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CruncheyFrog

Disappointed with Norwegian

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1 hour ago, CruncheyFrog said:

We had travel insurance prior to booking. And even when an illness occurs after travel insurance is in place, but prior to the trip, the pre-existing condition applies. If you end up in a European hospital because of your pre-existing condition, you are paying out of your own pocket, which can run into tens of thousands, if not hundreds of thousands, of dollars. This is why we are cancelling, as it is a big chance to take. Apparently many people aren't sympathetic to this problem. NCL could easily rebook a balcony room within a month. Any money they lost would be made up in future bookings that I, my friends and family would have booked with NCL in the future.

 

You clearly do not understand how insurance works. A pre-existing condition is one that exists at the time you purchase the insurance.

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This thread got me thinking about the travel insurance I purchased.  I checked and I am covered for pre-existing issues as I purchased the insurance the same day I booked the cruise.  Cruise is February next year.  A lot of good information on this thread. (Except the arguing back and forth).

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1 minute ago, cincicruisers said:

This thread got me thinking about the travel insurance I purchased.  I checked and I am covered for pre-existing issues as I purchased the insurance the same day I booked the cruise.  Cruise is February next year.  A lot of good information on this thread. (Except the arguing back and forth).

I always purchase the insurance before final payment...

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5 minutes ago, GeezerCouple said:

 

Note that OP is finally disclosing even more weird info.  They aren't sick... they worry they MIGHT GET SICK.

And want insurance to pay them.

 

GC

I'm not looking for insurance to pay me. I asked NCL if they would give me a credit because if I travel and suffer a recurrence I will have to pay all my own medical costs, which can become very significant. I'd rather lose $6500 than tens, if not hundreds of thousands, of dollars.

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5 minutes ago, CruncheyFrog said:

I'm not looking for insurance to pay me. I asked NCL if they would give me a credit because if I travel and suffer a recurrence I will have to pay all my own medical costs, which can become very significant. I'd rather lose $6500 than tens, if not hundreds of thousands, of dollars.

And they said no, just like to the thousands of others who ask the same thing, many who come on these boards and complain.

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6 minutes ago, CruncheyFrog said:

I'm not looking for insurance to pay me. I asked NCL if they would give me a credit because if I travel and suffer a recurrence I will have to pay all my own medical costs, which can become very significant. I'd rather lose $6500 than tens, if not hundreds of thousands, of dollars.

So how long would you want the credit to be good?  It sounds like you are indefinite about if you would have a reoccurrence.  That could be a month, a year, five years.  When would you be confident to travel?  To me is sounds like maybe never. 

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8 minutes ago, CruncheyFrog said:

I'm not looking for insurance to pay me. I asked NCL if they would give me a credit because if I travel and suffer a recurrence I will have to pay all my own medical costs, which can become very significant. I'd rather lose $6500 than tens, if not hundreds of thousands, of dollars.

 

Really?  Getting a "credit" is just another way to get a refund, but it's less flexible (you can't use a cruise credit to purchase a car, for example).

 

You need to learn about insurance.

And about what happens when you sign contracts that say, for example, NO REFUNDS/etc., after a certain time.

That applies to EVERYONE.

 

GC

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So basically after 4 pages and 80+ posts is that this is an insurance issue and NOT a NCL issue.  Can a moderator change the title and place it in a more appropriate section of this website.🤷‍♂️

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5 minutes ago, Dar & Bob said:

So how long would you want the credit to be good?  It sounds like you are indefinite about if you would have a reoccurrence.  That could be a month, a year, five years.  When would you be confident to travel?  To me is sounds like maybe never. 

Once we are both stable for 6 months we would be willing to travel. If the credit was good for one year I would be happy. But that isn't happening, so we have to move on.

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Just now, TruckerDave said:

So basically after 4 pages and 80+ posts is that this is an insurance issue and NOT a NCL issue.  Can a moderator change the title and place it in a more appropriate section of this website.🤷‍♂️

 

Uh, no.  Look at post #81.  He does NOT expect insurance to pay, after all !! !??

 

He wants NCL to give him a credit, which he thinks isn't any sort of refund.


GC

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1 hour ago, CruncheyFrog said:

The insurer is Allianz, but that is irrelevant, as all insurers exclude pre-existing conditions. We live in Canada, but I'm not sure how that is relevant.

We have always bought travel insurance which covers pre-existing conditions here in the US.  Yes it is more expensive however but well worth it.  The one and only time we have made a claim, it was due to my husband having surgery 2 weeks before the cruise.  The claim was paid 100% with no hassle at all.   The older you get the more pre-existing conditions you have.  Both you and your wife have pre-existing conditions that is the reason for your trying to cancel with payment in full refunded.  That would be nice, but not going to happen.  Lesson well learned, imho.

 

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1 hour ago, Homosassa said:

Then you are confused about the type of insurance you need.

 

You need medical insurance that will specifically cover you out of the country for the duration of your trip.

 

Many US citizens on Medicare need this type of insurance as Medicare does not cover medical costs outside the USA. (Medicare, unfortunately, lowers the quality of our medical care to that of the quality of care offered by other nationalized medical care systems).

We have Medicare with Part F supplement and it is the best most comprehensive coverage we have ever had....we don't pay a cent for treatment, can go to any hospital in the US, to any specialist, anytime.  Gimme a break.

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1 minute ago, lanceholt said:

We have Medicare with Part F supplement and it is the best most comprehensive coverage we have ever had....we don't pay a cent for treatment, can go to any hospital in the US, to any specialist, anytime.  Gimme a break.

 

Homosassa is actually saying something important.

Not everyone on Medicare *realizes* that they need some sort of supplement / Advantage plan /outside insurance for coverage outside the USA.  That's unfortunate, but true.  (Both the coverage limits and the recognition...)


GC

 

 

 

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32 minutes ago, CruncheyFrog said:

I'm not looking for insurance to pay me. I asked NCL if they would give me a credit because if I travel and suffer a recurrence I will have to pay all my own medical costs, which can become very significant. I'd rather lose $6500 than tens, if not hundreds of thousands, of dollars.

 

I have read the T&C of your policy, you only need to be stable for 6 months prior to the policy starting, the policy is clear existing conditions only apply to conditions that existed before your policy started and you have stated your policy started well before the condition.

 

You are not liable for 1000's of dollars if you fall ill unless you travel against medical advice, as you don't have a pre existing condition you are covered for medical costs.

 

If you simply don't feel comfortable travelling that's another matter and one you will need to cover the cost of, NCL are not responsible for this, you however keep saying you will be liable for medical bills if you travel which your Canadian policy clearly says is not the case.

 

Tell me where in the T&C's you are not covered:

http://www.tninsurance.ca/travel/tic/allianz-travel-insurance.htm

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Posted (edited)

I probably would not have made the decision to cancel under the premise that I might (or my spouse) have a recurrence of a medical condition.  Guess I'm more of a risk taker but the thought of having my canceled cruise come and go only to know that I could have gone after all seems agonizing.  I totally understand the OP's point about taking a "small" loss over a bigger one, but jeez...I could book a cruise, have the best travel insurance on the planet, have perfect health, and still get hit by a bus, thus preventing me from taking my cruise.  There are no certainties and living under "what if" conditions sounds very stressful IMO.

OP, I hope both you and your wife remain well despite the disappointment of this situation. 

Edited by Georgia_Peaches

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Hi everyone. I am in Canada. The OP is correct. We are not allowed pre exsisting conditions. However, I also purchased cancellation insurance which would have worked in this situation. You can cancel for any reason with cancellation insurance. It is more expensive this way but worth the peace of mind. 

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23 minutes ago, ziggyuk said:

 

I have read the T&C of your policy, you only need to be stable for 6 months prior to the policy starting, the policy is clear existing conditions only apply to conditions that existed before your policy started and you have stated your policy started well before the condition.

 

You are not liable for 1000's of dollars if you fall ill unless you travel against medical advice, as you don't have a pre existing condition you are covered for medical costs.

 

If you simply don't feel comfortable travelling that's another matter and one you will need to cover the cost of, NCL are not responsible for this, you however keep saying you will be liable for medical bills if you travel which your Canadian policy clearly says is not the case.

 

Tell me where in the T&C's you are not covered:

http://www.tninsurance.ca/travel/tic/allianz-travel-insurance.htm

This sounds more reasonable than op’s claim that he won’t be covered should he decide to travel.  

 

There’s countless scenarios one could plug in regarding how frustration op has with ncl are misguided.  

 

I often purchase non refundable hotels online.  Once done I am not able to call Expedia and say, I want to change dates.  It’s a final purchase and non refundable. If I want refundable I pay for an insurance policy or purchase a refundable room and pay more $.  If I want a refundable cruise I purchase cancel for any reason insurance and pay more for it.  Cancel for any reason has limitations too.  

 

The only options I see are; Go on the cruise & have fun if medically able to travel or cancel and chalk it up to an expensive lesson learned. 

 

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7 minutes ago, Diane67B said:

Hi everyone. I am in Canada. The OP is correct. We are not allowed pre exsisting conditions. However, I also purchased cancellation insurance which would have worked in this situation. You can cancel for any reason with cancellation insurance. It is more expensive this way but worth the peace of mind. 

Diane67B, the OP has stated the condition was diagnosed AFTER taking out insurance, they say in Canada this is classed as existing even though it did not exist when the policy commenced because it existed before sail date, can you confirm this is your understanding in Canada as the T&C do not bear this out?

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Okay...I did read thru all of the replies & I hope I am right in what I believe.  I am from Ontario Canada and when I purchase travel insurance I am FULLY covered for everything with the exception of a pre-existing condition. And by pre-existing I mean any condition that has not been stable for a year prior to purchasing the insurance policy.  

If I do declare that I have a pre-existing condition I can still buy the insurance.  It's just more expensive.

But, if I buy my travel insurance before I experience any health issues that are not pre-existing then I can cancel and claim a refund from the policy.  And that policy would also include my travelling companions.

I have always dealt with Allianz & I would suggest that the OP have a more in-depth convo with them.

I'm not sure but I think mud is probably clearer than most insurance policies.

 

 

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I'm   missing something???    So-  it appears  above-  pre exisiting can be covered in Canada with specific policies?      I find it impossible to believe,   there is no insurance for any Canadian who has a pre exisiting condition??  

 

And-   the question is what  the terms of the policy are,  since they claim it was purchased prior?   

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1 minute ago, Diane67B said:

Yes, pre-existing is something that occurs before you buy insurance. 

 

Thank you.

The OP was diagnosed for the first time after they purchased insurance.

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I think that the OP needs to talk to their insurance providers for more information on their policy. It sounds to me like, should they have gotten sick, insurance would have paid. Maybe, they just were afraid of getting sick and ruining a vacation and wanted to postpone? Cancellation coverage would have taken care of that.

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I ALWAYS purchase cancellation insurance, on top of medical insurance in case of any unforeseen emergencies that may occur. You just never know when something might happen. I’ve never had to use it but it sure helps me breathe easier leading up to my vacation.

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