Maybe you know the answer…

[MsSoCalCruiser]

My friend is booked on a Royal Caribbean cruise.  My friend and spouse purchased the travel insurance.  My friend hurt her leg today and may need to cancel. How does that work? Would friends traveling with them but in different staterooms be covered if everyone purchased the insurance?  Would it be possible for everyone to get a cruise credit to book at a later date?  
 

Bummer.  

Edited August 9, 2022 by MsSoCalCruiser

[ARandomTraveler]

Depends on which policy they bought. I buy private travel insurance (not through the cruiseline) and there's almost always a clause in the policies I buy that gives your money back if someone in your travel party gets sick or injured and can't go. You have to be able to show they were part of your reservation though, through paperwork that that shows you were traveling together and links your reservations somehow. 
 

I also always add the cancel-for-any-reason rider, which gives you 75% of your money back if you cancel for any reason at all. That way if you can't come up with a reason that is covered by the insurance which gives 100% of your money back, you can at least get most of it back. 
 

If their policy doesn't have either of these things or their reservations aren't linked, then I doubt they'd get their money back just because their friends canceled. 
 

I think the cruiseline insurance has a cancel for any reason clause that gives  you a future cruise credit if you cancel. Not cash though. 

Edited August 9, 2022 by ARandomTraveler

[MsSoCalCruiser]

15 minutes ago, ARandomTraveler said:

Depends on which policy they bought. I buy private travel insurance (not through the cruiseline) and there's almost always a clause in the policies I buy that gives your money back if someone in your travel party gets sick or injured and can't go. You have to be able to show they were part of your reservation though, through paperwork that that shows you were traveling together and links your reservations somehow. 
 

I also always add the cancel-for-any-reason rider, which gives you 75% of your money back if you cancel for any reason at all. That way if you can't come up with a reason that is covered by the insurance which gives 100% of your money back, you can at least get most of it back. 
 

If their policy doesn't have either of these things or their reservations aren't linked, then I doubt they'd get their money back just because their friends canceled. 
 

I think the cruiseline insurance has a cancel for any reason clause that gives  you a future cruise credit if you cancel. Not cash though. 

Everyone purchased it through the cruise line. We have our reservations all linked together and we have connecting rooms but that probably does not matter. It’s never good to hurt yourself but such a bummer to do it right before cruise season.

[ARandomTraveler]

9 minutes ago, MsSoCalCruiser said:

Everyone purchased it through the cruise line. We have our reservations all linked together and we have connecting rooms but that probably does not matter. It’s never good to hurt yourself but such a bummer to do it right before cruise season.

I've never bought the cruise line's insurance but from what I've read, there's a cancel for any reason clause in it that allows you to cancel for no reason at all, and you get 90% of your money back in the form of a future cruise credit. 
 

Given your reservations are linked, if there does happen to be a clause in the policy that lets you cancel in the event that someone in your party is injured and can't travel, then you could probably make a claim. The question would be: does the cruiseline consider the injury to be one that makes it so a person can't travel. If not, use the cancel for any reason clause. You'll have to do some reading of the policy. 
 

Personally - I'd still go without them 😂
 

 

Edited August 9, 2022 by ARandomTraveler

[MsSoCalCruiser]

8 minutes ago, ARandomTraveler said:

I've never bought the cruise line's insurance but from what I've read, there's a cancel for any reason clause in it that allows you to cancel for no reason at all, and you get 90% of your money back in the form of a future cruise credit. 
 

Given your reservations are linked, if there does happen to be a clause in the policy that lets you cancel in the event that someone in your party is injured and can't travel, then you could probably make a claim. The question would be: does the cruiseline consider the injury to be one that makes it so a person can't travel. If not, use the cancel for any reason clause. You'll have to do some reading of the policy. 
 

Personally - I'd still go without them 😂
 

 

I would be solo.  Not sure yet but this may involve crutches. I hope not.  Thank you so much for your replies.

[brillohead]

3 hours ago, MsSoCalCruiser said:

I would be solo.  Not sure yet but this may involve crutches. I hope not.  Thank you so much for your replies.

 
Rent a scooter instead of using crutches for most of the walking.  Makes the vacation much more enjoyable.

[DCPIV]

What you really need to do is look at your policy and also call either a claims number or information number on your policy and see what the deal is.  As helpful as anyone here would like to be, we're all just speculating.

[MsSoCalCruiser]

1 hour ago, DCPIV said:

What you really need to do is look at your policy and also call either a claims number or information number on your policy and see what the deal is.  As helpful as anyone here would like to be, we're all just speculating.

Thank you. Yes, my friend is doing all of that after she sees the doctor but I was wondering if anyone here had gone through this.  I’ve been on a lot of cruises and never have had anything happen prior to the cruise.

[Xtentions]

I don't know if it helps but back in 2018 6 weeks before our cruise my adult son was in a car accident and broke his femur.  He had a titanium rod placed inside his femur to repair it and was using a cane for the cruise.  He was still quite mobility challenged but did ok.  We considered canceling but did not.  We did modify most of our shore excursions to be easier on him.  On board the ship the excursion desk people went the extra mile in helping us with the excursion changes we needed to make.  We did get clearance from his orthopedic surgeon for the trip.

 

You can also rent a scooter if the injured person wants.  We did not.

 

We had cancel for any reason insurance from a third party that we did not utilize.

 

Edited August 10, 2022 by Xtentions

[MsSoCalCruiser]

30 minutes ago, Xtentions said:

I don't know if it helps but back in 2018 6 weeks before our cruise my adult son was in a car accident and broke his femur.  He had a titanium rod placed inside his femur to repair it and was using a cane for the cruise.  He was still quite mobility challenged but did ok.  We considered canceling but did not.  We did modify most of our shore excursions to be easier on him.  On board the ship the excursion desk people went the extra mile in helping us with the excursion changes we needed to make.  We did get clearance from his orthopedic surgeon for the trip.

 

You can also rent a scooter if the injured person wants.  We did not.

 

We had cancel for any reason insurance from a third party that we did not utilize.

 

Thank you. What a terrible thing to go through. Did you have any Tender ports?  I’m wondering how that would work.

[Xtentions]

1 minute ago, MsSoCalCruiser said:

Thank you. What a terrible thing to go through. Did you have any Tender ports?  I’m wondering how that would work.

We did in Grand Cayman and it was not a real issue.  Since he was on a cane the crew had him use the accessible seating on the tender and were all very helpful.

[MsSoCalCruiser]

Just now, Xtentions said:

We did in Grand Cayman and it was not a real issue.  Since he was on a cane the crew had him use the accessible seating on the tender and were all very helpful.

My friend is really worried about stepping into the tender. What is the accessible seating? Wondering how to step down into the tender if your knee will not bend?

[Xtentions]

8 minutes ago, MsSoCalCruiser said:

My friend is really worried about stepping into the tender. What is the accessible seating? Wondering how to step down into the tender if your knee will not bend?

The accessible seating was just an area of seats reserved for those with mobility issues nothing special about them just closer to where you enter/exit the tender. 

 

As for stepping down or up for that matter you step down with the bad leg first as this means you do not have to bend the knee and up with the good leg first for the same reason.  So going down if it's bad leg down then good to same level then bad then good.  You never have to bend the bad knee that way.

 

It's a bit counter intuitive but it works.  This is also why if you are on a cane you use it on the good side not the bad.

 

The rod in our son's leg was placed by going through the knee cap so his knee was also compromised.

Edited August 10, 2022 by Xtentions

[brillohead]

1 hour ago, MsSoCalCruiser said:

My friend is really worried about stepping into the tender. What is the accessible seating? Wondering how to step down into the tender if your knee will not bend?

If you're tendering in Grand Cayman, there is no stepping up or down -- their system is all ramps.  I was there this spring and people were able to ride scooters and wheelchairs on/off the tenders.

 

 

[MsSoCalCruiser]

1 hour ago, Xtentions said:

The accessible seating was just an area of seats reserved for those with mobility issues nothing special about them just closer to where you enter/exit the tender. 

 

As for stepping down or up for that matter you step down with the bad leg first as this means you do not have to bend the knee and up with the good leg first for the same reason.  So going down if it's bad leg down then good to same level then bad then good.  You never have to bend the bad knee that way.

 

It's a bit counter intuitive but it works.  This is also why if you are on a cane you use it on the good side not the bad.

 

The rod in our son's leg was placed by going through the knee cap so his knee was also compromised.

Thank you again for your helpful replies.

[MsSoCalCruiser]

44 minutes ago, brillohead said:

If you're tendering in Grand Cayman, there is no stepping up or down -- their system is all ramps.  I was there this spring and people were able to ride scooters and wheelchairs on/off the tenders.

 

 

Thank you but the cruise is on the Navigator of the Seas on the West Coast.

[Husky1987]

2 hours ago, Xtentions said:

As for stepping down or up for that matter you step down with the bad leg first as this means you do not have to bend the knee and up with the good leg first for the same reason.  So going down if it's bad leg down then good to same level then bad then good.  You never have to bend the bad knee that way.

 

It's a bit counter intuitive but it works.  This is also why if you are on a cane you use it on the good side not the bad.

Yep.  When I first was going to physical therapy for my nerve-damaged leg, the doctor told me to always remember for stairs...."Up with the good, down with the bad."

[MsSoCalCruiser]

1 hour ago, Husky1987 said:

Yep.  When I first was going to physical therapy for my nerve-damaged leg, the doctor told me to always remember for stairs...."Up with the good, down with the bad."

Thank you.

[gluecksbaer]

2 hours ago, Husky1987 said:

Yep.  When I first was going to physical therapy for my nerve-damaged leg, the doctor told me to always remember for stairs...."Up with the good, down with the bad."

 

I was taught that first and it went horribly.  I was in severe pain and unable to walk at all for days.  Then I was seeing another disability specialist for different reasons but my difficulty with stairs came up and she said to remember "Good foot goes first" for both up and down.  I still have some difficulty with stairs but using that I am able to manage a short set of stairs regularly and a full flight sometimes.

I think not being to bend the knee changes things but my suggestion would be to try some stairs before leaving home and see what works best.