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Jt4428

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Posts posted by Jt4428

    First time as Diamond question

    in Royal Caribbean International

    Posted

    5 hours ago, meadowlander said:

    If you are asking about Cape Liberty, there is no special treatment for diamond. Boarding times are not enforced, not looked at in Bayonne. You will check in and be assigned to a seating area close to the escalators & elevator if the boarding process has not begun. Once it does begin, those sitting in row 1 board first followed by each row behind regardless of loyalty status, regardless of scheduled boarding time.

     

    There is an area for key, pinnacle & suite guests, They do get priority boarding.

    We went out of bayonne last week. Quickest boarding ever!

    • Like 2

    Insurance help please

    in Cruise/Travel Insurance

    Posted

    1 minute ago, Babr said:


     

    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.

    Yes I agree. No different from wealthy people who have high deductibles on homeowners insurance.

    Insurance help please

    in Cruise/Travel Insurance

    Posted

    1 minute ago, Babr said:


     

    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.

    Agree.

    Insurance help please

    in Cruise/Travel Insurance

    Posted

    6 minutes ago, Babr said:


    Of course. Those coverages are per trip, but it leaves you flying naked, so to speak, for cancellation. You have to be willing to accept the risk unless you want to buy a single trip comprehensive policy for the remaining trips. Sort of defeats the purpose, doesn’t it?

    Yes I agree. The people I work for  that I buy the annual Allianz policy for can afford to lose the trip fees. I buy it for them more for the medical and medical evacuation $'s. I filed a claim for our owner who fell on safari in Africa and needed to be airvac to Johannesburg for surgery. All medical and evacuation costs were paid through the claim. They even paid for a nurse to fly first class (they had first class tix) back to US with him since he was in his eighties. 

    • Like 1

    Insurance help please

    in Cruise/Travel Insurance

    Posted

    5 hours ago, Babr said:


    The cancellation benefit is per policy per year so yes one claim could deplete that amount leaving you with no coverage for the rest of the year, depending on benefit level you choose and the cost of your cruise. The maximum is $15,000 for Allianz.

    Yes that is true for the cancellation part of it but the medical and medical evacuation is still effective for each trip.

    Insurance help please

    in Cruise/Travel Insurance

    Posted

    3 hours ago, pcur said:

    What he ^^^^ said!  An annual policy covers you ANYWHERE you go over 100 miles (usually) from home, domestic and international.  It's a bargain. 

     

    My GeoBlue Trekker annual policy cost me $188 for 2023.  I have 3 trips to see family in Ann Arbor and 13 cruises in 2023.  

     

    BENEFIT OVERVIEW MATRIX
    Policy Maximums Insurer pays Per Covered Person
    $500,000 if the Covered Person is under age 70; and
    $100,000 if the Covered Person is age 70 through age 95
    Trip Period Maximum Medical Benefits
    $500,000 if the Covered Person is under age 70; and
    $100,000 if the Covered Person is age 70 through age 95
    Deductible
    Deductible is waived if services are provided by a GeoBlue contracted provider
    $200 per Covered Person per Period of Insurance
    First Level Payment
    The Insurer will pay 100% of the Reasonable Charges up to a maximum benefit as shown above per Period of Insurance
    Emergency Medical Transportation
    Deductible is not applicable. Maximum Benefit per Trip Period for all Evacuations up to $250,000
    Emergency Family Travel Arrangements
    Deductible is not applicable. Maximum Benefit per Trip Period up to $2,500 for the cost of one economy round-trip air fare ticket to, and the hotel accommodations in, the place of the Hospital Confinement for one (1) person
    Repatriation of Mortal Remains
    Deductible is not applicable. Maximum Benefit up to $15,000 Medical Benefit Limitations Insurer pays after the deductible, if applicable, subject to First Level Payment Percentage listed above
    Professional Services
    a. Surgery, anesthesia, in-hospital doctor visits, diagnostic X-ray and lab
    b. Office Visits: including X-rays and lab work billed by the attending physician.
    The Insurer will pay 100% of the Reasonable Charges up to the Period of Insurance Medical Benefit
    Inpatient Hospital Services
    a. Surgery, X-rays, In-hospital doctor visits
    b. In-patient medical emergency
    The Insurer will pay 100% of the Reasonable Charges up to the Period of Insurance Maximum Medical Benefit
    Ambulatory Surgical Center
    The Insurer will pay 100% of the Reasonable Charges up to the Period of Insurance Maximum Medical Benefit

    Ambulance Service (non-Medical Evacuation)
    100% up to $1,000 Maximum per Trip Period
    Benefits for claims resulting from downhill (alpine) skiing and scuba diving at a depth of 20 meters or less.
    Reasonable Charges limited to the Trip Period Maximum or $25,000, whichever is less. Limitations apply – see benefit description for specifics
    Outside the U.S. Outpatient prescription drugs
    100% of Reasonable Charges up to a maximum benefit of $2,500 per Trip Period
    Dental Care required due to an Injury
    100% of Reasonable Charges with a maximum benefit of $200 per Trip Period
    Dental Care for Relief of Pain
    100% of Reasonable Charges with a maximum benefit of $100 per Trip Period
    Physical and/or Occupational Therapy/Medicine, Including spinal manipulations and other specified therapies including acupuncture
    Maximum payment of $50 per visit and maximum of 6 visits per Trip Period

     

    Also, your credit card usually covers trip interruption, some cancellation, and lost/stolen luggage.

     

     

    (And, yes, I AM an insurance geek.  I worked for Blue Cross for 16 years.  I read insurance policies for fun.  I know:  weird.)

     

    Does this include any cancellation? I didn't see it but may have missed it.

    Insurance help please

    in Cruise/Travel Insurance

    Posted

    2 hours ago, Heatherco said:

    We are set to sail on October 5th and did not purchase insurance through Royal.  My question is if it is too late to purchase through a third party like Nationwide?

     

    Do not need to hear you should have bought it, etc..

     

    Simply asking if it can be still purchased.  Our only reason for buying it this time is due to Covid cases starting to rise.  The cruise was cheap and we are driving to the port so not the end of the world if we can’t get it, but figured it might be worth it.

     

    Thanks so much!

    You can sill buy it. Check insuremytrip.com and put in your information. You can compare policies and look at insurance company ratings.

    • Like 1
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