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Travel Forum / Travel Types / Cruises / September 2008late Insurance question
I just realized that I did not purchase trip insurance. I for got to check my statement for the insurance when it came in. Question is this: 3 months after I purchased the trip, and leaving in December, What insurance should I buy now, if any? Clay > I just realized that I did not purchase trip insurance. I for got to > check my statement for the insurance when it came in. [quoted text clipped - 3 lines] > > Clay Check www.insuremytrip.com. Although most plans have to be purchased at or within a few days of your booking, there are polices that you can purchase later (if I recall correctly). Mark >> I just realized that I did not purchase trip insurance. I for got to >> check my statement for the insurance when it came in. [quoted text clipped - 9 lines] > > Mark I am familiar with this site, but it's really hard to figure out. Plus my unfortunate flaw of analyzing things to death prevents me from researching this in a timely manner. As I said I have to leave in December. I need a little advice. Clay >I am familiar with this site, but it's really hard to figure out. Plus >my unfortunate flaw of analyzing things to death prevents me from >researching this in a timely manner. As I said I have to leave in December. > >I need a little advice. Hi Clay, May I suggest you contact your travel agent for guidance. He probably deals with folks purchasing cruise/travel insurance every day. Best regards, Ray LIGHTHOUSE TRAVEL 800-719-9917 or 805-566-3905 http://www.lighthousetravel.com -- >> I am familiar with this site, but it's really hard to figure out. Plus >> my unfortunate flaw of analyzing things to death prevents me from [quoted text clipped - 13 lines] > http://www.lighthousetravel.com > -- Thanks Ray, I was looking for suggestions from knowledgeable people here so I can contact my agent(she) with my request. Clay >>> I just realized that I did not purchase trip insurance. I for got to >>> check my statement for the insurance when it came in. [quoted text clipped - 14 lines] > > I need a little advice. Some analysis and thoughts... as opposed to advice.... first... look at how much you're spending. If it's a cheap cruise (less than $2000)... you can more easily skip the insurance. If it's not expensive... then you don't have much of value to worry about insuring. You basically self insure the price of the cruise. If say, the insurance was 10% of the cruise price... after 10 cruises you can afford to lose the cost of one sailing with what you saved on insurance. If you haven't spent much money on the cruise... then that brings us to the other reason you might take insurance... for things like doctor's services, medical evac, etc. If you want some insurance, and pre existing isn't a key issue... just ask the ta for any insurance, even the one through the cruise line. --Tom >>>> I just realized that I did not purchase trip insurance. I for got to >>>> check my statement for the insurance when it came in. [quoted text clipped - 29 lines] > > --Tom Thanks Tom. Good thoughts. How was that not advice? Clay [Default] Thus spake frijoli <C@dud.net>: >>>>> I just realized that I did not purchase trip insurance. I for got to >>>>> check my statement for the insurance when it came in. [quoted text clipped - 35 lines] > >Clay How old are you? As in are you MediDon'tCare? If so, you'll need med coverage. And it's too late for pre-existing conditions. The only question would be evacuation coverage, unless your current health insurance providers don't cover out of US (which would be out of network for most). >> Thanks Tom. Good thoughts. >> [quoted text clipped - 7 lines] > insurance providers don't cover out of US (which would be out of > network for most). 20 plus away from that. Clay >If you haven't spent much money on the cruise... then that brings us to the >other reason you might take insurance... for things like doctor's services, [quoted text clipped - 3 lines] > >--Tom I have a friend who was on a trip in Vietnam and got sick. He was very glad he had medical evacuation coverage. Another thought is that American Express has a plan that covers medical evacuation and has some medical and some other benefits. There is a monthly charge but might be something to look at if someone travels a lot. >> Mark >I am familiar with this site, but it's really hard to figure out. Plus [quoted text clipped - 4 lines] > >Clay I used them last year. I looked at the site and couldn'r decide so I called them. I got a very helpful woman who guided me through it fairly quickly. We were able to get a policy that could be purchased before the final payment was made rather than going by the deposit date. We just made it. >>> Mark >> I am familiar with this site, but it's really hard to figure out. Plus [quoted text clipped - 12 lines] > payment was made rather than going by the deposit date. We just made > it. Too easy! I never even thought about calling them. Haaaa! Clay > I just realized that I did not purchase trip insurance. I for got to > check my statement for the insurance when it came in. > > Question is this: 3 months after I purchased the trip, and leaving in > December, What insurance should I buy now, if any? I guess my first question is do you need insurance with pre-existing coverage? Take a look at insuremytrip.com to compare insurance policies and then if you want you can purchase on their website. If you don't need pre-exisitng, you can pick whichever one is best for you and purchase it now. If you do need pre-existing insurance you will find a couple of options that can be purchased up untill final payment, but they will be a lot more expensive. sue >> I just realized that I did not purchase trip insurance. I for got to >> check my statement for the insurance when it came in. [quoted text clipped - 14 lines] > > sue My wife has high blood pressure. Other than that I can't think of anything. Clay >>> I just realized that I did not purchase trip insurance. I for got to >>> check my statement for the insurance when it came in. [quoted text clipped - 19 lines] > > Clay Reasons for purchasing insurance are varied and often very personal. Top concerns I've seen for those considering insurance have been-- --refund in case of need to cancel in case of sickness --refund in case of need to cancel in case of change at work --refund in case of need to cancel for any reason (change of mind) --medical coverage --evacuation off of the ship --repatriation back home Specific terms of a policy such as what conditions are covered, the amount of coverage, price and exclusions are varied. In some cases existing health insurance plans may cover certain medical expenses. In others, there are exclusions from covering foreign certified doctors or other medical professionals. Some consider their capacity for absorbing a loss. Others find insurance gives them peace of mind before or during vacation. There is buying insurance and then there is collecting on a claim. If a cruise line is "self insured" for cancellation protection, or your policy excluded bankruptcy of the travel supplier, you may have trouble collecting on a claim. Some policies have an added benefit of waiving pre-existing conditions if paid at the same time as the cruise is deposited. If it is before the final payment date, some cruise lines allow for cancellation without penalty. It may be possible to cancel a reservation and rebook with insurance. Your travel agent should be able to address your concerns and find a policy that addresses your needs. For specific scenarios contact the insurance underwriter. Mike  SignatureMichael Akana, MCC, LCS www.mythictravel.com -- Posted Via Newsfeeds.com Premium Usenet Newsgroup Service ---------------------------------------------------------- http://www.Newsfeeds.com > --refund in case of need to cancel in case of change at work > --refund in case of need to cancel for any reason (change of mind) Most insurance policies do not cover you for these reasons!! > Some policies have an added benefit of waiving pre-existing > conditions if paid at the same time as the cruise is deposited. Usually you have anywhere from 5 days to 2 weeks to purchase insurance with pre-existing coverage. I have not seen any that must be purchased exactly at the time of deposit. > If it is before the final payment date, some cruise lines allow > for cancellation without penalty. It may be possible to cancel > a reservation and rebook with insurance. If you cancel a cruise before final payment there is no penalty and you will get your deposit back from the cruise line. In this situation there is nothing to collect from insurance. If this does happen most insurance policies can be used for a future cruise if you use it within a year. Only thing that a lot of TAs and people don't know, is that doing this with some insurance policies you will lose your pre-existing coverage. sue Another risk to consider might be: Pre-ex conditions of NON-traveling family members - For healthy adults who don't think they need to purchase a waiver of the usual pre- existing condition exclusion, think again if your parents are living and/or you have another family member with a chronic condition. If you cancel because of an unexpected death or other emergent illness involving a loved one and the insurance company determines the cause of death/illness related to a pre-existing condition <it's risky to rely on successfully arguing death/illness was not due to a pre- existing condition as defined by the insurer, IMO>, you are out of luck unless you purchase the waiver of the pre-ex condition exclusion. To clarify, it is common for insurers to offer the waiver (1) if you purchase with 7-14 days of your first trip payment/deposit, or (2) if you purchase within 24 hours of final trip payment. I think one of our helpful TAs or someone else recently posted about another twist on this model that might be of help to travelers who desire to secure that waiver, so it is wise to research all products available at the time you are purchasing. Here's another vote for insuremytrip.com - I find it to be very user-friendly and informative. We frequently book at the last minute, thus have to pay in full and would be subject to 100% loss in the event of cancellation. Because we always purchase a minimum of 2 cabins + 4 airfares + 2 pre-cruise hotel rooms, thus our trip investment is sufficient to warrant consideration of insurance, and because we have elder parents with the usual assortment of age-related health concerns, thus our risk of loss is sufficient to justify purchase of insurance, I am always careful to buy insurance within 24 hours of booking the cruise in order to secure the waiver of the pre-existing condition exclusion. CSA paid a nearly $9K claim on that kind of policy when my family member unexpectedly died from cancer (he had cancer when we booked, but was stable and not expected to die so fast). The claims process was handled incredibly efficiently--I sent in the requisite proof, they sent me a check. Diana Ball Austin, TX > Another risk to consider might be: > [quoted text clipped - 36 lines] > Diana Ball > Austin, TX Here is what I did. I took the suggestion of actually calling insuremytrip. I got a person on the phone right away! They asked very good questions and listened to my responses. We found a policy that only looks back 60 days on pre-existing conditions. One thing I didn't realize was that pre-existing conditions are okay and covered, provided there has been no change in that condition during the look back period. Meaning that they look back a period of time to see when or if conditions changed in that pre-existing condition too make sure that isn't why you bought the policy. For instnce, my bride has high blood pressure for 20 years. She IS covered if something happens, because there have been no recent(60 days) changes in her meds or condition. Thanks everyone for your thoughts! Clay >Here is what I did. > [quoted text clipped - 15 lines] > >Clay One problem I had with that was that I had high blood pressure. I was concerned that the medication could need to be changed within 60 days of the trip but after I purchased the insurance. >> Here is what I did. >> [quoted text clipped - 19 lines] > concerned that the medication could need to be changed within 60 days > of the trip but after I purchased the insurance. You would be covered in that case anyway. It only applies to PRE-existing conditions. If you blood pressure was stable before you bought insurance then you're okay if it changes afterward. Clay >You would be covered in that case anyway. It only applies to >PRE-existing conditions. If you blood pressure was stable before you >bought insurance then you're okay if it changes afterward. > >Clay Apparently if the medication is changed then it is pre-existing. I don't have exactly what they said but it seemed pretty clear. >> You would be covered in that case anyway. It only applies to >> PRE-existing conditions. If you blood pressure was stable before you [quoted text clipped - 4 lines] > Apparently if the medication is changed then it is pre-existing. I > don't have exactly what they said but it seemed pretty clear. It's pre-existing if medication is changed before the purchase of the insurance. Clay > > Another risk to consider might be: > [quoted text clipped - 58 lines] > > - Show quoted text - Hey Clay, Can I ask what was the name of the policy you found for that 60 day window? I would always book the insurance at the time of the cruise booking as to not cause a problem with my wife's diabetes situation. Mark >>> Another risk to consider might be: >>> Pre-ex conditions of NON-traveling family members - For healthy adults [quoted text clipped - 59 lines] > to not cause a problem with my wife's diabetes situation. > Mark Global Alert Preferred Clay Hey Clay, Can I ask what was the name of the policy you found for that 60 day window? I would always book the insurance at the time of the cruise booking as to not cause a problem with my wife's diabetes situation. Mark i'm not clay but: TRAVEL SAFE HAS A 60 DAY LOOK BACK PERIOD. On Aug 29, 5:01 pm, frijoli <C...@dud.net> wrote: > D Ball wrote: > > Another risk to consider might be: [quoted text clipped - 59 lines] > > - Show quoted text - Hey Clay, Can I ask what was the name of the policy you found for that 60 day window? I would always book the insurance at the time of the cruise booking as to not cause a problem with my wife's diabetes situation. Mark >> --refund in case of need to cancel in case of change at work >> --refund in case of need to cancel for any reason (change of mind) [quoted text clipped - 22 lines] > > sue Thanks for the response, Sue. It is good to reinforce that most policies do not cover cancellations in case of change of work or change of mind-- two of the "top reasons I have seen" that people seek insurance. Thank you. Yes. Generally there is a window for the purchase of insurance, but an example of coverage available through the travel suppliers that is required at deposit would be: Holland America Cruise Protection Plan must be paid at the time of deposit. An example of the waiver of pre-existing conditions offered only at the time of deposit may be: Brendan Worldwide Vacations -"Waiver of Pre-Existing Conditions-- The Pre-Existing Conditions Exclusion is waived if your premium for this Travel Protection Plan is received with the initial/deposit payment for your Brendan Worldwide Vacations trip provided you are not disabled from travel at the time you pay your premium." Brendan offeres Brendan River Cruises While it's true that most bookings will not incur a penalty if canceled prior to final payment date. A few exceptions noted below. -- Holland American Cancellation Protection Plan is not refundable. --$200 of Cruise West deposit is not refundable as cash. --$100 of Viking River Cruises is not refundable. --Cancellations on Carnival Cruises to Nowhere have a penalty of a minimum of 25% of total fare. --Majestic America charges a fee for processing refund. --Some travel agencies do not refund a portion of the deposit. --Likewise chartered cruises may have policies on refunds that deviate from the general policies of the cruise line. Mike SignatureMichael Akana, MCC, LCS www.mythictravel.com -- Posted Via Newsfeeds.com Premium Usenet Newsgroup Service ---------------------------------------------------------- http://www.Newsfeeds.com > Yes. Generally there is a window for the purchase of insurance, > but an example of coverage available through the travel suppliers [quoted text clipped - 26 lines] > --Likewise chartered cruises may have policies on refunds > that deviate from the general policies of the cruise line. OK, first of all I was talking about "private" insurance, not cruise line insurance which most of the time is not the best choice. You mention that HAL cancellation plan is not refundable, this is true for private insurance also. If you purchase insurance and cancel your cruise you will not get your premium back, but you can transfer it to another cruise within a year. The rest of what you posted is not the main stream cruise lines or special situations. It is interesting about the Carnival Cruises to Nowhere. sue >> Yes. Generally there is a window for the purchase of insurance, >> but an example of coverage available through the travel suppliers [quoted text clipped - 29 lines] > OK, first of all I was talking about "private" insurance, not cruise > line insurance which most of the time is not the best choice. Understood. It is difficult to pay two parties--a cruise line and a separate insurance company--at the same time. Most of the posts have been addressing 3rd party insurance, though many not specifying. I am just providing examples to address your statement that "I have not seen any that must be purchased exactly at the time of deposit." These are examples. > You mention that HAL cancellation plan is not refundable, this is > true for private insurance also. If you purchase insurance and cancel > your cruise you will not get your premium back, but you can transfer > it to another cruise within a year. Actually, I mention HAL as a bit of an exception. With some cruise lines removing insurance prior to final payment may be accepted by the cruise line as an adjustment on the booking, not a cancellation. Not HAL, though, as they position the plan as benefiting you from the time of initial deposit. The problem arises if a passenger views their Cancellation Protection Plan with HAL, paid with the deposit, as a refundable deposit. It is not. > The rest of what you posted is not the main stream cruise lines or > special situations. It is interesting about the Carnival Cruises to > Nowhere. > > sue You had mentioned, "If you cancel a cruise before final payment there is no penalty .." That is generally correct, for the main stream cruises lines you are addressing. I provide examples of exceptions not to much to refute your statement as to defending mine that "some cruise lines allow for cancellation without penalty." Not knowing the situation of the OP, I didn't know he was booked on the mass-market cruiseline nor was it specified the manner in which he booked. The examples, while exceptions, are varied--including CLIA member lines (HAL, Carnival, Majestic), mass market (Carnival), as well as almost any booking involving a third party travel agency that has a policy of retaining a portion of a refund. Mike SignatureMichael Akana, MCC, LCS www.mythictravel.com -- Posted Via Newsfeeds.com Premium Usenet Newsgroup Service ---------------------------------------------------------- http://www.Newsfeeds.com >>> Yes. Generally there is a window for the purchase of insurance, >>> but an example of coverage available through the travel suppliers [quoted text clipped - 63 lines] > portion of a refund. > Mike Very good post Mike! Well thought out, to the point, and no emotions added. Keep it up! Clay Clay, There has already been a lot of good information presented here in the form of ideas and/or suggestion. However, some of these are simply personal opinions; either based on some experience or a toss-up between the bottom line costs and what is and what is not covered. The trouble is, how is one to really know the difference when so much of this is objective? Our suggestion to clients is to always get trip insurance. Even though many on this newsgroup frown on this, the cruise line itself is a viable and easy solution. Therefore, if it's not too late, have your travel agent check with the cruise line itself to see if that option is still available to you. Even if one ops for the cruise line insurance, we have them check with TravelGuard anyway, either as an alternative or supplement. TravelGuard at http://www.travelguard.com has been a good and reliable source for many travelers, and prevents the overkill of some, who now want to compare everything out there, simply trying to save a few pennies on the dollar. Now, this is not to discourage anyone who wants to search for other related insurance, that option is certainly up to them. However, this may be a bit easier for some, for this research has already been done. On the other hand, it is always surprising how so many travelers bypass any insurance altogether. - thus taking a change on their whole vacation. Yet, this is almost like not getting car insurance, assuming you won't have an accident. However, if you do, good luck trying to go out and buy car insurance the day after you have an accident. Therefore, don't be penny wise but pound foolish. We even heard from some on this newsgroup asking if they get their premium back if nothing happens. They have got to be kidding - right? If I don't have an accident or claim for my car insurance within the premium period, I certainly would not expect to get my premium back. That's what the premium is all about. On the other hand, what I am also buying is piece of mind and that I am covered if something should happen. Between this and the other suggestions, you now have a number of sources to get that insurance before leaving. As to what you need to emphasize as far as coverage is concerned, that should really be based on your particular needs, not what somebody else would do. 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 >I just realized that I did not purchase trip insurance. I for got to check >my statement for the insurance when it came in. [quoted text clipped - 3 lines] > > Clay > Clay, > [quoted text clipped - 52 lines] >> >> Clay Hi John. Thanks for the info. The last trip I took I used TravelGuard, but there coverage in this case was not as good as what I bought. I would task you to think about why you recommend trip insurance, though, as opposed to just recommending someone purchase it. I say that because to some, a loss of trip money is an acceptable risk to them. I wholeheartedly think it is a personal choice as to whether or not it is important to have insurance. You would do better service in my opinion recommending someone "consider" it as opposed to buying it. I would never buy an extended warranty, for instance which is essentially the same thing. My sister says she "feels" better having it even though it's expensive. (disclaimer: I don't really care if anyone has had a good experience by purchasing the warranties) I did purchase insurance because it was worth the little expense, in comparison to the potential loss without it. Clay PS. stop poking the bear John, and leave the negativity out of your posts. Don't bring yourself down to the level of others. Keep up the GOOD work. >> Clay, >> [quoted text clipped - 77 lines] > posts. Don't bring yourself down to the level of others. Keep up the > GOOD work. Clay, While choosing to buy insurance is a very personal choice, the recommendation to have insurance may be a professional obligation of a travel agent. Agents often include a disclaimer that travel insurance is recommended as a CYA protection. Some will have travel agreement requiring the client to acknowledge that they have been informed of insurance options and have chosen to decline coverage. Some may be more comfortable recommending a package from a source they are more familiar with. It's much easier to guide a client--choosing from available coverage options, summarize the key points of coverage, where to go for questions and how to file a claim--when familiar with the underwriter and their menu of policies. The main reason for coverage is not usually just the numbers. It's not the bottom line assessment of risk and the ability to absorb it. It's usually more about the piece of mind. (Of course, if the numbers don't add up, personally, I find it hard to be at peace.) Take one well to do doctor, for example, that bought a vacation package for him and his daughter. He could well afford absorbing the cost of cancellation but said he was able to relax knowing that if his father's health condition changed, he didn't have to worry about penalties for canceling his vacation. Then there is the real estate agent--year after year a top performer--who says, "If I've paid for a vacation, I am going to take it. If I have to cancel, I don't want to have to pay for it again." For each of these I don't think the numbers alone work out. They both travel often and rarely have to cancel. Yet.... they travel with cancellation insurance. I do have insurance during my own travel. For travel close to home I have some pretty good medical coverage and even expatriation insurance as an employee benefit. For distant travel, such as our next African Safari, I will likely opt for additional travel insurance as I am not confident of medical coverage should I need treatment from professionals that are not recognized by western medical boards. I may opt for an add-on of cancellation for any reason as well. If there is a change in the political environment, I want it to be an easy decision for me. For this particular vacation I don't want to feel I in the casino, struggling on a decision to walk away. Your sister has it right. So do you. Mike SignatureMichael Akana, MCC, LCS www.mythictravel.com -- Posted Via Newsfeeds.com Premium Usenet Newsgroup Service ---------------------------------------------------------- http://www.Newsfeeds.com > I would never buy an extended warranty, for instance which is > essentially the same thing. My sister says she "feels" better having it > even though it's expensive. (disclaimer: I don't really care if anyone > has had a good experience by purchasing the warranties) I buy extended warranties but only for laptops which tend to be fragile, not anything else. That has been worth it. I have got my monies worth over the years. A cruise is a bit different. It is not just the trip but the possibility of medical evacuation. That can be expensive. That is the primary reason I buy travel insurance. That said I had a $3500 trip to Alaska booked this July that I had to cancel because of illness. I had bought a policy with Travel Guard thru my travel agent when I booked. It only took about two weeks from when the claim was submitted to get the check for $3500. SignatureCharles Clay, Thanks so much for the feedback and creative suggestions. In this reference, we do point out to our clients that trip insurance is indeed an options, but is recommended. Whether through the cruise lines themselves or via other means, there would not be too many cases where losing all their trip money would be an acceptable risk over a much lower insurance premium amount. However, you are indeed correct, trip insurance should be considered, and some may actually have other means beside the cruise line, TravelGuard, and/or other similar private travel insurance companies. In addition, I really appreciate your personal advice as to posting more positive information and/or responses. I certainly understand what you are saying in this respect. However, since there is a fair amount of bashing on this newsgroups, at times I feel it necessary to defend my stance. Yet, on the other hand, with some, this simply tends to stir the pot. Therefore, you are correct and I really appreciate your "GOOD work" comment... I just need to consider the source at times. 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 > Hi John. Thanks for the info. The last trip I took I used TravelGuard, but > there coverage in this case was not as good as what I bought. [quoted text clipped - 18 lines] > PS. stop poking the bear John, and leave the negativity out of your posts. > Don't bring yourself down to the level of others. Keep up the GOOD work. > > John Sisker wrote: >> [quoted text clipped - 46 lines] >> (714) 536-3850 or toll-free at (800) 724-6644 & (Agency ID: 714.536.3850) >> www.shiptoshorecruise.com > Clay, > [quoted text clipped - 3 lines] > themselves or via other means, there would not be too many cases where > losing all their trip money would be an acceptable risk over a much Just to clarify you dont lose your trip mony, you lose your trip. The money would be gone (even more if you made the trip) either way ie if you made the trip or could not go and did not have insurance. Just being accurate > lower insurance premium amount. However, you are indeed correct, trip > insurance should be considered, and some may actually have other means [quoted text clipped - 90 lines] >>> 714.536.3850) >>> www.shiptoshorecruise.com Leo, Thanks for the feedback and clarification. You are indeed correct; even without insurance, final payment for a cruise is refundable - up to a point. For example, and just taking an average 7 day cruise on one popular cruise line, the penalty amount for cancelling would be as follows... up to 76 days = None; 75 to 30 days = Deposit Amount; 29 to 8 days = 50% of Full Fare; 7 days or less = 100% of Total Fare. Trip insurance on the other hand is designed for trip cancellation, trip interruption, delays, baggage protections, medical expense coverage, emergency evacuation, 24-hour assistance, etc., just as a quick example. 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 > Just to clarify you dont lose your trip mony, you lose your trip. The > money would be gone (even more if you made the trip) either way ie if > you made the trip or could not go and did not have insurance. > Just being accurate |
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