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JUST4JENNA

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Posts posted by JUST4JENNA

  1. I literally stumbled across the $50 deal on Monday while searching last minute cruises. It was for the 14 night Journey cruise to Southern Caribbean on The Legend leaving on Sunday. The total for 2 with taxes /port fees was $457 with a $100 OBC!!  I felt like I hit  the lottery!  They assigned us an interior cabin on deck 7 midship. I’m THRILLED 

    • Like 4
  2. 2 hours ago, philpcruiser said:

    And (sadly) these shows have been running on the Summit for over 8 years now.  Time to swap a new one or two in.

    Yes but Broadway  Cabaret is different every time. Different cast, different songs etc I always enjoy it !  
    I also enjoyed brand new shows on the Edge Class ships.

    • Like 1
  3. 46 minutes ago, klfrodo said:

    GeoBlue does have a network of medical facilities worldwide that will direct pay. The downside to that is if you are in an emergent situation will you or someone with you know which facility does or does not have a direct pay agreement with GeoBlue?

     

    There are policies out there that will wire a payment if the amount is too large for your credit limit for you to pay directly. What is that limit and what are the terms in which they loan the money to you? I don't know.

     

    Thats one of the reasons why I use a broker such as Steve at TripInsuranceStore.com

     

    What companies have you used through Steve and have you ever had to file a claim? Thanks for the info again 🙂

  4. 50 minutes ago, klfrodo said:

    When I was working prior to retirement, I had BC/BS which included an International rider for coverage outside the US. When I called HR for more information, they were useless. I ended up calling BC/BS on my own and asked very specific questions.

     

    1. Do you cover health emergencies outside the US? Yes (at Out of Network rates)

    2. Do you pay directly? No (I must pay and then file for reimbursement)

    3. If I don't have access to that amount of credit or cash, will BC/BS offer a letter of ability to pay or offer to wire a payment? No

    4. After I've been stabilized, will BC/BS evac me back home? No

    5. If I happen to die, will BC/BS pay to repatriate my remains? No

     

    After my discussion with HR and BC/BS, I determined that it would be in my best interest to supplement my travels with a medical policy that fits my needs.

    Wow THIS is so helpful!!!! Now it’s making sense to me to purchase another policy!

    Thank you!

    one question though.. are there companies who will pay rather then reimburse you after out of pocket payment?  

  5. 44 minutes ago, Jersey42 said:

    If that is the way it came across, I apologize because that was not my intent.

     

    I do not recommend a comprehensive annual travel insurance plan for the majority of people.  The biggest faults I have with these plans are limitations in their medical coverage. Too little is my biggest issue, but secondary vs primary, and handling of pre-existing conditions can be a concern. But if you already have good medical coverage outside of the US, then the limitations won't matter.

     

    Another concern is the limited annual cancelation and interruption benefit.  15K/year is the most I have seen, and the average is a lot less.  But if you tend to take a lot of relatively inexpensive trips, this limitation may not matter to you either.

     

    So the only way I would consider an annual comprehensive travel plan is if:

    • you already have good medical coverage outside of the US, and
    • you tend to take a lot of relatively inexpensive trips (even if the total cost of the trips exceed the annual maximum benefit)

    Thank you for clarifying! I’m just so confused.  I never purchased insurance in the past but now that we are in our 50s it’s been something we’ve been thinking  about. We are both pretty healthy with no underlying conditions. Our insurance through employer says we would be covered for emergencies/medical evacuation on a case by case basis. We are not concerned about loss of trip cost as we do travel a lot but as you said most of our trips are inexpensive. The medical is out only  concern. So not sure if we should purchase a plan on top of our primary insurance  for extra protection as “covered on a case by case basis has me wondering what that means exactly. If I fell and broke my leg on the ship, would that not be considered a medical emergency? The agent at Aetna could not give.me an answer 🤦🏻‍♀️

  6. On 3/28/2023 at 6:45 PM, Jersey42 said:

    You might want to see my post on the recent thread linked below.  

     

    My conclusion to the OP was "If you take a lot of relatively inexpensive trips, have no pre-existing conditions and have good medical coverage outside of the US (even with a big annual deductible), you can find an annual travel insurance policy that will probably offer everything you need at a good value.  If not, then you need to weigh any negatives with your risk tolerance.".

     

    Just be sure you understand the terms and conditions of any policy you purchase and how they fit your situation. None of the annual comprehensive travel plans plans work for us, but for others with different needs, they can be a good value.

     

    Can you please explain why you suggest an annual travel plan if you already have good coverage out of the US? Thank you 

  7. 16 minutes ago, NutsAboutGolf said:

     

    Thanks and that's more in line of what I originally thought.  Total BS although I HOPE it's just too new that most reps haven't seen it before and do not know how to book it

    It’s just so wrong to be that misleading. As I mentioned, I spoke with 2 diff reps who both confirmed the 10% comes off the cruise fare but if you want the “All included”  they quote you the much higher fare for the extras. Absolutely ridiculous 🙄

    • Like 1
  8. 31 minutes ago, NutsAboutGolf said:

    Got it, I meant I HAVEN'T seen the offers wording.  IMO it's defiantly ambiguous but not as bad as I originally thought...They should add "fare" to the very end

    Here it is.. I just don’t see how this can be perceived any other way then how I perceived it lol  10% off the cruise fare and perks included 93B7A0D9-D87D-4D17-BE14-80B46FF53CB2.thumb.png.13a268affba163f06284e0c66af138e0.png

  9. 36 minutes ago, NutsAboutGolf said:


    perhaps call back and you’ll get another rep?  I have seen the offer but it could just be that it’s the reps first time 

    I did try and got the same answer with another rep. To say “10% off cruise with all included” thrn charge for the perks is definitely not what the offer leads you to believe. 😞

    • Like 1
  10. On 11/23/2019 at 11:13 AM, daydreamer16 said:

    We did this cruise a couple of years ago with the Summit departing San Juan at the end of April. We had great weather the whole cruise. Bermuda was perfect! Hope this helps!

    Thanks!  So it was warm sailing back to New Jersey?  This cruise is San juan to the Caribbean and the last 3 days are sea days back to New Jersey. Im thinking if there are any cooler days it would only be the last one? Does anyone know the location of ship on the last sea day back to NEW Jersey? If its in the Florida area then I think we would be fine.

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