMARY not SECONDARY coverages.

 

I set up a URL for all to benefit snd get quotes free to compare multiple firems and policies.

We have had to use two policies before too. One for my FIL (he passed):, one for my MIL.

 

travel DOT aaaamerican DOT Com

 

Edited June 16, 2019 by AAAAmerican

[Coral]

6 hours ago, NavyVeteran said:

That depends on whether or not you have other insurance that covers you. For those of us on Medicare and Tricare for Life, Tricare for Life provides primary insurance outside the United States. So we only need coverage for trip cancellation/interruption and for the Tricare copayments/deductibles. In this case, I believe the Princess limits are adequate.

Yes I agree. Most of us do not have good coverage outside of the US. My coverage is 50%.

[silversneakers]

9 hours ago, fishywood said:

The Government Fees, Taxes and Port Expenses will be refunded directly from Princess in the original form of payment. As would the portion of the cruise fare not obliterated by the cancellation penalty if you are before the 100% penalty phase (not cancelling fewer than 14 days before the cruise). If memory serves you would then receive a check for the balance covered by the insurance (the cancellation penalty percentage).

I believe even if you haven't purchased the insurance that all cruise lines must refund the government tax and port charges. But with no insurance, you would not get your cruise fare refunded.

[Coral]

8 hours ago, AAAAmerican said:

 

Make sure in Medical it is PRIMARY not SECONDARY coverages.

 

There are sometimes when Secondary works out better. It doesn't matter which you get as long as you realize what you are getting and how it works.

[Cruise Raider]

20 hours ago, Coral said:

I think Princess's insurance works for things like flu, colds, etc...

 

If you have anything serious happen, $10K an $20K won't go far! I buy an Allianz policy that has much better coverage as I won't leave the country with only $20K worth of coverage.

 

Not Medicare, but there many other policies do cover you outside of the country in which case, the $20K for coverage would probably be sufficient.  But, what many of these policies won't cover is medical evacuation costs.  That can really add up.  

Also, it is always important to check into what your credit card will cover.  We always purchase trip insurance but it is important for everyone to know exactly what is covered under every source possible and the associated costs of healthcare in the countries you are visiting in case you decide to risk traveling without any additional insurance coverage.  

[Coral]

4 minutes ago, Cruise Raider said:

 

Not Medicare, but there many other policies do cover you outside of the country in which case, the $20K for coverage would probably be sufficient.  But, what many of these policies won't cover is medical evacuation costs.  That can really add up.  

Also, it is always important to check into what your credit card will cover.  We always purchase trip insurance but it is important for everyone to know exactly what is covered under every source possible and the associated costs of healthcare in the countries you are visiting in case you decide to risk traveling without any additional insurance coverage.  

I realize this - it is just important that people check this. My coverage is only 50% though my employer. My sister is planning a trip to Europe next summer and when discussing insurance, she has no clue what her coverage is. That makes a huge difference when picking insurance.

 

Just important that people find out because if you don't have coverage - you need more than $20K if something big comes up.

Edited June 16, 2019 by Coral

[SeaLaRae]

21 hours ago, Coral said:

I think Princess's insurance works for things like flu, colds, etc...

 

If you have anything serious happen, $10K an $20K won't go far! I buy an Allianz policy that has much better coverage as I won't leave the country with only $20K worth of coverage.

Does Allianz provide for medical evacuations?  Even though I’m in good health, I am in my 70’s and concerned especially on the Transatlantics.

[Coral]

6 minutes ago, SeaLaRae said:

Does Allianz provide for medical evacuations?  Even though I’m in good health, I am in my 70’s and concerned especially on the Transatlantics.

The policy I buy through my agent has $1 million. Though the cost is age based and you would pay more than I do.

 

I think this is everyone's worry. You can be 20 and need your appendix out.

Edited June 16, 2019 by Coral

[SeaLaRae]

 

Thanks for your reply,  we always use Princess insurance and understand an evacuation private insurance is available but I need to research.

[Suncitycruiser1925]

Thanks for everyone's input.  We generally purchase Princess Vacation protection.  $20,000 medical and $50,000 evacuation still provides some helpful coverage if needed and cancel for any reason pre-cruise to be used for another cruise also provides some peace of mind.  We always purchase insurance, but thankfully have not had to use it.  Our friends purchased Princess coverage, had to cancel two cruises for medical reasons and were thankful to get their money back.  

[CalicoCruiser723]

I wanted to add another positive note for AON insurance through Princess.  I got a migraine headache the first day of our 28-day cruise and went to the doctor onboard the Star Princess.  After an IV with pain meds and a prescription for antibiotics for an UTI, the charge was $350+.  I was informed that the services would be charged to my onboard account.  I did ask the Med Tech if Princess insurance would pay for this charge, but he said "we don't have anything to do with the Princess insurance" and was given a copy of the statement charges.  At that point, I was trying to figure out why I had bought the insurance.  Luckily I was browsing through the CC boards and found the original poster.  Long story short, I went to AON website, filled out the paperwork online, told them I ONLY had Medicare, attached a copy of my statement and receive a note two days later that my claim would be paid in full!  The Princess insurance is well worth it!   P.S. Two years ago AON paid for my iPhone that I lost on an excursion in Norway!