I have a two part question.

1, Is it best to buy the cruise line insurance?

2. If not the cruise line insurance which is the best policy for the best price?

Thank you in advance

Kathy

Thank you Steve!!

We are planning on booking a beach house in September. My husband's job is essential and if the state where the beach house is on our state's no-go list, we will need to cancel the trip even if we are healthy. However, no regular insurance policies cover things like this -- I've already checked.

We live in New York and this state does not allow cancel any reason insurance policies. My parents, who are traveling with us to the beach house, live in Pennsylvania. They are allowed to buy cancel any reason policies. If we have them book the beach house and we end up not going because of Covid restrictions, what kind of information will we need in order to make the claim? Can we just say..."not going!" and get our money back after filling out some basic paperwork?

I know filling out a regular claim is mountains of paperwork, doctor's notes and other official documents that need to be filled out (been there, done that -- twice). How does it work for cancel any reason?

And does anyone know if certain credit cards will offer this type of travel insurance?

Thanks and here's hoping we're back to safe cruising soon!

Along with the package is an "Exclusive Healthcare Service" provided by Healix.

This service provides a free Covid test at the resort prior to your return to the States. If you come up positive, each guest can stay at the resort for an additional 14 days

GeoBlue primarily offers two kinds of policies, and annual trip medical plan (usually called "Trekker") and individual trip plans (usually called "Voyager").  The annual plans DO NOT currently include coverage for COVID (or other pandemics).  But their individual Voyager Plans do INCLUDE coverage for illness due to COVID which makes these plans attractive for some travelers.  However, although GeoBlue does cover COVID (under Voyager Plans) they exclude trip evacuation related to COVID!  This latter issue is why I called them today and they did confirm that their Voyager Plans do not cover evacuation for COVID cases.  One very nice thing about their Voyager Plans is that you can choose your coverage amount (up to $1 million) and deductible (ranging from $0 to $500).  

So, if this is medical evacuation issue is a problem what to do?  Medjetassist (a highly rated medical evacuation program) does include Medical Evacuation for COVID from a handful of countries (including most of the Caribbean and Mexico).   

I should add that another option for those seeking medical coverage for COVID is a plan offered by Atlas International.   While their plans do cover medical evacuation for COVID my issue with them is that their coverage limitations for older folks is very limited (i.e. maximum might be $100,000 or medical).

I will again sound a personal warning about medical insurance maximums.  Most of the policies offered by the cruise lines have relatively low maximums (often $10,000 or perhaps $25,000).  While this might seem adequate we think it is wholly INADEQUATE unless folks have other medical insurance.  In this new COVID world one can easily run up far more then $100,000 in medical bills with a bad case of COVID (i.e. hospitalization in ICU with ventilator).  I remain outspoken about medical limits and think that $100,000 is a reasonable starting point to consider for coverage.   Always remember that your personal liability for medical costs is unlimited and medical costs are still the #1 cause of personal bankruptcy in the USA.

Hank

I'd like to also point out that there is a special Q&A going on for Cruise insurance on CC hosted by Steve Dasseos of TripInsuranceStore.com.  Steve routinely monitors the CC Insurance board and is very helpful.   Disclaimer - I don't have any affiliation with Steve or his company and have never been a customer although I probably will be when I return to cruising.

https://boards.cruisecritic.com/forum/2500-qa-cruise-insurance-with-the-tripinsurancestorecom-december-2020/

Doesn't look like Canada will have us all vaccinated until Sept/Oct this year and even with that, only adults and kids, so I am not hopeful on going.

Let's say the cruises start again in the US, but there's a rule that we cannot travel without vaccinations, now what? Especaily, if kids are not part of the vaccination group?

Right now, they don't allow for us to drive to the US, only fly. I think the US wants a covid negative test to get in and Canada wants one to get back. 

Do you think our trip cancellation insurance would cover?

Laura

I am not prepared to renew, as we don’t have a cruise booked, but I have looked at one that covers for COVID-19 cancellation.

It has struck me, that maybe in the future, Insurance companies make ask in their health questionnaire, if the vaccine has been administered.

Maybe a reduction if you have been vaccinated?

Our flights will be purchased with Chase points.

My wife is a 2 time Kidney Transplant patient and is currently doing well.  

So the question is what is the appropriate insurance in this situation.  Do we just get Medical insurance?  If we pay off the cruise with a Chase Sapphire card which was just downgraded to Preferred but can be upgraded back to reserve before final payment.  Is that adequate for the medical?

Is there a scenario where we would get money back for the cruise credits if we had to cancel early for medical or other reasons that would justify a more comprehensive plan?

Has anyone had a similar situation with Travel Insurance and are there any reputable companies where we can use a policy based on travel limitations out of the US?   Any assistance is appreciated.

Darren

Has anyone had one and been given an extension?  I would think that it should be valid for one year from when ships start up again.  Thanks

Have been planning this trip for 2 years. Built in contingency plans due to Covid. etc.etc

Here is what I didn't plan.

Mom may not let my  (16yo) granddaughter go with us if proof of titer vaccination is required. She is anti vax. Not my concern. I respect her wishes as the mother of the child. Mother works in healthcare and was willing to show proof of vaccination on written record. However, titer results are much more difficult to falsify.

Grandma and I are going regardless. Could put it off another year but who's to say we'll be around another year or if requirement of titer proof will change.

I do have trip cancellation and medical insurance with waiver of pre-existing conditions (TravelSafe).

What are your thoughts ole guru's of travel insurance

Coverage that I can't find is Third Party Liability. My Allstate policy doesn't cover me outside the US.

My Travel Insurance offers Rental Car coverage but it's only CDW.

Some countries include Third Party Liability in the price of the rental car, some countries don't include it in the price, but do "require" coverage which can be very expensive when added on at the rental counter.

Does anyone offer Third Party Liability?

My friend and I were booked on the Star Vista Ultimate Disco cruise in February 2021 on the Celebrity Infinity. Due to COVID and my friend’s health issues, we cancelled the cruise in June, 2020 and filed a claim on our CFAR policy with Travel Insured International along with supporting documentation.

As the weeks and months (June-September) pass, calls and Emails to Travel Insured International claims department go unanswered.

When I finally do get a vague Email response in September, the form letter states due to COVID, there is a delay in processing claims.

Has anyone had their CFAR claim processed from Travel Insured International since the pandemic began?

Sent from my iPhone using Forums

Many times we criticize insurance companies, so I wanted to publicly say that we received great service and very prompt communications throughout the entire process.  We will definitely use this insurance company in the future.

(Cross posted from wrong section)

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I didn't see anything on this board regarding this change so thought I'd post.    Now if GeoBlue annual plan would cover Covid treatment I'd be good to go when I feel comfortable with the risk.

Yesterday they made is announcement

MEDJET IS NOW TRANSPORTING FOR COVID-19, FOR TRAVEL IN THE FOLLOWING LOCATIONS. Locations are updated frequently, some restrictions apply:

• 48 Contiguous United States (as of 10/19/20)
• Canada (as of 10/19/20)
• Caribbean (as of 10/19/20)
• Costa Rica (as of 10/30/20)
• Mexico (as of 10/19/20)

https://medjetassist.com/medjet-blog/blog/2020/01/24/medjet-services-alert-coronavirus