Gilford57

Coverage is the same. The only difference is a network provider will direct bill GeoBlue. In most cases, with any other provider you will have to pay the bill and file a claim for reimbursement. Unfortunately, in most cases people will not end up being treated by a network provider. By the way, with an annual GeoBlue "Trekker" plan, in addition to direct billing, the deductible is waived when you use a network provider. There is no deductible with the single trip Voyageur Choice plan.

If you don't book the travel through Costco, is it a different policy? I have found older threads that say there are differences but there is no follow up. For example do both policies include 50% CFAR? Are premiums for both policies not dependent on age? Is there a link available to a sample policy for both situations?

Can you provide more info on the small fee for the extensive medical coverage. A link would be helpful, I know the standard American Express Platinum available to US residents offers no medical coverage, although it does offer some medical transportation.

Then you are not looking in the right places. I would take @Hlitner's advice for finding a good TA.

I booked a guarantee and last week Celebrity assigned me a cabin. My luggage tags (and e-docs) still reflect no cabin assignment. Will Celebrity eventually update the tags with the cabin number? Cruise is still two weeks away.

You would have to talk to to your specific BCBS company about your plan. There are 34 different locally owned and independently operated companies in the US that have licensed the BCBS name. So they all work differently. Your answer will depend on your specific company and often the specific plan you have.

I don't know why you continue to post false or misleading information about testing, ArriveCAN and related topics. If Canada had not made the recent changes, @Linsifer would have been impacted. The good news is as of October 1st, none of it matters for fully vaccinated passengers.

Thanks for the thought, but I already took that route. That's one of the reasons I was looking at the HAL plan. I'm way too late for the third party CFAR plans offered by Trip Insurance Store and one of their major competitors. With HAL, you can purchase at final payment. If I was eligible, the third party plans would cover the single supplement, but they cost more and offer only a 75% refund. It does not matter, because I am way past the initial deposit date.

I called HAL and this time got another rep who completely understood my question. Unfortunately, I did not get the answer I was hoping for. She said: The person canceling will get 90% of their cruise fare back. The other person will be assessed a single supplement (double the cruise fare, but only one taxes/fees). The Platinum plan will not cover the second person's single supplement. So in my specific situation, the plan does not make sense.

I tried AON and got through to a rep fairly quickly. She clearly did not understand the policy and did not know the answer. She then spoke with her supervisor and got back to me. Bottom line, I need to call HAL as AON does not deal with trip cancellation claims. I asked the question here because when I originally called HAL, they could not give me an answer. I was hoping someone on cruise critic had seen this before. I will try calling HAL again again. Maybe I will get a more knowledgeable HAL rep.

I stumbled upon this thread while trying to find an answer to a related question. Trip cancellation for HAL's platinum plan is 90% cash back. There are no "covered reasons" and all cancellation claims are treated as Cancel For Any Reason. The good news is you get cash back, and as long as you cancel before you start your trip, you are covered. The bad news is you will never get 100% back, no matter the reason.

What happens if there are two people in a cabin and one person cancels? Assume both travelers purchased HAL's Platinum Protection plan. The one who cancels (traveler A) should get a 90% refund of their cruise fare. But will the other person (traveler B) be charged a single supplement? If so, will the Platinum Plan cover the single supplement for traveler B? I don't see anything in the plan document that addresses the single supplement. I have searched and found another thread that addresses the situation when insurance was not purchased. The consensus is for traveler A to not cancel, just be a no show. Then no single supplement will be charged and traveler A's taxes and fees might even be refunded. I am trying to figure out if it is worth purchasing the HAL plan, if the sole purpose is to cover this situation.