Babr

Sorry. CFAR stands for Cancel For Any Reason which is a popular feature of cruise line insurance because it is included at no extra cost. Third-party insurance requires an additional premium. The difference is that the cruise line policies reimburse in varying percentages with Future Cruise Credits whereas third-party policies reimburse in varying percentages of cash if you cancel for any other reason than the ones defined in the policy. The credits are usually more generous, but they come with restrictions so be sure you are familiar with the terms if you are considering CFAR.

Because the cruise line policy is a hybrid product. The CFAR is not insurance, rather it is a benefit provided by the cruise line. Medical and other travel risks are underwritten by Arch.

The problem is that some insurance policies do not recognize vouchers as a form of payment. Since COVID, a number of companies have changed their terms to cover vouchers that reflect the actual cash value of what was paid for the initial cruise, but even those policies do not cover bonus, incentive, or goodwill FCC granted by the cruise line. Whether you can recover anything depends on the policy and the kind of voucher used. It is an unfortunate consequence of accepting FCC instead of cash reimbursement. People have to be knowledgable of the cruise line’s policy concerning the use of vouchers as well as the insurance coverage.

In that case, medical costs represent your greatest risk. Ideally you’d have more coverage than the $20,000 offered in the Princess plan. There are excellent annual plans like GeoBlue, but GeoBlue does not include cancellation so it depends on whether you are willing to accept the risk for cruise #2, assuming the credit card would cover the other two if you cancelled for a covered reason. Since you have to decide soon, consider calling Trip Insurance Store. Let them help you explore/evaluate other options.

That $500,000 is for Travel Accident in case you get killed or lose a limb. I did not see any medical coverage. Do you have other adequate medical coverage?

Being foreign flagged has more to do with labor laws and taxes.

I’m not sure what you mean by instantly expensive. Just know that travel insurance does not pay instantly. Be prepared to pay the bill then file for reimbursement. Most people consider $20,000 on the low side for coverage. It may depend on how your primary insurance pays when you travel. Determine that before you decide if it is enough for you.

https://tripinsurancestore.com/initial-trip-deposit-date/ Apparently, it depends on which policy you buy. It also appears that there are policies that would meets the needs of the OP to cover pre-existing conditions at initial deposit. Good news for both situations. That is why I recommend calling the professionals to get the details straight.

Eligibility for time-sensitive benefits like pre-existing conditions, CFAR, and financial default are determined by initial deposit. In this case, your initial deposit was the purchase of a future booking. The same is true of booking a subsequent cruise with FCC from a previous one. The initial deposit date will be determined by the first cruise. There are policies that allow the pre-existing conditions waiver at final payment, if you are interested in that. Call Trip Insurance Store with the details of your trip for assistance in getting the right coverage.

https://affinitytravelcert.com/document/pdfs/HollandAmerica_Generic_12_20.pdf The language is there in the HAL policy. See paragraph 4 under Travel Protection Certificate. Apparently it applies only to the benefits provided by Nationwide. I suppose someone who is receiving treatment or is otherwise unfit to travel could buy the policy for the HAL cancellation waiver, but he’d jeopardize all the other benefits of the plan.

If you are going to depend on your credit card for cancellation and interruption coverage, it is in you best interest to know how it works. Start with pre-existing conditions. Familiarize yourself with the term as defined in the policy and to whom it applies.

The problem may be that it was not authorized by the company prior to your return travel. See section (c) under covered expenses for Emergency Evacuation. Transportation has to be verified and arranged by the company’s representatives (Travel Assistance Company.) Perhaps the agent/person who sold you the policy can offer some help to sort this out after-the-fact, if a more satisfactory outcome is possible.

All Allianz annual plans provide secondary coverage. That means you must first file a claim with your primary insurance. Then you file a claim with Allianz for any remaining expenses. In other words, be prepared to pay for medical care and hospital bills up front and file claims when you return home. Foreign countries and cruise ships do require that you pay in full before departing.

That is typical for medical evacuation. Does it pay your hospital bill before you are discharged?

They all pay for covered events including transportation and care. The question is when.

Travel insurance reimburses covered expenses when you file a claim. Always be prepared to pay up front. GeoBlue has a network of providers that will care for patients, but you may or may not have access to them in an emergency. Other policies may guarantee payment in order for you to be admitted to a hospital. In short, travel insurance does not perform in the same way your primary insurance does at home.

I don’t know that this has happened, but at the very least the passenger would be denied any compensation which might otherwise be allowed. Celebrity does have the right to disembark unruly passengers. It is in the Contract of Passage, but few take the time to read it.

Does the discount apply to online bookings or is it an incentive that is only offered on embarkation day?

Are you flying on a US carrier or foreign air line? Did you buy a refundable or non- refundable ticket? If you are flying with a US company with a non-refundable ticket, the air line typically issues a voucher if you cancel. It can be difficult to impossible to get insurance to reimburse you for the cost because they consider you to be compensated once you receive a voucher. If you are paying for the cruise this month, it is smart to insure your cruise fare when you make final payment. At that point, your money is at risk if you have to cancel. A second advantage is that there are policies that will also cover pre-existing conditions if the policy is purchased then. You probably are not aware of the pre-existing wavier if you have never purchased travel insurance. It means the insurance company will look back at your medical history for a specified number of days to see if your cancellation is tied to an already existing illness or injury. Some policies even include family members not traveling with you. If they find a cause, the claim will be denied. The waiver protects you from that. Be sure you understand how it works before you buy. So - yes, you need to be shopping now. There are a lot of pitfalls in travel insurance, especially for first-time buyers. I’d feel better about it if you’d get some professional advice. People across all forums on CC depend on Trip Insurance Store assistance in picking the right policy.

Yes, but the subject is how to use them in the casino to cash out excess OBC. Just curious. Never mind. I don’t want to get into an inappropriate discussion, and it would take a lot of explaining for me because I don’t know the first thing about the casino. I only ever enter it to pass through on my way somewhere else. I’ll use the list to find other ways to use it.

What other options are there for Celebrity OBC? The FAQ implied that those two were the only ways the nonrefundable OBC could be used.

In a current thread from the Beyond, David Kane posted a FAQ with a question about OBC. The answer states that credits can be used for promotional chips or slots, but they can’t be cashed out. See page 2. The document is posted sideways and is easy to overlook. Does that close the loophole?

I look forward to more posts on your blog. Beautifully done! Thank you for the link.

https://www.allianztravelinsurance.com/find-a-plan These Allianz plans include cancellation and trip interruption.

Medical evacuation in a comprehensive travel policy provides for hospital-to-hospital transfer if you need a higher level of care. It is to the nearest appropriate facility, not necessarily to your home country or to the facility of your choice. It involves the input of the attending physician, the receiving facility / physician, and the insurance company. Usually, the patient is returned home by commercial air once he is able to travel. Air / sea rescue is performed by the Coast Guard/military of the nearest country at no cost to the patient. Always be prepared to pay for medical care when you travel outside the US. Some policies may advance funds if required for hospital admission; otherwise, travel insurance provides reimbursement after submitting a claim.