klfrodo

Let's see if we can get Hank in on this. He has experience. Calling @Hlitner to the white courtesy phone

This comment is not meant to imply any disrespect, but from the questions, I'm assuming that travel insurance is not your lane of expertise. Your questions are indicative of the complications that is Travel Insurance. I would highly recommend that you call a broker like InsureMyTrip and actually speak to someone who can answer your questions and guide you to the correct policy that works best for you and your circumstances. InsureMyTrip is a reputable company. However, me and many others highly recommend Get the Best Trip Insurance Details, Advice (tripinsurancestore.com), but call them at 888-407-3854. Why do we recommend them? Reputation mostly but also because they are always there for you the client. And if something goes FUBAR, they will help get you in the right direction and even help if needed when it comes to claim time. Neither of these companies cost you any money for their services. Like a travel agent, they earn a commission.

Question 1) How much medical? Myself? I'm more comfortable with $100K but your financial situation may be different. What's more important to me though is that I choose a policy that is "Primary". Which means that I only have to file a claim with the travel insurance company. If secondary, then you must file with whomever else you get medical insurance from even if you know it will be declined for whatever reason, you must include the declination when you are finally able to file a claim with the travel insurance. Question 2) Does it matter when you booked the cruise? Yes, If the policy includes such things as a waiver for pre-existing medical conditions or a rider for Cancel For Any Reason, these things have time limits such that you must purchase the policy within X number of days of initial booking.

Here's the cruise critic insurance board Cruise/Travel Insurance - Cruise Critic Community My preferred vendor of choice for my travel insurance needs is a broker (kind of like a TA but can guide you to an insurance plan that fits your needs AND will help if you need help when filing a claim) Get the Best Trip Insurance Details, Advice (tripinsurancestore.com)

Calling Carnival will do no good. All they do is sell the insurance. Asking us probably won't do any good cause we don't validate the claim. Your best bet would be to call AON. Having expressed all those disclaimers, I'm thinking you're covered as a family. Also, since the insurance you bought includes the Cancel For Any Reason rider, you can cancel the entire trip up to scheduled sailing time and receive a 75% credit towards a future cruise if worse comes to worse.

Do we know beyond a shadow of a doubt that there are “victims”? Maybe in the end, the accused are the true victims.

With the inconsistencies that is now coming out especially with the security videos isn’t even possible that Stella was getting her groove back and got scared. Not like it never happened before. Why are the initial reports taken as gospel? Should people wait for the whole story to come out before condemning the resort and the workers?

Nickle & Diming has been a hot topic for cruise lines on Cruise Critic since my first cruise on the Carnival Fantasy in July of 2000

What criteria leads to an insurance company doing this? I can’t imagine they would do this for something like minor stitches. Is there like a dollar amount that the care facility is requiring?

That was for the month of January. They probably won't be back. But Steve from TripInsuranceStore might help. He's on here all the time. @iamtrustworthy, Maybe you can help runner out.

What site are you talking about? But just to help in any little way I can, Yes, there are some travel insurance companies out there that will assist in advance payments. You might want to reach out and call whichever broker you were addressing this question to. I think a great question would be; What criteria is required to be met for a travel insurance company to decide to provide an upfront payment?

If you're into that other social media group (FB) you might want to search the groups for your sailing. They usually have much more activity that this sites roll calls. CC roll calls used to be the crown jewels for gatherings but CC hasn't stayed up with the rapid and everchanging landscape in the technology or demographic world..

Can't recommend enough ItalyTours.EU

Considering the staff is International, I would imagine that a large percentage don't celebrate Christmas.

Could you imagine how that board would be abused by TA's and others trying to recruit people into their "Group" just for the group leader benefits? Goup tours and group slot pulls are bad enough.

Do you wear glasses? and are you anything other than caucasian? There are studies out there that speak of facial recognition and people of color.

You're right. (or, the DOB is in the screen name.) But thousands of people also play those games on FB and other social media sites like X, Threads, etc. With their friends that give away a lot of personal information that appear to be innocuous at first. Games where you get 1 point for something you've done, or a point for some place you've visited, your first car and the list goes on. By playing those games, you are giving away the answers to your security questions

I wouldn't limit it to country per se, It's the world we live in. To think that con men didn't exist before would just be a bit naive. The internet has just made it easier. Con men of the past just had to work up close and personal.

I just went thru someone's posts. In less than 5 minutes, I determined their name, their birthdate, their current age, when they retired, where they were born, their profession when they retired, their current city and state of residence, and what cruise/ship they are taking next year in 2025. That was in 5 minutes. Imagine if I were smart and/or a criminal. I would add that in the information found, I could probably gather enough information to answer some security questions that would allow me to change passwords to maybe their banking or credit cards.

I believe it would be possible to scroll through a poster's history of posts on Cruise Critic and gather enough personal information to make an educated guess as to when they will be on a cruise, what cabin they're staying in, what dates they will be gone, their hometown, possible where they work, etc. and a lot more personal information. However, it would take a lot of man hours for such little return on the investment.

I want to say thank you and job well done. The last time InsureMyTrip was given this opportunity, they allowed the questions to build for 30 days, then in one day, they came back and cut & pasted generic answers to some of the questions and never followed up. You, on the other hand, took the time to frequent this board and provide good answers to the best of your ability and even followed up. I believe you met the expectations of the Cruise Critic community.

Flying in the day before is sensible. Speaking for myself, when I cruise out of Europe, I fly in 3 days or more pre-cruise. One reason is I want some time to be a tourist, another is because my body needs time to acclimate to the new time zone and weather. Would insurance cover if you missed the "ship" due to flight delays? I can't speak on UK travel insurance, but for US insurance? Maybe/Maybe Not. For US based insurance your travel plans interruption needs to cause you to miss more than 50% of the trip "I believe". Also if the flight delay was caused by a "named" storm, it would not cover. You should probably run your scenario by the people you purchased your insurance from and see what they have to say. And, since we're so litigious over here, we would recommend you get that information in writing, maybe a recording, or at a minimum, write down the name, date and time of when you spoke to them.

I get mine from my local Triple AAA since I bank at a Credit Union. However, from my recent experience of 8 days in England, 36 hours in France, then a 12 day cruise to the Canaries, don’t get more than a couple hundred euros. All of my spending was electronic either via credit card or Apple Pay. Cash is going the way of the dodo bird.

I'm going with Darwins theory. Now, if I can be safely assisted, then I'll accept it. If saving me is going to put anyone else in potential jeopardy??? Take care of yourself first and foremost. It may be coldhearted, but I accept that only the fittest survive.

My strategy? Finding the price I'm willing to pay. Plunk down the old credit card and never look back.