My brother and I (57, 58 no pre existing health issues) are planning around the world trip in 2024 including a transatlantic crossing on QM2. I have been reading the forums and note Aus Traveller mentioned researching credit card travel insurance last year and did a spread sheet. I'm sure there was also a post by someone on a longer cruise also offering a spreadsheet but others were having trouble downloading and there was an offer to email. Now I can't find it.
I have read the PDS and emailed Covermore and it still seems a bit too good to be true compared to the cost of stand alone travel insurance policy for a 3 month trip including USA. Am I missing something, does anyone have first hand experience to share? (CBA Platinum Awards card currently $249pa)
There is a cruise extras upgrade but the wording is "As well as the cover we provided you under Overseas Medical and Overseas Travel Policy for cruising, the cardholder can pay to upgrade......" Benefits of the upgrade are not important to us. The other weasel words are general exclusion 28 where they will not pay for claims caused by epidemics/pandemics/contagious disease outbreak EXCEPT overseas emergency medical and hospital expenses if you test positive to covid-19 AND destination was not subject to do not travel warning AND you were not travelling on a multi night cruise at the time of testing positive to covid-19. My main fear, although highly unlikely, is being evacuated by helicopter or something back to USA infamous health system and guessing this would be excluded if we test positive to covid-19 regardless of reason for evacuation.
Any feedback appreciated.
thanks, Janelle