skrufy

For all you wonderful Cruise Critic members who made comments on my insurance claim problem, I want to thank you all.I was able to get a full refund from AON. Making it short, with all the caps in my life the last few months, I did not cancel the cruise with Carnival. After talking with them they sent me an e-mail cancelling the cruise. Then basically AON reopened the claim with the new documents and approved the claim tonight by e-mail. 

17 hours ago, Shock1998 said:

My husband and I are booked on Carnival Spirit in August 2023. We have always chosen late dining but I am now having second thoughts. We live in New Mexico and are on Mountain Standard time. Alaska time is two hours earlier. In choosing late dining at 8:15 I am now hesitant since that will actually be 10:15 at home and thats where our body clocks will be. Can anyone tell me if their 8:15 pm dining time is Alaska time or is it Seattle time as the home port. I am actually considering your time dining but will miss having the same waiters every night.

Thanks for any input and advice. 

Two times to Alaska . We have chosen YTD both times, we eat around 630-7pm and never had a problem of eating too late. We are in Illinois a couple of tome zones from Alaska.. 

2 minutes ago, EllieinNJ said:

I need to use one of those immersers (sp?) that go into a cup to boil water for a medical/dental problem.  Do I have to get permission from someone at Carnival before I cruise or just explain if they catch it while boarding?

If it’s banned they will confiscate it at boarding. I would want to know asap. Call Carnival. And make sure you get documentation from Carnival allowing it. A verbal ok to bring it on board won’t fly at the port. Good luck.

22 hours ago, wemjam said:

Mmmmmm mushrooms.  I loved their mushrooms.  I would just go get a spoonful to put on my plate as a side.

I also enjoyed the mushrooms as a side with one addition. I add the onions. Sooo good.

34 minutes ago, Caps_Shield said:

Thank you

44 minutes ago, Caps_Shield said:

I'm being told that the pier in Progresso is 4 miles long.  How in the world can that be?  I have never seen nor heard of a pier being 4 miles long.  You would think no one would get off.  A lot of people can't walk 4 miles.  It's like a freaking marathon just to get a shot glass??

The pier is really long, but not 4 miles

8 hours ago, wemjam said:

Just another example of Carnival's inconsistency in following their own protocol.  😁

 

The only thing we can be sure of is they will consistently be inconsistent. 

Agreed

 

1 minute ago, wemjam said:

Not always.  Last cruise I was on the called Diamond before Suite... just saying.  I was quite shocked myself.  Someone else commented on one of the recent threads same thing for them.

OK, I will give you that point. The four groups board first. Whatever order

It’s weddings,suites, diamond then platinum. Your boarding pass will have a zone number on it o but it’s meaningless. If you’re in any of these categories when boarding begins everyone will gather to board and then each category will board. 

44 minutes ago, Jersey42 said:

I put a link in post 51.  Again, this is a policy underwritten by Nationwide with some non-insurance benefits provided by Carnival.  Aon Affinity is the administrator for both parts of the plan.  The distinction may or may not matter in your case, but if you need to get your state insurance commission involved, they will usually not touch the non-insurance portion.

 

https://affinitytravelcert.com/document/pdfs/CCL_Landing.html

 

Scroll down to the bottom and select your state.  Then click on the Download button.

44 minutes ago, Jersey42 said:

I put a link in post 51.  Again, this is a policy underwritten by Nationwide with some non-insurance benefits provided by Carnival.  Aon Affinity is the administrator for both parts of the plan.  The distinction may or may not matter in your case, but if you need to get your state insurance commission involved, they will usually not touch the non-insurance portion.

 

https://affinitytravelcert.com/document/pdfs/CCL_Landing.html

 

Scroll down to the bottom and select your state.  Then click on the Download button.

Thanks jersey42, missed it while scrolling through the posts.

Can any of you guys tell me how to find the AON policy. I would like to see what it says.

7 hours ago, jclinard said:

It's worth noting that AON is NOT accredited with the Better Business Bureau.  That alone should make anybody nervous about buying a policy from them.

 

I'd run the math on CFAR before buying.  How much are you putting up, and if you have to use it, what do you really get back?  It's especially important because without it your losses are limited to the amount of pre-paid items (hotel, airfare, cruise, etc.).   In addition, I think you can't cancel within 48 hours, so with a last minute issue you're stuck with both having paid for the policy and for the non-refundable portions.  

 

Thanks, will keep it in mind

7 hours ago, jclinard said:

 

 

 

Mystery solved. Did some investigating. The insurance was not selected at time of booking, wether I did not select or my wife did not, we didn’t have it until we added it at time of final payment. I’m now positive I was considered a pre existing condition. Never make this mistake again, will purchase at booking. Most likely by a company that customizes your plan. Thank you all for your input.

12 minutes ago, 1kaper said:

 

did you see my post above? 
 

If you select the insurance it is added on to your deposit.  You can not opt in for the insurance without paying for it. So if you selected it, you paid for it. 
gratuities will be added on to the final payment cost but the cost of the insurance is added to your deposit. 

Thank you for your input, I am going to check on the info you gave me.

22 minutes ago, 1kaper said:

 

I'm confused. You said you selected the insurance when you booked which means you would have paid for it when you booked.  You said you were diagnosed long after you booked. 

 

Also - I'm in the same boat.  That is what happened to me.  Booked 3 cruises, one with Carnival and their insurance, and was diagnosed.  I was supposed to be going on one in 10 days but my surgery is scheduled for 12 days from now.  We ended up moving one to another time and will just cancel our Carnival one because we won't do two that close together. I haven't paid the full cost of the Carnival one yet, I am going to try to use the CFAR for our deposit though. 

Yes, when we book a cruise we select gratuities and insurance. But the feedback I am getting you must pay the insurance at time of booking.

28 minutes ago, Jersey42 said:

If indeed you booked and paid for the Carnival Protection Plan in advance of your symptoms/diagnosis AND you had nothing else that would meet the definition of pre-existing condition when you purchased the plan, please ignore my previous post.  You need to continue to pursue/fight with AON to at least get a reason for the small reimbursement.  If the denial is indeed accurate, they should still provide the CFAR benefit.

 

@skrufy You originally said you submitted a "medical claim".  I have assumed you submitted a "trip cancelation claim" for medical reasons.  If not, please explain and maybe you will get some additional advice.  Good luck.  

Yes, I filed a cancelation claim. I have learned a lot I think I was denied due to paying the for the insurance after my diagnoses. Expensive lesson learned. Thanks for your help. Will check for CFAR

Just now, mjkacmom said:

I think the issue is that the insurance wasn’t actually purchased until final payment, after the diagnosis. I believe if you canceled your cruise before final payment the insurance wouldn’t have been purchased.

I’m leaning towards a pre existing condition now. Waiting for AON to confirm this. Have learned a lot about travel insurance in the last few days. Next cruise we will shop around and buy a policy that covers all our needs. This was an expensive lesson to learn.

46 minutes ago, happy cruzer said:

Found this link to a form to submit; hope it is current.

 

https://www.carnival.com/request-forms/reimbursement-form.aspx

Thanks for the link, happy cruzer

2 minutes ago, skrufy said:

Can you tell me how CFAR works. Do I contact someone? Paid at final payment time. 

My understanding is AON provides the CFAR policy

1 hour ago, happy cruzer said:

Yes, the 5 day denial is strange.  When did you actually pay for the insurance?  At the early time of deposit or at final payment?  If you paid the insurance premium at final, perhaps they are saying that you are claiming a pre-existing condition.  But hopefully CFAR will still provide you some coverage.  Please let us know how this plays out, and hope you get a good result.

Can you tell me how CFAR works. Do I contact someone? Paid at final payment time. 

6 hours ago, jimbo5544 said:

First off, hope your health improves.  My post was when ther eis so little information listed, the only determination anyone could see was you were venting (which is fine).  Insurance is something you purchase hoping never to use.  And their reason for denial was?

Thanks for the kind words jimbo regarding my health. It’s been a long three months but I’m eating there

6 hours ago, jimbo5544 said:

First off, hope your health improves.  My post was when ther eis so little information listed, the only determination anyone could see was you were venting (which is fine).  Insurance is something you purchase hoping never to use.  And their reason for denial was?

Actually jimbo the thing that bothers me most is there’s no explanation given to me by AON with the decision. 

8 hours ago, klfrodo said:

No, any cruise lines insurance thru AON has a lot to be desired. There are a couple of benefits to the cruise line insurance, but more downsides in my opinion.

 

Yes 99.9% have to wait. There is a backlog of claims for every travel insurance company, not only AON. And if you read reviews, 99% of them will be negative. Why is that? Happy customers don't write reviews. Why are 99% of the reviews unhappy? 99% of them didn't file for a "Covered" claim.

 

I'm willing to bet that's what happened here. I'm not saying there wasn't a medical event. I'm betting, either the claim wasn't filed properly, or that what was claimed was not a covered event.

Wanna bet. The claim was filed properly, my claim was supposed to have been covered. Have not gotten an explanation from AON yet. I won’t rule out what you have suggested happened

1 hour ago, calbred01 said:

Hope you are doing well now!

1 hour ago, calbred01 said:

Hope you are doing well now!

Thank you for the kind words. Doing well, hard to get around and some imitating pain. 

1 minute ago, klfrodo said:

5 days 🫣

That is amazingly fast even in the good times.     Something is off kilter. I too would be doing some additional research.

1 minute ago, klfrodo said:

5 days 🫣

That is amazingly fast even in the good times.     Something is off kilter. I too would be doing some additional research.

Yes, something is not right

24 minutes ago, happy cruzer said:

So it seems to be a travel cancellation claim for medical reasons.  Did you have documentation from a doctor stating that you should not travel?  There has been a report in the past where someone cancelled with a broken leg but the doctor would not state they could not travel and the refund claim (not CFAR) was denied.  The person filing the claim thought it was very obvious that they would not enjoy the trip plus would entail extra efforts and pain.

 

also remember that claims with any insurance take a long time and often go back and forth.  Keep all documentation.  Not they way it should work but the way it is with all insurance in general.  Our recent claim took 4 months.

 

 

Yes had doctor state that I should not travel. My claim was closed 5 days after filing. Before I do anything I must find out why my claim was basically denied