Syracusefan44 Posted July 8, 2021 #1 Share Posted July 8, 2021 Since all passengers from New York State will be prohibited from purchasing Princess Vacation Protection after 7/20/21 I would greatly appreciate any information on travel insurance providers that offer coverage similar to Princess Platinum. My Federal Employee health insurance from Blue Cross covers my medical expenses overseas so main concern is trip cancellation for any reason and medical evacuation coverage. Below is a portion of the email that I received from Princess today: Link to comment Share on other sites More sharing options...
pms4104 Posted July 8, 2021 #2 Share Posted July 8, 2021 You might want to post this on the Insurance forum ... lots of knowledgeable people there. 1 Link to comment Share on other sites More sharing options...
franktown Posted July 9, 2021 #3 Share Posted July 9, 2021 36 minutes ago, Syracusefan44 said: Since all passengers from New York State will be prohibited from purchasing Princess Vacation Protection after 7/20/21 I would greatly appreciate any information on travel insurance providers that offer coverage similar to Princess Platinum. My Federal Employee health insurance from Blue Cross covers my medical expenses overseas so main concern is trip cancellation for any reason and medical evacuation coverage. Below is a portion of the email that I received from Princess today: Wow. Did it give the reason it isn't available to residents of New York? Wish I could answer your question but I always you PVP when cruising. Link to comment Share on other sites More sharing options...
Syracusefan44 Posted July 9, 2021 Author #4 Share Posted July 9, 2021 34 minutes ago, pms4104 said: You might want to post this on the Insurance forum ... lots of knowledgeable people there. Thank you. I did not realize there was an insurance forum. Link to comment Share on other sites More sharing options...
Rare LACruiser88 Posted July 9, 2021 #5 Share Posted July 9, 2021 What! Why is this affecting New York residents??? Link to comment Share on other sites More sharing options...
mjmalino Posted July 9, 2021 #6 Share Posted July 9, 2021 31 minutes ago, LACruiser88 said: What! Why is this affecting New York residents??? My thought is that NY has specific requirements that Princess does not offer. PVP is not the only travel insurance that is not offered to NY residents. Link to comment Share on other sites More sharing options...
Renmar Posted July 9, 2021 #7 Share Posted July 9, 2021 1 hour ago, Syracusefan44 said: This is one of the most confusing statements I have seen in a long time. If PVP is not available in your state why would they urge you to pay for it before that date. If you pay for it it seems kind of useless because you wont be covered. Do I miss something here? Theo Link to comment Share on other sites More sharing options...
memoak Posted July 9, 2021 #8 Share Posted July 9, 2021 7 minutes ago, Renmar said: This is one of the most confusing statements I have seen in a long time. If PVP is not available in your state why would they urge you to pay for it before that date. If you pay for it it seems kind of useless because you wont be covered. Do I miss something here? Theo Because the 21st is the date the New York law goes into effect. That is the explanation I saw on a different board Link to comment Share on other sites More sharing options...
Renmar Posted July 9, 2021 #9 Share Posted July 9, 2021 2 minutes ago, memoak said: Because the 21st is the date the New York law goes into effect. That is the explanation I saw on a different board OK, now it makes a little more sense why the date is in there. Thanks for the explanation. Theo Link to comment Share on other sites More sharing options...
capriccio Posted July 9, 2021 #10 Share Posted July 9, 2021 You will see Steve Dasseos from the Trip Insurance Store (TripInsuranceStore.com) recommended on the Cruise/Travel Insurance board (https://boards.cruisecritic.com/forum/499-cruisetravel-insurance/). I too recommend him and his staff. 2 Link to comment Share on other sites More sharing options...
NavyVeteran Posted July 9, 2021 #11 Share Posted July 9, 2021 3 hours ago, Renmar said: This is one of the most confusing statements I have seen in a long time. If PVP is not available in your state why would they urge you to pay for it before that date. If you pay for it it seems kind of useless because you wont be covered. Do I miss something here? Theo 3 hours ago, memoak said: Because the 21st is the date the New York law goes into effect. That is the explanation I saw on a different board Princess will not "sell" PVP to New York residents after that date. However, if you have purchased PVP before that date (and "purchased" means "paid for it"), then coverage will continue after that date. 1 Link to comment Share on other sites More sharing options...
caribill Posted July 9, 2021 #12 Share Posted July 9, 2021 5 hours ago, LACruiser88 said: What! Why is this affecting New York residents??? Per the new rules: The DFS guidance notes that CFAR policies are “separate and distinct from standard travel insurance, and should not be sold together per New York State Insurance Law.” https://www.forbes.com/sites/irenelevine/2020/03/08/governor-announces-change-in-new-york-state-travel-insurance-policy/?sh=4758ca051281 Since the Princess policy with CFAR is not a separate policy, this could be the reason. Link to comment Share on other sites More sharing options...
Rare ontheweb Posted July 9, 2021 #13 Share Posted July 9, 2021 10 hours ago, LACruiser88 said: What! Why is this affecting New York residents??? Every state has different laws. We had a Princess cruise booked last summer which of course did not sail. We had a refundable deposit. We wanted to buy private travel insurance early to cover pre-existing conditions. Our TA said even the insurance would be refundable if we cancelled according to NY state law because we only had a refundable deposit and hence no money at the time at risk. We cancelled before Princess as we saw that the cruise could not possibly sail and were not going to wait and tie up a final payment before Princess sailed. We had our insurance payment refunded. I posted about that in the insurance forum. And Steve DeOssos said he had never heard of Travel Guard refunding the premium. I confirmed that they had both after I received an e-mail from them acknowledging that the would and when the credit actually showed up on my credit card statement. I asked him what other states had a similar law. He tried to find out, but said he was not getting that information when he tried to contact state insurance commissioners. Link to comment Share on other sites More sharing options...
nini Posted July 9, 2021 #14 Share Posted July 9, 2021 What I think is worse, is that GeoBlue is NOT available in Washington State! It is the pits! Link to comment Share on other sites More sharing options...
nini Posted July 9, 2021 #15 Share Posted July 9, 2021 BTW- the OP may find the Insurance forum more helpful. Link to comment Share on other sites More sharing options...
Rare Hlitner Posted July 9, 2021 #16 Share Posted July 9, 2021 1 hour ago, nini said: What I think is worse, is that GeoBlue is NOT available in Washington State! It is the pits! True and I think New York has a similar problem. The reason is quite interesting (for those of us who were in the business) and it is entirely the fault of your own State Government. It is not about Geoblue but about your State protecting its own plans and making it nearly impossible for an outside arm of Blue Cross/Blue Shield to do business in your State. You might want to send a letter of protest to your Washington State Insurance Commissioner....Mike Kreidler. Hank Link to comment Share on other sites More sharing options...
Babr Posted July 9, 2021 #17 Share Posted July 9, 2021 The cancel for any reason provision could be a problem since you have to buy the policy within a certain window of making your deposit. While the reimbursement is in cash rather than a FCC like Princess, it is usually something like 75%, which means you are still leaving a fair amount of money on the table plus the cost of the policy itself. I think you’ll have to buy a comprehensive plan to get both CFAR and evacuation even if you don’t want the other coverage. Since you have just a few days to make a decision, I’d recommend talking to Steve or just pay off the Princess policy by the 20th. 1 Link to comment Share on other sites More sharing options...
nini Posted July 10, 2021 #18 Share Posted July 10, 2021 20 hours ago, Hlitner said: True and I think New York has a similar problem. The reason is quite interesting (for those of us who were in the business) and it is entirely the fault of your own State Government. It is not about Geoblue but about your State protecting its own plans and making it nearly impossible for an outside arm of Blue Cross/Blue Shield to do business in your State. You might want to send a letter of protest to your Washington State Insurance Commissioner....Mike Kreidler. Hank Exactly! What is odd, is that Blue Cross/ Blue Shield Medical Plans are available in WA State... odd Link to comment Share on other sites More sharing options...
Rare Hlitner Posted July 10, 2021 #19 Share Posted July 10, 2021 6 minutes ago, nini said: Exactly! What is odd, is that Blue Cross/ Blue Shield Medical Plans are available in WA State... odd I am speculating but think the problem is that GeoBlue (although part of the BC/BS network) is not part of your States BC/BS system. Some States are very protective of their own home based companies and make it very difficult for out-of-State companies to get licensed. The US is very unique (when compared to other countries) in that our insurance industry is regulated by each of the States. I recall seeing one study (decades ago) that put some kind of huge extra cost (passed on to consumers) incurred by insurance companies having to deal with licensure in 50 different States (each with their own rules and regulations). It is a big windfall for the legal industry (dealing with regulatory requirements in each State) and just one of many reason why our Medical Insurance costs are through the roof. Hank Link to comment Share on other sites More sharing options...
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