Babr

American Express does specifically state that the cardholder must charge the entire cost of the trip, but American Express is not often mentioned on this forum. Most people seem to use the Chase Sapphire card which simply states the cardholder must charge all or a portion of the trip cost.

NCL BookSafe does not cover pre-existing conditions nor does it grant a waiver as third-party policies do with timely purchase. As @Travelling2Some pointed out, you’d have to be willing to accept FCC if you cancel. Even if you don’t have to cancel before departure, you risk your medical or trip interruption claim being denied if it is caused by your pre-existing condition.

Late is late - not covered. No policy covers pier runners who can’t tell time. Trip Delay applies if you are on the way to your cruise but prevented from travel due to one of the hazards defined in the policy such as a flight cancellation. It pays for hotel and meals up to the policy limit until travel resumes. Trip Interruption applies if you are not able to complete the trip for a covered reason such as an accident or illness. It pays for the unused part of your trip and transportation home. Since you are new to trip insurance, I do not recommend the Do-It-Yourself method of buying a policy. Call The Trip Insurance Store to discuss the details of your trip and concerns you have to help them identify the best coverage for you. There are way too many pitfalls to go it alone.

If you are asking about not returning to the ship on time while in port, it depends on why you missed the ship. If you are simply late, no one will cover that. Ask your independent tour operator if they guarantee your timely return. Otherwise, trip interruption will apply for a covered reason as defined in the policy. And, yes, cruise line insurance includes it. FYI: Cancellation and CFAR provisions are pre-departure benefits, not applicable once travel has begun. Trip Delay is an en-route benefit.

But you are not fully covered by Chase if your cancellation is caused by a parent’s pre-existing condition. The 60-day look-back begins at initial deposit for credit card coverage. The insurance company will examine the medical records of anyone involved in the claim, and If it is determined to be based on a pre-existing condition, it will be denied.

Allianz requires you to purchase within 14 days of initial deposit if you want the pre-existing conditions waiver. Otherwise, coverage begins on the day after the premium is received. Nationwide does not offer a waiver neither does credit card coverage.

Only if cancellation by provider is a covered reason. I have not seen that, but there is a lot of variation among policies. It depends on whether it is listed as a covered reason under Trip Interruption. In that case, the benefit in standard travel insurance is capped at 100% to 150% of the trip cost depending on the policy. If indeed it is covered, that would be plenty since the cruise line is refunding the cost of the cruise. Credit card insurance covers only change fees, not the cost of a new ticket.

Insurance claims must be for a covered reason. Cancellation by the provider is likely not covered by either traditional insurance or credit card benefits. Check the defined list under Trip Interruption.

Yes, you can still get a waiver for pre-existing conditions because you just booked the cruise. You have 14-21 days depending on the policy. Call The Trip Insurance Store tomorrow morning. Let them help you find the right policy for your needs. It does not cost any more to get professional assistance.

Now that I think about it, even policies with a waiver at final payment will not cover a foreseen event so it very much depends on the circumstances at the time of purchase. The other choice is simply to cancel before final payment. Tough position to be in.

The pre-existing conditions waiver is a time-sensitive provision. The policy must be purchased within 14-21 days of booking in order to qualify for a waiver. Some policies allow a waiver if the policy is purchased within 24 hours of final payment. That may be an option for any of @BND’s remaining cruises that have not reached final payment. IMG, Generali, and CSA are companies to consider. Steve may offer additional choices.

Briefly, a pre-existing condition is one that requires treatment or prescription medication regardless of age; and, in the case of Allianz, manifested itself within 120 days prior to the effective date of the policy. Also, the fact that your father is in hospice implies a foreseen event. Allianz will make the determination if you file a claim. Just know that neither you, your traveling companions, nor family members have coverage for pre-existing conditions if the cruise was booked before you bought the policy. Only a cruise booked within 14 days of purchase or anytime after that is covered.

The timing of coverage is determined by booking date, not when he went into hospice. Did you have the annual policy when you booked the cruise?

The pre-existing conditions exclusion does extend to family members, but it is waived if you already had the policy when you booked the trip or purchased it within 14 days of booking.

Generally speaking, that is true; however, you won’t know for sure until you file the claim. Only the insurance company can see the associated medical records and documentation. After examining that, they will determine whether it is a pre-existing condition or whether it is fully covered under the terms of the policy. No insurance company will tell you over the phone that a claim will be paid without ever having seen it. If it is determined to be pre-existing, neither NCL nor American Express will pay. In any case, you still qualify for the FCC under the NCL policy. Best wishes for recovery and health.

You are too late to get a pre-existing conditions waiver. It is a time-sensitive provision that requires you to purchase the policy within 14-21 days of initial deposit. Some policies allow it if you purchase within 24 hours of final payment, but that opportunity has passed as well.

The pre-existing conditions exclusion does indeed extend to non-traveling family members in some comprehensive travel policies. That is true of all credit card insurance provided as a benefit with fee based cards. Claims for cancellation or trip interruption are denied if they are determined to be caused by a pre-existing condition of the policy holder, traveling companion, or non-traveling family member. That is why it is important to read the policy carefully. It does not necessarily mean death from a pre-existing condition isn’t covered unless it is stated in the policy, such as in the Aegis policy.

http://www.ncl.com/sites/default/files/BookSafe-Travel-Protection-Plan_112514.pdf The look-back period for NCL is sixty days. It sets aside conditions controlled solely by taking prescription medication and must have been stable with no change in meds for the sixty days prior to the effective date of the policy. (Page 7) I don’t know if the OP’s situation conforms to that definition, but it is what the insurance company uses to determine coverage.

NCL insurance does not cover pre-existing conditions. If the claims administrator determines that your surgery was related to something for which you were already receiving treatment, your claim will be denied. You will still be eligible for the 75% cruise credit under terms of the standard policy’s Cancel for any Reason provision.

A stand-alone CFAR policy does not exist. The CFAR provision is a time-sensitive addition to many comprehensive travel policies, which means it must be purchased within 14-21 of initial deposit. You have missed that window, even if you wanted to buy another policy besides Allianz. The NCL BookSafe policy includes 75% CFAR, but at 60 days prior to sailing, you are too late for that as well.

Indeed. It would not be suitable for someone with Medicare alone or even one of those MediGap plans with a lifetime limit of $50,000 for foreign travel. It could work for someone with a Medicare Advantage plan. Even at out-of-network rates, the $20,000 could cover co-pays or other out-of-pocket costs.

Cruise line insurance can be an acceptable choice especially as one ages. The premium is based on percentage of fare, not age as third-party insurance is. There is no need to be overly concerned that the claims will not be fairly settled. Princess is merely selling a policy with their name on it as another stream of revenue. Nationwide underwrites the policy, and AON administers the claims. Princess has nothing to do with it once you’ve bought the policy.

Interesting. Mine was officially entered in the system on June 30. I received the new one yesterday. That appears to be the same timeline as yours except that I did not pay extra for anything. I suppose it depends on which regional office processes the application and how busy they are.

Insurance covers unforeseen events as defined in the policy. It does not cover everything. Having said that, there’s a lot of variation in the wording of policies so I’d direct the question to a professional. Ask specifically about cancellations caused by logistics. Call The Trip Insurance Store. In any event, if I found myself caught up in snag, I’d call the insurance company’s in-transit emergency number for instructions.

As expected. That is what the emergency transportation coverage provides when medically necessary. While the medical coverage itself is low at $50,000, it probably suits wealthy travelers who can make up the difference, but it is not the best choice for everyone.