Mickmmm

I don't have problem with trust, but I'd like them to have the ability to try to explain in layman language the official jargon. And yes it would help if their English is not too deformed. That's what booklet can't do.

Only my wife can use CC, I'm already 'over the hill!'!

Ha ha, so familliar to both my wife and I. And so much misunderstanding, luckilly some are hilarious !

our ship will call at Bali "for a few hours" I believe. But I can see there are more reasons to want an international cover. Tx to contributors:). I was not sure if it's ok to mention companies but it seems so. My excess I called weird was from Allianz. As for the clarity, I'm not sure it was for me. I am hard of hearing and Philipines and Indian accents with some agents do not make it easy to understand. Also the rigid and robotic manner to go through the products details, that I understand are compulsory to be read, can add difficulty to follow (if one has not fallen asleep in the process; Cruisers often belong to the third age, as it is called in French!

" My understanding is that international insurance is required for cruises, even 'domestic' ones. That was the case when we recently cruised up the Queensland coast and back". I think river cruises and perhaps some smaller ships going only port to port in Australia may qualify as 'domestic'

Oh, hello again and regarding the excess; I had lot of difficulty to understand what a company quoted me or explained to me. For me it was in regard to 'Pre-existing condition' additional cover. With the medical assement done I was given a choice of excess to choose from. It started with $200 and climbed up to $10,000. If I chose $200 it would have cost me $196 add on. But selecting $10,000 excess it was only $126! I asked the agent to clarify this as it seemed so disproportionate; it was hard to believe why one would elect to have a refund truncated by $10,000 only to save some $70! I wonder if anyone has encounter a similar situation

Hello, I just joined this forum searching for this topic. It’s interesting, to see how complicated is the understanding of ‘domestic’ and ‘international’ travel is interpreted. I read that the definition of international waters states they start 12 knots from the land coast. Australia's exclusive economic zone (EEZ) was declared on 1 August 1994 and extends from 12 to 200 nautical miles (22 to 370 km) from the coastline of Australia and its external territories, except where a maritime delimitation agreement exists with another state. And also the difficulty to understand some agents helping you to make a quote. But it seems that any ocean liners sail mainly on international waters. So even cruising on one of them around Australia becomes ‘international’ for the purpose of insurance… It would be so nice if companies agents could be clearer about it and to the point. Perhaps it is a too complex issue.