Babr

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.

Before you decide, consider the fact that you have several connecting flights to reach your destination. Allianz provides for cancellation under certain circumstances if your carrier can’t get you to your departure point within 24 hours. They will reimburse you for alternate transportation if you can get there by other means. See #9 under Trip Cancellation and Trip Interruption. Also see the section for Trip Delay.

https://www.allianztravelinsurance.com/api/certificates/download/all?ProductID=27463&State=TX Here is the link. Scroll down to page 7 to see the list of covered reasons for cancellation.

Random thoughts - Flights typically don't get reimbursed by insurance. The airlines issue vouchers if you cancel. They issue credit if they cancel. Insurance is not involved if you are compensated by the airline. Hotels are usually refundable depending on your booking terms. Decide if you want to include the cost in the amount insured. It will impact the premium. You can use the $50,000 to supplement your coverage from BCBS. Be prepared to pay up front and file with BCBS and Allianz when you return. A pre-existing condition refers to anything in your medical history during the look-back period. It could be a test, treatment, reported new symptom / diagnosis or even a prescription change. If it can be tied to your reason for cancellation, the claim will be denied. You are covered if anything develops after you purchase insurance. CFAR coverage is important only if you cancel for a reason not covered in the policy. You are covered for a number of reasons listed in the Allianz policy, and yes you get 100% cash reimbursement. Click on the link to the certificate of coverage to see the list of covered reasons.

People are reluctant to respond because you indeed have a complex situation, partly because you are doing this in reverse. It is easier to asses your needs first, then find an appropriate policy. That said, I do not have any personal experience with Allianz, but many Cruise Critic participants have found it completely satisfactory. The only concerns I have is that the medical coverage caps at $50,000, and you probably won’t be covered for pre-existing conditions unless you are still in the 14-day window to qualify for the waiver. The advantage with Allianz is that you will be covered from the time you leave home until you return. I expect that NCL covers you only during the cruise, not the land portion unless you booked it through NCL as well. The advantage of NCL is that it does have a Cancel For Any Reason provision. I don’t know that it makes sense to keep both policies. People buy third-party policies all the time. You are not obligated to have NCL insurance in order to be covered for cancellation. Just be sure you read the Allianz policy so that you understand what is covered. Be clear about the definition of a pre-existing condition and to whom it applies.

The only difference is that not all policies allow a pre-existing conditions waiver at final payment, however, there are some if that is a concern. CFAR is not available at that time. Purchasing at final payment allows you to postpone buying insurance until your money is at risk during the cancellation penalty period. Once purchased, the policy is nonrefundable after the 10-day examination period.