A warning to those of you cancer warriors (and/or survivors) out there. Let my story be a lesson for you:
I have been under treatment for multiple myeloma (a cancer of the blood) since 2018. I've gone through chemo, a stem cell transplant, weekly infusions, shots, pills, you name it. Since my diagnosis in '18, we've cruised six times on NCL (always buying NCL's offered travel "insurance"). I scheduled cruises around all my chemo dates and doctor appointments, travelled even when I was bald. Last fall I traveled with over 150 pills for my ongoing treatment. Not easy but I am a fighter!
Way back in August 2021, I booked an NCL cruise for April 2023 and bought their "insurance". Like I said, I have been treated continuously for my cancer since 2018. It's just the nature of dealing with this disease. When one treatment failed, my doctor would then put me on another protocol. In January 2023, my fourth line of treatment stopped working and my next course of action was to join a medical trial at Mayo to try a new drug. This entailed harvesting my T-cells, genetically modifying them to fight the cancer, then putting those modified T-cells back into my body while staying in the hospital for 12 days in April. Goodbye cruise, hello Mayo.
I cancelled our April cruise in January (89 days before sailing) and NCL of course penalized me 75% of the fare. No surprise. I then filed with Aon Affinity, the administrative company that handles NCL claims. After sending piles of medical records, waiting for weeks, Aon denied my medical claim saying I had a "pre-existing condition". Let me tell everybody out there how NCL's "Insurance" works. I purchased the insurance in August 2021. However, my policy did not become effective until December 23, 2022 -- the date when final payment is due. The policy looks back 60 days prior to the effective date (October 25, 2022 through December 23, 2022) and claims that I was treated for cancer during that time and that's a pre-existing condition. BUT WAIT! The NCL "insurance" policy clearly states the definition of pre-existing condition "... does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the Effective Date of Your Certificate." (emphasis added)
All these years of buying the NCL "insurance", I thought that if I was being treated for my cancer, then Aon could not deny a claim due to a pre-existing condition since I was ALWAYS being treated for my cancer. Silly me.
I appealed their denial in late July. Today I got back a denial of my appeal. Oh brother. What a royal pain! Of course Aon tells me I can get 75% of what I lost back under the "Cancel for any reason" as a Future Cruise Credit. Part of me says just give up and take the darn FCC. Another part of me - the warrior I suppose -- says fight the appeal denial and file another appeal. I think I have a strong case. I'm ready to go to the consumer advocates here.
I just had to put this out to the Cruise Critic forum. I imagine other people have perhaps hit this "insurance" denial as well for cancer. Thanks for listening, and if anyone has some words of advice, let me know.
Now, for the rest of the story -- as Paul Harvey used to say. The most important lesson? The medical trial I am in was a huge success for me and I am now in complete remission. It's truly a miracle and every day is a gift!
Katie