GeezerCouple

Always have a Plan B, but in this case, it's especially important, as a missed connection isn't all that improbable, unfortunately. IF the flight is on time, you should be fine! GC

Yes, in case of any claim based upon a medical situation, you should get a signed letter from a physician (or other healthcare provider), one preferably whom you have just *seen* (unless impossible, I suppose??). I think many (most? all?) insurance policies state something like this. [A Zoom call these days may suffice... things have changed in the past few years!] It would not work to "self declare" that there was some medical emergency or other "need" requiring that you not travel, for obvious reasons. GC

However you handle it, don't double dip! IF you get credit from the cruise company, then do NOT claim that amount from insurance. But it's likely to be better to get the cash from the insurance rather than a "credit" from the cruise company, which is limited in use and possibly in time duration. GC

Welcome to cruising! In addition to browsing a bit on this CC section, we'd strongly suggest that you CALL: https://tripinsurancestore.com Call them so they can discuss things with you, and in addition to any questions you have for them (starting with ALL of your questions above!), they'll probably ask you some questions, too, to help find the best coverage available for your needs. Note that in the future, for any travel insurance, the best choice of policies will be available if you start the coverage when you make the *first* payment, even if that's only the deposit. You can discuss that with TIS also, for the future. They are a broker and offer policies from several vetted insurers. No extra cost to the travelers. And they can help with a claim, should that be needed. We learned about them here on CC, and have had several claims, including some large ones. All we paid promptly. By the way, I'm assuming you are a resident of the USA. If not, much of the above may not be relevant. (Try to at least add the country in your posts, under your UserID for reasons like this.) GC

We've never had any problem at all with rebanking miles either, with any of the programs we use. But the programs/airlines we use have very modest "rebanking fees" to do it. It's not enough to fret about at all, but since that IS included in the travel insurance, we do add it to the claim each time we've had to do that. GC

We travel a lot with the air being using awards. Fortunately, although that part of the trip - the "regular cash price of the air trip" - is not insuranble, for a very modest cost, we can re-bank the points (almost always, IIRC). And we can insure that modest cost, which we only do because our insurance type requires that we insure ALL non-refundable costs. Even though we didn't pre-pay that fee, we include it. It's small enough that it's never kicked us into a higher tier of coverage (it goes by increments of the total cost), so it was always a non-issue. Better to include anything that MIGHT be in the "everything"...! And yes, we've recovered that "rebanking fee" a few times, although that was never a real concern, obviously. But if we were filing a claim, we'll include everything there, too. GC

Do you mean, like leave the ship while there are still passengers on board!?? 😱 Do you really think that the Costa Concordia captain "FELL" into that lifeboat? If so, I have this bridge for sale... 😉 GC

What cruise line/ship are you thinking about? Because, yes, "It depends", 😉 but in part that "depends" upon where you are. Some of the premium/luxury lines are able to accommodate special requests (including occasionally something that is not on the regular menu at all, if they have the ingredients, etc.). That's part of what the extra costs might include (among many other niceties, of course). GC

Welcome to CruiseCritic! You probably should also post this on the NCL section of CC: https://boards.cruisecritic.com/forum/64-norwegian-cruise-line/ And you might want to browse through other sections of CC for assorted general information. 🙂 https://boards.cruisecritic.com GC

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Jakefromcanada: We love your UserName! 😄 GC

The weather can be *very* unpredictable. We went in late May/early June. The weather was predicted to be rainy the entire way, so we brought rain gear, etc. It was sunny *every* day! We obviously had no complaints, but much of what we brought? Never touched. GC

This doesn't directly answer your question, but are you sure you want an annual policy? Have you checked the various restrictions and limitations, in terms of total $$ limits and also how pre-existing conditions are handled (or not)? As long as you fully understand the complete Terms and Conditions, then you should also be able to compare the policies. Or is your question about the two insurers more generally, and not regarding the specific type of policy? GC

I suggest you call a travel insurance agent or broker. There are quite a few different types of "medical evacuation" services, and they can be for different situations. Many (most?) travel insurance already includes "medical evacuation", but that may only be "if necessary". MedJetAssist leaves the choice to the patient ==> once they are already an INpatient at a hospital. I'm not familiar with Airmed or other similar services. A travel insurance professional can discuss with you what your concerns and possible needs are/would be and help you decide what type of policy would be the best fit. GC

Apparently the Chase Sapphire Reserve card is very good, but regarding travel insurance... When using *any* charge card linked insurance, please make certain that you understand all of the Terms & Conditions (T&Cs). These can be quite different from outside/3rd party travel insurance. The main thing to watch for (for most claims) concern "pre-existing conditions", with a second concern being the maximum coverage per trip (or perhaps per year). Some of the card-linked travel insurance does NOT cover claims relating to pre-existing conditions. Also make note of how the specific policy defines "pre-existing condition". There are several definitions, and the travel insurance usage can be VERY different from what we think of in everyday life. In some cases, this could be a negative or a positive, but it's critical to know what is or is not covered for *your* policy. GC

I should also have emphasized that travel insurance may be especially important for you. We feel that way in general (and have had several claims ourselves), but especially if there is something like this that could easily make someone sick enough to need to leave the ship for a hospital! Here is the section on CC about travel insurance: https://boards.cruisecritic.com/forum/499-cruisetravel-insurance/ You may want to browse there or also ask questions. Note that as klfrodo wrote, you should be looking for a policy that *does* cover any pre-existing condtions. This usually means that you MUST start the insurance within about 10-20 days of making your very FIRST payment (timing depends upon state of residence). Then you up the coverage promptly as more non-refundable payments are made. (There may be other ways to get coverage that doesn't exclude pre-existing conditions, but starting the insurance right away gives you the best choice of policies.) You should definitely contact a travel insurance agent or broker so they can help you make sure that you get this right. We are among those here on CC who use and recommend: https://tripinsurancestore.com But CALL them; don't just rely upon the short policy summaries on the website. Those cannot capture all of the "fine print", which is especially important with insurance. TIS is a broker, and they work with a few vetted insurers. They can also help if there is a claim. They are wonderfully patient with those who have lots of questions; that included us just over 10 years ago, when we learned about travel insurance here on CC. And we had a large claim the very first time we purchased travel insurance, and we were reimbursed for all of our non-refundable payments within about 2 weeks of submitting the documentation! (And we've since had several more claims. Now... we don't go far from home without that coverage!) There is no extra charge to purchase insurance through them. GC

Note: We ALWAYS bring a bunch of pre-packaged diet-appropriate snacks (e.g., protein bars...) "just in case". These can also be very handy for any excursions where either there is no diet-appropriate food, or the organizers didn't understand the needs and "thought" they were able to do it. These are always in our hand luggage when traveling, too. For example, what if we have an unexpected overnight between flights, maybe due to weather. We always know DH will have something safe to eat. GC

Welcome to CruiseCritic! The good news is that many (most? all?) cruise lines, at least the larger ones, are usually able to handle special diets VERY well. For considerable discussion about just this, please also see (and post) the Disabled Cruise section of CC: https://boards.cruisecritic.com/forum/114-disabled-cruise-travel/ You'll need to contact the SPECIAL NEEDS group of the cruiseline. They'll probably have a form for you to fill out. In your case, you'll want to ask if they have a *separate* "special diets" kitchen, to avoid cross contamination. IF that is a concern for your son, be sure to *emphasize* that! (DH was diagnosed late in life with serious celiac disease; a lot of damage had been done, but we never knew, as he was completely asymptomatic. We've found that cruises, restaurants, hotels, etc., are really good about this these days. But we ALWAYS double check when ordering AND when food is served!) Enjoy! GC

Interesting issue! I don't think this is customary in the US, but of course, there could be specialized policies. However, more and more employers are adding a perk of some legal assistance, along with medical/etc. The legal assistance is through a network of attorneys who have agreed to participate, such as "MetLife Legal" or "Hyatt Legal" (our plan changed from the latter to the former this past year). Mostly, it's for a specified list of uses, such as for wills/trusts, real estate closings, etc. But starting in 2024, they added an extra specified amount for "other". It wouldn't go very far, but it would probably cover a meeting (or two?) and some sort of "warning letter". (The recipient wouldn't know that the covered legal services have just about run out, right? 😉 ) I guess IF one had that type of employee benefit, one could see if it might be useful. GC

I don't think Elliot "sues" anyone. His is a "consumer help" site. That can include just about any "issue", not just cruise lines, and not just travel, either. Recently, there have been some vacation rental issues mentioned. But it can also be just purchases of <something>. They apparently can make a huge difference. That's part of the good news. What we don't/can't know is what percentage they even help with, or, importantly, help with *successfully*. But I'd certainly give them a try! GC

Bow thruster? Isn't that ... forward? On the Riviera, the Owners Suites are aft. Did you mean the Vista Suites? GC

Welcome to CruiseCritic! And SO sorry that this is your "introduction to cruising"! Hopefully, you will indeed have a chance to take a cruise in the future (maybe next year?) all together. And please do ask here, step by step, if you have ANY concerns or questions, given your experience. It would make sense for you to be extra cautious, given your unfortunate experience. None of this sounds okay; you are right to be concerned. It's hard to keep track of everything you wrote, and all of the "warning signs". I'm not sure why you relied upon Reddit. My understanding is that there is a lot of sketchy "things" that go on there (on Reddit). (We do not ever use Reddit; I am relying only upon what I've read in several places, which is why we don't deal with them. At all. And one part of DH's work involves considerable "social media", but *not* Reddit. This is a "bit late" (as in, "too late", unfortunately), but especially given that she did accept regular credit cards, why did you use something like Venmo? It's probably good to learn from this just "don't use Venmo", and especially not when it is possible to use a regular charge card. Also, if you were checking that she was licensed, was she *really* licensed or did you just accept her statement that she was? (Current licensing can be verified through the appropriate licensing agency/etc.) Please note: I am NOT trying to "dump" on you here. This is a very important learning experience for others, too. And perhaps you'll also become aware of other ways fraudsters can operate. It's very unfortunate that this happens, but... it does... And it's far too easy for some people to think "this would never happen to me", until something like this *does* happen. Honest people aren't constantly thinking, "What kind of scam could be hidden here!?" And whenever doing something new - cruising for all of you - it isn't always obvious what the "regular routines" are, etc. [See below; I'm hoping there will be a way for you to get your money back... maybe.] For one thing, what/who is a "host"? If that is a legitimate travel AGENCY where this so-called TA works, then you should be in touch with them... yesterday... And what is this about *previous* agency? She's worked with two of them recently? Note that the TA is continuing to engage in those "shenanigans". IF everything truly is fine, and the reservations are still "safe", then why in the world would she need to involve her E&O insurance, which I assume is "errors and omissions". She's claiming there are NOT any "errors" or "omissions"! A HUGE red flag (well, one of them, alas) is the statement that "the Princess app is new and they have asked her not to let all of us into the app at once". Say what? Princess is a very, very large company. If their website or app can't handle your family group, how in the world are they dealing with tens of thousands of passengers who sail on their many ships every day, every week, every month..., with each ship holding thousands of passengers!? What evidence do you have, still, that the TA really does have a "legitimate business"? That would actually be encouraging, given some protections that might be involved. Do you know that she *really* works for an "agency"? If so, again, there should be some protections there, but not if she was only masquerading as being affiliated there. This amount of money is probably well beyond small claims court. I'd suggest a single, quick meeting with an attorney, to find out how you can go after this "TA". The amount of money you mention may put this into a serious legal category. (IANAL, so I won't speculate about categories or names of crimes, etc.) It is possible (maybe not probable, but *possible*) that a letter from an attorney will get her to take action that will at least make your family whole, even if it doesn't help others who may have been scammed. And you all SHOULD file complaints with assorted regulatory agencies, including her state's Attorney General's office. There may be other victims, but the AG/etc., can't see a pattern if victims don't report. Good luck, and we hope that you all do end up spending special time with Grandmother! And a cruise, eventually. 🙂 GC

[emphasis added] Hmmm... This must be something specific to the UK? Or at least, not necessarily done for/by USA-based passengers. Or perhaps it is the specific cruise line or travel vendor that might not do business in the USA? I don't think we've ever provided any cruise line about our travel insurance, or even whether we had any (we always have, since joining CruiseCritic!). Yes, it's possible that we did provide such information but I've forgotten about it... However, I think that for some of the more intensive expedition-type cruises/trips we considered or read about, the vendor does require evidence of some level of coverage. But we have not actually signed up for any of those expedition type trips, and by now, very unfortunately, at our ages/conditions, we suspect we probably won't. GC

Welcome to CC (or, your first post, anyway!). When you repost this query in the France Port section of CC, as suggested, try putting the specifics in your TITLE, such as: "Transfer from CDG Paris to Le Havre" instead of "Airport to Cruiseport Transfers". You want to attract the most eyes, and the eyes that are most familiar with *your* specific issue, from the list of topics. The general header could sound like someone is asking about general transfer strategies (e.g., cruise line vs private, or whatever). And what you want to know is about a very specific route, from one airport to one cruiseport. It tends to help if the header jumps off the page with a few key words for those who are most familiar with the specifics. Enjoy your cruise! GC

Welcome to CruiseCritic (or your first post, anyway)! That's a very interesting question. Others will chime in here, but in this situation, I would definitely want something IN WRITING that "the food allergy is not a pre-existing condition", or *preferably* get a policy that does not exclude pre-existing conditions. We always get that waiver, so if there were something like this lurking that we hadn't thought about, it would still be covered. We have a few other mild conditions, but we worry that IF something major happened, it could be linked back to some mild condition. It's just easier not to worry about it. And most of our claims *have* been based upon medical emergency (although the claims themselves were mostly for cancelled/interrupted trip costs). As I've mentioned elsewhere, given that we do have possible pre-existing conditions, and some definite ones, we want the guaranteed coverage for the SWAN effect: Sleep Well At Night! 😉 Another likely advantage of having that waiver, although probably not worth the extra cost if this were to be the only reason (it isn't, for us) is that it may expedite some claims payments. That is, when we've had claims that were based upon some medical situation, the insurer didn't need to comb through old medical records to see if there was indeed some pre-existing condition that might have been involved. That could probably take considerably time in some cases. I don't think we'd have had the claims, including large ones, paid within about 2 weeks if that had been necessary. GC