Babr

Many insurance policies cover single supplement. Couldn’t this be resolved to everyone’s satisfaction with insurance reimbursing any loss or additional fees? Check to see what the policy covers. Isn’t that why you buy it?

Since we are talking about medical claims - on page 26 under Limitations and Exclusions, “The following exclusions apply to….. Emergency Accident and Sickness Medical Expense.” Loss caused by or resulting from: Number 9 - Being under the influence of drugs or intoxicants That means drunk, and it means it is not covered.

All you have to do is read the policy, and then you’d know it too. See the link above for an example. Page 14 #9 for travel benefits; page 26 #9 for medical benefits. Then check any other policy you might consider buying.

It is listed under “General Limitations and Exclusions “ or similar wording and usually is near the end of the policy. Here’s one if this link is allowed. It is for a Nationwide policy which is pretty common. Scroll down to page 14 #9. https://www.insuremytrip.com/certificate/?cert=NW/NWE/NWEr21_cert_TXfulfillment

What policy?

Did you ever read the list of exclusions? Pretty common.

Not sure what you are asking. Travel insurance is not part of your regular medical insurance that you use at home like Aetna or Humana. Those entities absolutely have all your medical records. Comprehensive travel insurance covers both travel and health risks when you are away from home and provides additional benefits like evacuation and repatriation. They are underwritten by companies like Nationwide or Generali. When you submit a claim, they ask for documentation and records. You can deny access, but they can deny the claim for failure to provide information.

Actually, no. We are talking about travel insurance, not your ordinary healthcare policy. They have a right to and will examine your medical records to determine if the claim is valid. Read the list of exclusions to see what other activities you might want to avoid.

Just as well you didn’t buy travel insurance. It does not cover blind stinking drunk.

Link did not work, but if this is the Classic Plan with Trip Cancellation, scroll down to page two under Cancellation. Look for the question, “What risks are insured.” Notice the sentence in bold.

The Allianz website states that foreseen events - named storm, for instance - are not covered. You still have coverage for unrelated events and medical. Be aware that your coverage begins the day after they receive payment.

Hurricane season ends in November, but there are other reasons to buy travel insurance. Check your existing health insurance to see how it covers you when you travel in case of illness or accident.

The OP’s question was about insurance that would allow cancellation prior to departure if COVID rules change, and the unvaccinated family members choose not to go. With HAL insurance, if all the unvaccinated ones are booked in the same cabin, they could simply cancel. On the other hand, if family members are sharing a cabin with an unvaccinated traveler who decides not to go, the remaining person will have to pay the single supplement. I think we are talking about two very different things.

Doesn’t the single supplement apply if one of two people in a cabin cancels? The policy says it does not protect double occupancy. Or triple or quad, for that matter.

Just be sure the unvaccinated ones are in the same cabin. HAL does not protect double or multiple occupancy rates. In other words, if one cancels, the remaining passenger(s) will be refared.

Indeed, it does not provide comprehensive coverage. It is just one of a number other perks provided by the credit card company in exchange for your annual fee.

You misunderstand. I am talking about pre-existing conditions. If you had to cancel because a non-traveling family member - perhaps an aging parent with health problems - required you to cancel in order to care for them, the insurance company would examine medical records to determine if the claim was the result of a pre-existing condition. If so, it would be denied. Obviously, the same is true if you or a traveling companion filed a claim based on a pre-existing condition. Take another look at your Guide to Benefits so that you are not caught unaware.

You should be fine if you need only those benefits, but a lot of people depend on it for cancellation and trip interruption without fully understanding the limitations.

For others reading this, it is important to note that credit card insurance does not cover pre-existing conditions for the cardholder, traveling companions or even non-traveling family members. Be sure to understand what that means as defined in the Guide to Benefits before considering this strategy.

No, HAL is unique in its offering. All cancellations are treated the same with a cash reimbursement. Other cruise lines offer CFAR with FCC reimbursement when canceling for a non-covered reason.

Third-party policies use age, length of trip, and amount insured among factors determining cost of the premium so it gets more expensive as one ages unlike cruise line policies which are based on a percentage of fare.

The confusion lies in the definition of terms. Yes, US travel policies cover medical evacuation. That means hospital-to-hospital transfer if it is determined to be medically necessary. It does not mean air / sea rescue as explained by @chengkp75 in post #12. Nor does it mean repatriation. The patient is usually treated at the nearest appropriate facility until he is able to return home by commercial air. A medical escort is provided if necessary. The thing to know is that the doctors and the insurance company make the decisions. MedJet Assist allows you to have more control over the decision; but it, too, is for hospital-to-hospital transfer, and there are still some limitations.

If you choose to buy a comprehensive travel policy, insure anything pre-paid and non-refundable. You can exclude port fees and taxes because those are refundable. Be careful about insuring air fare because air lines typically issue a voucher for a cancellation. In that case, insurance will not reimburse. Hotels are usually cancelable, but if you prepay a non-refundable rate, include that in the amount insured. If you are buying in the time-sensitive window in order to get the pre-existing conditions waiver, check to see whether the policy requires you to insure all non-refundable expenses.

I’m not sure what the agent meant by saying you should be fine because you have insurance. Insurance covers lost or stolen documents, not the failure to provide required documents. It will not cover trip interruption if you are denied boarding under those circumstances, and it may be too late to invoke CFAR at that point. Better get clarification on that bit of advice.

Steve has answered a similar question. There are no stand-alone CFAR policies. Holland America comes as close as it gets. They have two policies. The standard plan is for cancellation only with no other coverage of any kind. All cancellations are treated the same with no questions asked. All cancellations are refunded in cash at 80%. I suppose that is how they get around the CFAR issue since it is available to everyone except UK citizens.