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Travel Forum / Travel Types / Cruises / July 2008Cruise Insurance Travel Agent vs. Cruise Co.
Out of 15 cruises I have only taken out cruise ins. once, but after my experience last week-end may buy the ins. every time. A man seated next to me on my flight was extremely attentive to an elderly lady. At first I thought this lady was his mother, but come to find out this man is a flight nurse (works for air ambulance worldwide) and the lady was his patient. She was on a Canival Cruise last week and when the automatic sliding doors closed her body was crushed and her hip was broken. Because she took out the ins. the ins. co. made arrangements for this ft. nurse to meet the ship, fly her first class home, and pay for all her medical expense. He also said it is always best to insure with the cruise line and not the t/a and he recommends the co. "on call" and "stat physician." Thought I would pass this info along! Happy Sailing! Carol Eskra > Out of 15 cruises I have only taken out cruise ins. once, but after my > experience last week-end may buy the ins. every time. [quoted text clipped - 12 lines] > Happy Sailing! > Carol Eskra Guess I don't understand why he suggests using Cruise Line insurance vs. t/a. Many travel agents and insurance companies sell insurance that has greater benefits to the traveler. Bobbye >Guess I don't understand why he suggests using Cruise Line insurance vs. >t/a. Hi Bobbye, That is a simple one. <:+) The guy works for the company the cruise line's insurance carrier uses. I guess he wants to stay employed. Best regards, Ray LIGHTHOUSE TRAVEL 800-719-9917 or 805-566-3905 http://www.lighthousetravel.com -- I told this flight nurse about the bad experience my family had with cruise ins. last yr. Sailed on a 3 generation two week cruise to Hawaii and my 3 yr. old grandson had to see the ships physician twice because of an ear infection. After arriving home my daughter-in-law called the ins. co. for a week, but they never answered the phone. She called the t/a we booked with but they said "there was nothing they could do." She finally gave up trying, and she is a busy executive with more important things to do! > I told this flight nurse about the bad experience my family had with > cruise ins. last yr. Sailed on a 3 generation two week cruise to Hawaii [quoted text clipped - 4 lines] > finally gave up trying, and she is a busy executive with more important > things to do! We have had to call our cruise insurance company several times and never had a problem getting thru to them. The two times we had a claim, it was handled very easily and we got back all our money from the canceled cruises. These were with private insurance companies, we have never used cruise line insurance. sue > I told this flight nurse about the bad experience my family had with > cruise ins. last yr. Sailed on a 3 generation two week cruise to Hawaii [quoted text clipped - 4 lines] > finally gave up trying, and she is a busy executive with more important > things to do! Is that an issue for cruise insurance or for her own medical insurance company? Was she seeking reimbursement for the ships physician charges? I thought cruise insurance was for interrupted travel, accidents or something, not for seeing the ships doctor for a minor illness? How much do cruise ships charge for those physician visits? I worked a night once with a cruise ship nurse and he certainly enjoyed his job and the pay was good. [Default] Thus spake Goomba <Goomba38@comcast.net>: >> I told this flight nurse about the bad experience my family had with >> cruise ins. last yr. Sailed on a 3 generation two week cruise to Hawaii [quoted text clipped - 13 lines] >I worked a night once with a cruise ship nurse and he certainly enjoyed >his job and the pay was good. The medical coverage from travel insurance is almost always secondary coverage. Which means you have to go to your primary carrier first. Now if you have Medicare, the travel coverage becomes default primary. CLEskra@webtv.net (Carol Eskra) wrote in news:17353-486E4DEB-933@storefull- 3111.bay.webtv.net: > I told this flight nurse about the bad experience my family had with > cruise ins. last yr. Sailed on a 3 generation two week cruise to Hawaii [quoted text clipped - 4 lines] > finally gave up trying, and she is a busy executive with more important > things to do! At the risk of sounding self serving, She needs a new TA. Nothing we can do is not what I would say for a client who had a legitimate claim. I find it hard if not impossible to believe that the insurance company "never answered the phone." We are talking about very large companies who are very competitive for customer service reputation. Something is missing from this story. At the very least the agent should have helped open a claim. Whether the claim would be paid is another issue, but a claim opening is a minimum effort for the TA.  SignatureJoseph Coulter, cruises and vacations www.josephcoulter.com yourvacation@comcast.net 877 832 2021 904 631 8863 cell I totally agree with you that in the future we will use a different t.a. Would you believe we have given this agency a great deal of business, so they were totally out of line to say "there is nothing we can do." My daughter-in-law really didn't follow up like she should have. She is a wife, mother and c.p.a. executive so she is very busy. She made the comment that "time is money." Guess she has more money than time! LOL >I totally agree with you that in the future we will use a different t.a. > Would you believe we have given this agency a great deal of business, so [quoted text clipped - 3 lines] > a wife, mother and c.p.a. executive so she is very busy. She made the > comment that "time is money." Guess she has more money than time! LOL She could have also tried submitting the charges to her company medical insurance. We did that a number of years ago when our daughter had to go to the doctor on Century, and my company medical insurance covered the charges. --Tom >> I totally agree with you that in the future we will use a different t.a. >> Would you believe we have given this agency a great deal of business, so [quoted text clipped - 7 lines] > insurance. We did that a number of years ago when our daughter had to go to > the doctor on Century, and my company medical insurance covered the charges. That depends on if her cruise insurance gave primary or secondary coverage. sue > That depends on if her cruise insurance gave primary or secondary coverage. That would more depend on whether her health insurance company covered outside the US or not. If they did, then they should pay regardless of cruise insurance. >> That depends on if her cruise insurance gave primary or secondary >> coverage. >> > That would more depend on whether her health insurance company > covered outside the US or not. If they did, then they should pay > regardless of cruise insurance. This is about the fifth time I have seen someone write about their insurance coverage not being valid outside the US. You need to change companies. Our insurance has always been valid on the ship and on the islands. We might have a little word about being outside the network and paying a little more but usually if you have a legitimate claim a reputable insurance company will honor it because they insure YOU and not where you are. We always take the Princess insurance because once you go platinum you get the deluxe package for the basic price which turns out to be a minimal charge for really good insurance. We take it more for the cancellation feature than the health insurance because of having an 88 YO mom who could force us to miss a cruise due to health issues. Also, if your coverage does not extend outside the lower 48 find out if you can get a rider for two weeks to cover yourselves outside the 48 states. Some companies will have them available. > This is about the fifth time I have seen someone write about their insurance > coverage not being valid outside the US. > You need to change companies. Many don't have that option. They are stuck with the health insurance coverage their employer provides. SignatureCharles > Many don't have that option. They are stuck with the health insurance > coverage their employer provides. Employers don't "provide" insurance, they offer a group plan. You pay for it, you just receive it as a benefit, instead of a check. Although I understood your meaning, it's just a place to "buy" it. It's not a gift. Also, Insurance can be purchased outside of an employers plan. Clay SignatureWarning: keyboard may cause involuntary vowel movement - Clay Ferriola Like Ebay? Try Bidnip. Be sure to put in my email as a referrer! I get free NIPS!! http://www.bidnip.com/a.php?id=44955 Snipe eBay Auctions with Bidnip >> Many don't have that option. They are stuck with the health insurance >> coverage their employer provides. [quoted text clipped - 3 lines] > Although I understood your meaning, it's just a place to "buy" it. It's > not a gift. Also, Insurance can be purchased outside of an employers plan. Yes you can buy insurance on your own, but then it will (in most cases) cost a heck of a lot more then if your use the group insurance your company offers. sue >> Many don't have that option. They are stuck with the health insurance >> coverage their employer provides. Or Medicare. Medicare does not cover anything outside the US. >Employers don't "provide" insurance, they offer a group plan. You pay >for it, you just receive it as a benefit, instead of a check. >Although I understood your meaning, it's just a place to "buy" it. It's >not a gift. Also, Insurance can be purchased outside of an employers plan. > >Clay That's why I don't have secondary insurance for Medicare from my former employer's insurance. I do have Medigap insurance, but what I have is not available except to a limited number of people. BUT --- buying insurance outside the group coverage umbrella of an employer is VERY expensive because the employer DOES pay part of the cost of the insurance. If you use COBRA for instance, it is double what it would cost through the employer. >>> Many don't have that option. They are stuck with the health insurance >>> coverage their employer provides. [quoted text clipped - 15 lines] > cost of the insurance. If you use COBRA for instance, it is double > what it would cost through the employer. You're still paying for it, you just don't realize it. Clay SignatureWarning: keyboard may cause involuntary vowel movement - Clay Ferriola Like Ebay? Try Bidnip. Be sure to put in my email as a referrer! I get free NIPS!! http://www.bidnip.com/a.php?id=44955 Snipe eBay Auctions with Bidnip > You're still paying for it, you just don't realize it. > > Clay This is very true. When working in an office, there were several gals who virtually lived at their Dr.'s office and visited chiropractors weekly for "adjustments." Their attitude was that if it was a covered thing, that it was OK. They didn't understand or care that running up the bill affected us all. The insurer takes an annual look at the overall premium paid in by the employer and employees as a whole, then adjusts premium accordingly. If a company has some kooks whose life is wrapped around chiropractors, adjustments, rolfing or "alternative medicine," then everybody pays for it. Nothing is free. SignatureNonny Nonnymus I'm not who you think I am. I'm not who I think I am. I am what I think you think I am. >> You're still paying for it, you just don't realize it. >> [quoted text clipped - 7 lines] >wrapped around chiropractors, adjustments, rolfing or "alternative >medicine," then everybody pays for it. Nothing is free. In my case I worked for the state government. A very big employer. My husband was military. An even bigger employer. So while it may be true that everybody pays, it is also true that those people that are conceived to be most able to pay will pay the least because they have the most clout. > When working in an office, there were several gals > who virtually lived at their Dr.'s office and visited chiropractors > weekly for "adjustments." Chiropractors. <projectile vomit> Ease pain, maybe. Provide long term results? Only by luck. Signaturehttp://www.bushflash.com/idiot.html [Default] Thus spake Chrissy Cruiser <chrissycruiser@gmail.com>: >> When working in an office, there were several gals >> who virtually lived at their Dr.'s office and visited chiropractors [quoted text clipped - 5 lines] > >Ease pain, maybe. Provide long term results? Only by luck. My back hurts, I go see one for a ride on the Spinalator and a quick crack or two. But cure fibromialgia??? (Yes, I've seen an ad claiming that). > BUT --- buying insurance outside the group coverage umbrella of an > employer is VERY expensive because the employer DOES pay part of the > cost of the insurance. If you use COBRA for instance, it is double > what it would cost through the employer. Technically you are paying both parts (plus 3%) instead of just yours. This can be a sorta eye opener if your company pays a hefty portion. However, it doesn't always double. > This is about the fifth time I have seen someone write about their insurance > coverage not being valid outside the US. > You need to change companies. > Our insurance has always been valid on the ship and on the islands. Does your insurance company provide medical evacuation coverage? Will they pay for expenses related to leaving the cruise and returning home? Warrne >> This is about the fifth time I have seen someone write about their insurance >> coverage not being valid outside the US. [quoted text clipped - 4 lines] > they pay for expenses related to leaving the cruise and returning > home? Jr. has said he buys cruise insurance from Princess, so that isn't an issue for him. sue > Jr. has said he buys cruise insurance from Princess, so that isn't an > issue for him. But that wasn't the point I was responding to. > You need to change companies. If you can. Medicare doesn't pay outside the US. Don't know of any of the supplementals that would since they pay based on Medicare restrictions. > Also, if your coverage does not extend outside the lower 48 find out if you > can get a rider for two weeks to cover yourselves outside the 48 states. > Some companies will have them available. They pretty much have to extend to all 50 states. >> You need to change companies. > > If you can. Medicare doesn't pay outside the US. Don't know of any of >the supplementals that would since they pay based on Medicare >restrictions. Our insurance isn't based on Medicare, and they did pay up to 80% when we had a problem in the Bahamas. Medicare paid zero until we got back to the states. >> Also, if your coverage does not extend outside the lower 48 find out if you >> can get a rider for two weeks to cover yourselves outside the 48 states. >> Some companies will have them available. > > They pretty much have to extend to all 50 states. > >> You need to change companies. > > [quoted text clipped - 5 lines] > we had a problem in the Bahamas. Medicare paid zero until we got back > to the states. I stand corrected... won't be the first time (today even) > >In article <SbmdnbBXqOczEfLVnZ2dnUVZ_gGdn...@comcast.com>, > [quoted text clipped - 15 lines] > > - Show quoted text - Medicare supplements, MediGap policies, are standardized by the Feds. The plans are given a letter, A - L, to identify what they cover. Only those plans from C to J will cover you outside the USA and the benefits are limited to: Life time maximum total benefit: $ 50,000 Yearly deductible: $ 250. Will pay eligible medical expenses for a foreign travel emergency: 80% of eligible expenses for up to 60 days per trip. Since coverage is limited it's always better to have some supplemental travel insurance especially one that will cover pre-existing medical conditions. In article <bece05b3-e584-4fbf-a9a8-c440b5c50640@b1g2000hsg.googlegroups.com>, > Since coverage is limited it's always better to have some supplemental > travel insurance especially one that will cover pre-existing medical > conditions. And also includes medical evacuation. I am not on medicare and my insurance will cover 80% of out of network costs even outside USA but it won't cover medical evacuation or trip cancellation. If insurance was only for medical expenses and trip cancellation I probably would not purchase it as over the long run I don't think those alone would be worth the cost for me. Medical evacuation though, if one ever had to pay for that, could be possibly be very costly. It does not matter if you are in good health or not, or think you are. Heart attacks and broken hips etc. can happen. A bus accident in a foreign country has happened to cruise passengers. Through no fault of your own or with no warning an accident can happen. So since the insurance I buy covers both medical evacuation and trip cancellation I think it is worth it. As far as insurance through the cruise line or independent of it I consider that on a cruise by cruise basis. After all coverages and prices change. I would not pick which insurance plan I purchase for a particular cruise on auto pilot. Always check the current coverages. SignatureCharles > it won't cover medical evacuation or trip cancellation. If insurance > was only for medical expenses and trip cancellation I probably would > not purchase it as over the long run I don't think those alone would > be worth the cost for me. FWIW, I figured it up once and if I have to cancel just once in 8 times, I am money ahead. HOWEVER, that was just figured canceling the whole thing. As those of you who followed the antics of a couple of weeks ago, I have refined that somewhat. The interuption part of the insurance paid us back almost $1500 for extra limo trip, a night in the hotel that we had paid for in advance and our Wicked tickets. I think with fewer flights and fewer seats to soak up any slack from mechanicals or weather, this feature may start becoming more and more important in the long run. Medical evacuation though, if one ever had to > pay for that, could be possibly be very costly. Just to get the local chopper to take you to the local hospital is over $8,000 on average. I have seen averages for repatriation to be 5 times that even from the Caribbean (let alone Europe and the Far East. It does not matter if > you are in good health or not, or think you are. Heart attacks and > broken hips etc. can happen. A bus accident in a foreign country has > happened to cruise passengers. Through no fault of your own or with no > warning an accident can happen. Broken legs, falls on pitching ships, etc. Anything that can happen at home can happen on the ship plus all the other stuff. The most important consideration in selecting travel insurance is that most cruise line policies do not cover previously existing conditions, whereas independent travel insurance usually does, provided that the policy is purchased within fourteen days following the payment of your initial deposit. >>> I totally agree with you that in the future we will use a different t.a. >>> Would you believe we have given this agency a great deal of business, so [quoted text clipped - 11 lines] > >sue On Jul 5, 8:34 am, "crui...@aol.com" <> wrote: > The most important consideration in selecting travel insurance is that > most cruise line policies do not cover previously existing conditions, [quoted text clipped - 17 lines] > > >sue Since my SO and I are in our relatively advanced senior years we have had a number of medical issues so we wanted cruise insurance that covered preexisting conditions. We didn't want to buy until the time of final payment because we might change our plans between the time of booking and final payment and, if we had bought the insurance at the time of booking, we'd be out the money that we paid for the insurance. I researched insuremytrip and found one company, HTH Worldwide, which has a policy which covers preexisting conditions if the insurance is purchased within 10 days of final payment. > Since my SO and I are in our relatively advanced senior years we have > had a number of medical issues so we wanted cruise insurance that [quoted text clipped - 5 lines] > Worldwide, which has a policy which covers preexisting conditions if > the insurance is purchased within 10 days of final payment. There are a couple of companies you can buy insurance from just around the time of final payment and have pre-existing coverage. Doing it this way is usually very expensive. We started using Travelex Insurance and buy it within the week or so period to get pre-existing coverage. It is reasonably priced and if we change our plans we can use the same policy again and it will still have pre-existing coverage. We alway bought with pre-existing coverage, but recently there are health issues that make this much more important to us. Kevin called Travelex to confirm this information. You might want to look at them on insuremytrip.com and call them yourself to confirm what we found out. sue > I totally agree with you that in the future we will use a different t.a. > Would you believe we have given this agency a great deal of business, so [quoted text clipped - 3 lines] > a wife, mother and c.p.a. executive so she is very busy. She made the > comment that "time is money." Guess she has more money than time! LOL It's to bad. Your daughter has a right to file a claim. All she needed was to receive claim forms from the travel insurance company and her travel agent could have assisted her with that. Once you've offically filed a claim than the insurance company has to respond and either approve or reject it. There is a good article about getting a claim processed: http://www.quotewright.com/weblog/when-claims-go-bad/ > Out of 15 cruises I have only taken out cruise ins. once, but after my > experience last week-end may buy the ins. every time. [quoted text clipped - 5 lines] > when the automatic sliding doors closed her body was crushed and her hip > was broken. What kind of door was that? Could it have been a watertight door, and not just the typical ones on the Lido deck? Because she took out the ins. the ins. co. made arrangements > for this ft. nurse to meet the ship, fly her first class home, and pay > for all her medical expense. He also said it is always best to insure [quoted text clipped - 3 lines] > Happy Sailing! > Carol Eskra When we book a cruise through George, he sends us a brochure, if we want it, but there's never any pressure. He's always recommended the independent insurance, with better coverage. Personally, I almost always follow George's recommendations. SignatureNonny Nonnymus I'm not who you think I am. I'm not who I think I am. I am what I think you think I am. [Default] Thus spake Nonnymus <nobody@cox.net>: >> Out of 15 cruises I have only taken out cruise ins. once, but after my >> experience last week-end may buy the ins. every time. [quoted text clipped - 8 lines] >What kind of door was that? Could it have been a watertight door, and >not just the typical ones on the Lido deck? I've taken quite a few hip x-rays already in my budding career. Most of them of women (although some men). Most of the trauma incidents were due to falls, and all the women were over 70. But a fall is still a pretty serious insult to the body. The sliding doors on the Lido deck, like all the sliding doors I've seen anywhere, have pressure switches that will cause a back up if more than a few pounds of resistance are encountered. You can basically slap one and the door will reverse. > Because she took out the ins. the ins. co. made arrangements >> for this ft. nurse to meet the ship, fly her first class home, and pay >> for all her medical expense. He also said it is always best to insure >> with the cruise line and not the t/a and he recommends the co. "on call" >> and "stat physician." Thought I would pass this info along! Hmm. Two things here. First of all is the terminology. "Stat" means "right now, if not sooner". In the hospital, we frequently hear arguments about who's stat is stater. :-) "On call" is just the doc who gets to get woken up at 2 am. Second. If the PT actually was injured due to some sort of mechanical failure, the cruise line's response would be a fire drill routine. Get her treated quickly and by highly trained and expensive doctors. Then offer something as "compensation". I doubt this was insurance. Oh yeah, third. I guess this nurse never heard of HIPAA. >> Happy Sailing! >> Carol Eskra [quoted text clipped - 3 lines] >independent insurance, with better coverage. Personally, I almost >always follow George's recommendations. Very few cruise line policies cover pre-existing conditions. And none cover you for any expenses not incurred directly with the line, like air. >[Default] Thus spake Nonnymus <nobody@cox.net>: > [quoted text clipped - 37 lines] > >Oh yeah, third. I guess this nurse never heard of HIPAA. Depending on how he was hired and reimbursed, HIPAA rules might not apply. [Default] Thus spake Jack Hamilton <jfh@acm.org>: <snip> >>Oh yeah, third. I guess this nurse never heard of HIPAA. > >Depending on how he was hired and reimbursed, HIPAA rules might not >apply. How so? Insurance pays him to care for the PT. She's his PT, HIPAA applies. She pays him, HIPAA applies. As a student, I don't get paid by anyone, HIPAA applies. >[Default] Thus spake Jack Hamilton <jfh@acm.org>: > [quoted text clipped - 8 lines] >applies. She pays him, HIPAA applies. As a student, I don't get paid >by anyone, HIPAA applies. HIPAA might not apply if the patient or the cruise line paid out of pocket or the nurse doesn't work through a service. HIPAA applies to covered entities. Not all providers of all kinds of health services are covered entities. >> [Default] Thus spake Jack Hamilton <jfh@acm.org>: >> [quoted text clipped - 12 lines] > HIPAA applies to covered entities. Not all providers of all kinds of > health services are covered entities. Did any recorded information change hands? If not HIPPA doesn't apply anyway. Clay SignatureWarning: keyboard may cause involuntary vowel movement - Clay Ferriola Like Ebay? Try Bidnip. Be sure to put in my email as a referrer! I get free NIPS!! http://www.bidnip.com/a.php?id=44955 Snipe eBay Auctions with Bidnip >> HIPAA might not apply if the patient or the cruise line paid out of >> pocket or the nurse doesn't work through a service. [quoted text clipped - 5 lines] > > Clay HIPAA doesn't have to be recorded or written exchange of identifying information. It can also be verbal. But of course, with the patient sitting right there next to the health care provider....there may have been permission to speak about her condition? Also, the heath care provider isn't banned from speaking about his employment, just not anything about the patient sitting next to him. >>> HIPAA might not apply if the patient or the cruise line paid out of >>> pocket or the nurse doesn't work through a service. [quoted text clipped - 13 lines] > about his employment, just not anything about the patient sitting next > to him. Only protected information is covered though. Based on the OP no information covered in the discussion was protected. Clay > Only protected information is covered though. Based on the OP no > information covered in the discussion was protected. > > Clay If diagnosis isn't protected, I don't know what is. Statutory law (HIPAA and other federal and state statutes), common law and medical profession ethics prohibit a practitioner from revealing any information about the health of a patient to any person...even a family member...without the patient's express permission. We have to assume that because the patient was sitting right there, she consented to the nurse telling all to the OP; otherwise, he violated legal and ethical rules. Diana Ball Austin, TX > I've taken quite a few hip x-rays already in my budding career. Most > of them of women (although some men). Most of the trauma incidents > were due to falls, and all the women were over 70. But a fall is > still a pretty serious insult to the body. Serious enough that the results of it can be life threatening. There is a definitive relation between hip/femur fractures and the quickening of death in women over 7x. Signaturehttp://www.bushflash.com/idiot.html >> I've taken quite a few hip x-rays already in my budding career. Most >> of them of women (although some men). Most of the trauma incidents [quoted text clipped - 4 lines] > a definitive relation between hip/femur fractures and the quickening of > death in women over 7x. Of elderly women who fall and break a hip, 50% die within a year of the break. >>> I've taken quite a few hip x-rays already in my budding career. Most >>> of them of women (although some men). Most of the trauma incidents [quoted text clipped - 7 lines] > Of elderly women who fall and break a hip, 50% die within a year of the > break. Which leads to the second part, why? I have asked, never gotten anything but opinion. Signaturehttp://www.bushflash.com/idiot.html >> Of elderly women who fall and break a hip, 50% die within a year of the >> break. > > Which leads to the second part, why? I have asked, never gotten anything > but opinion. Probably the injury stressing all the other body systems and exacerbating problems which may have already been present or perhaps impending anyway....? >>> Of elderly women who fall and break a hip, 50% die within a year of the >>> break. [quoted text clipped - 5 lines] > exacerbating problems which may have already been present or perhaps > impending anyway....? That's the tagline, yeah. Signaturehttp://www.bushflash.com/idiot.html [Default] Thus spake Chrissy Cruiser <chrissycruiser@gmail.com>: >>>> I've taken quite a few hip x-rays already in my budding career. Most >>>> of them of women (although some men). Most of the trauma incidents [quoted text clipped - 10 lines] >Which leads to the second part, why? I have asked, never gotten anything >but opinion. A hip fracture in an older person (I'm 52 and have suddenly changed my opinion on what "older" means since I started getting crap from AARP) can lay them up for quite a while, possibly months, although modern rehab theory is changing that. Laying in bed for six weeks can result in various circulatory difficulties. In addition, they are quite painful from what I've seen. Extreme pain can lead to depression, which appears to lower the immune response system and also the "will to live". > A hip fracture in an older person (I'm 52 and have suddenly changed my > opinion on what "older" means since I started getting crap from AARP) [quoted text clipped - 5 lines] > can lead to depression, which appears to lower the immune response > system and also the "will to live". Remember when being 50 meant you were old? lol Dillon I just wanted to say that I appreciate your comments here and in rec.scuba. I still read that newsgroup but I stopped posting messages there a few years ago. After all, I do not own a gun or anything. lol Becca [Default] Thus spake Becca <beccaNospam@hal-pc.organ>: >> A hip fracture in an older person (I'm 52 and have suddenly changed my >> opinion on what "older" means since I started getting crap from AARP) [quoted text clipped - 11 lines] >rec.scuba. I still read that newsgroup but I stopped posting messages >there a few years ago. After all, I do not own a gun or anything. lol Have you fed anyone to a gator recently? >Becca >>>> Serious enough that the results of it can be life threatening. There is >>>> a definitive relation between hip/femur fractures and the quickening of [quoted text clipped - 15 lines] > can lead to depression, which appears to lower the immune response > system and also the "will to live". MIL went through it but she dug Dilaudid so she wasn't depressed. But then she was Alzheimer's sooo..... Signaturehttp://www.bushflash.com/idiot.html On Jul 12, 11:12 pm, Dillon Pyron <invaliddmpy...@austin.rr.com> wrote: > [Default] Thus spake Nonnymus <nob...@cox.net>: > [quoted text clipped - 49 lines] > cover you for any expenses not incurred directly with the line, like > air. On Call (On Call International) is the name of a travelers assistance company that is located in New Hampshire. They provide the 24/7 emergency assistance services. That service is found in all travel insurance plans and On Call is one of several companies that specialize in that type of service. One of the provisions in travel insurance policies is that if a traveler needs an "emergency medical evacuation" than the 24/7 assistance company acts as the gate keeper and all arrangements are made by them. Carol, There has been a lot of information generated by your original question, some of it little more than personal opinions and at bit off target, but most offering some valuable advice. As the owner of a cruise agency and an agent myself, we always suggest to our client that they should definitely get some type of travel insurance. Those that opt not too, are in our opinion, simply trying to be penny wise, but may easily end up pound foolish in the long run. It is always better to be safe rather than sorry, and the cost to do so is not out of line considering the piece of mind one will have. Remember, like car insurance, you can't go out shopping for insurance the day after you have an accident and/or incident. However, your original question actually was... should one get the cruise line insurance or private cruise travel insurance? We personally can't give a blanket or generic answer to that. It all depends on the clients, their needs, the cruise line, the itinerary, etc. Many times, what the cruise line offers is fine. Other times, if more and/or additional or other coverage is needed, we start by having our clients look at Travel Guard insurance. We are well aware that there are other private travel insurance companies out there as well, but as agents, it is also our job to provide recombinations based on our experience, the clients needs, and their budget of course. Our goal in to make it easy on them, not simply point them to a bunch of confusing comparisons. Likewise, in most cases, price is not their governing factor anyway, but getting valve for the dollar, and the right coverage, is. Happy sailing... John Sisker - SHIP-TO-SHORE CRUISE AGENCY (sm) (714) 536-3850 or toll-free at (800) 724-6644 & (Agency ID: 714.536.3850) www.shiptoshorecruise.com Normally, your auto insurance company will offer trip insurance that will cover your trip for damages to luggage or contents as well as lost baggage. You health provider probably has a short-term rider that can be added to your health insurance for a nominal fee. In other words you can get a health rider from your insurer for a two week or 30 day period that will cover you no matter where you are. My wife works for the insurance compay that we have our health insurance with and they cover her and me no matter where in the world we are so we don't need any additional coverage. We always take the Princess insurance for the trip part of it because it is cheaper than the trip insurance we can get from our auto insurance provider. Plus the fact we have the bonue of getting deluxe coverage for the basic price. > Normally, your auto insurance company will offer trip insurance that will > cover your trip for damages to luggage or contents as well as lost baggage. [quoted text clipped - 13 lines] > Plus the fact we have the bonue of getting deluxe coverage for the basic > price. Unfortunately, this is not valid information in the USA. First auto policies will not protect your personal effects while you are on a cruise. Most auto policies will cover rental cars if they are rented in the USA however, they will only cover you to the same extent that your own car would be covered in the event of damage to the car and than only if it's rented in the USA. If any of your own insurance will cover personal effects it's your home owners insurance and then it will cover it only to the same extent if the loss occured at home. In other words if you have a limited peril home owners policy with a $500 deductible than you will only be covered for those limited perils after the first $500 of loss. Secondly I've never heard of a health insurance company that will add an additional premium rider to your policy to cover you outside your service area and the administrative cost for them to do so would be prohibitive. On Jul 6, 10:11 pm, "Jr." <myo...@hi.com> wrote: > Normally, your auto insurance company will offer trip insurance that will > cover your trip for damages to luggage or contents as well as lost [quoted text clipped - 16 lines] > Plus the fact we have the bonue of getting deluxe coverage for the basic > price. Unfortunately, this is not valid information in the USA. First auto policies will not protect your personal effects while you are on a cruise. Most auto policies will cover rental cars if they are rented in the USA however, they will only cover you to the same extent that your own car would be covered in the event of damage to the car and than only if it's rented in the USA. If any of your own insurance will cover personal effects it's your home owners insurance and then it will cover it only to the same extent if the loss occured at home. In other words if you have a limited peril home owners policy with a $500 deductible than you will only be covered for those limited perils after the first $500 of loss. Secondly I've never heard of a health insurance company that will add an additional premium rider to your policy to cover you outside your service area and the administrative cost for them to do so would be prohibitive. First of all, I did not say your auto policy covered it. I said that your auto insurance agent sold trip insurance. Second of all, I talked to my wife about health insurance policies not covering a person outside of the USA and she has been in the business for over 30 years and she has never heard of such a thing. The policy covers you wherever you are as long as you are not doing something the policy specifically states is not covered such as skydiving or parasailing. [Default] Thus spake "Jr." <myohmy@hi.com>: >On Jul 6, 10:11 pm, "Jr." <myo...@hi.com> wrote: >> Normally, your auto insurance company will offer trip insurance that will [quoted text clipped - 41 lines] >wherever you are as long as you are not doing something the policy >specifically states is not covered such as skydiving or parasailing. I've heard of plenty of policies that offer only limited regional coverage. One I can immediately think of is the policy afforded UAW members by GM, which until a few years ago only covered them in the US and Canada. And my health coverage covers me for any activity, including skydiving, parasailing or scuba diving. Or even the incredibly risky bike riding down Hale'akala. By life policy covers scuba, as long as I'm not teaching and not diving below 110 ft. > On Jul 6, 10:11 pm, "Jr." <myo...@hi.com> wrote: > [quoted text clipped - 44 lines] > > - Show quoted text - Your wife is right about traditional insurance however, hmo's and ppo's will restrict coverage because you are going outside your service area. However, I've never heard of any health insurance company offering to extend coverage coverage as was suggested earlier. Also most auto insurance agents don't sell trip insurance and most auto insurance companies don't underwrite it. |
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