mbglib

Check out World NOMADS travel insurance. I have taken 12 cruises and always obtain their policy which covers you for your entire trip, not just the cruise. I submitted one claim with the required documentation and it was paid in a timely manner without question.

Thank you.

There is Chase Sapphire Reserve and Chase Sapphire Preferred. I believe only Reserve includes the medical and evacuation coverage. It has a $450 per year annual fee (but your first $300 in travel charges per year are rebated so net $150). If your card does not have a $450 per year annual fee, you do not have Reserve and therefore, I think do not have the medical and evacuation coverages.

 

 

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The Reserve only has $2500 in medical. :-(

CC has a travel insurance board. Some of your concerns are covered in several of the threads on that board. The link is below.

 

http://boards.cruisecritic.com/forumdisplay.php?f=635

Thank you. I hadn't noticed this board before.

Sounds like the standard though the duration of the lookback period varies from insurer to insurer. The one caveat in the description above regards the prescription drugs. If there is a change in medication type and/or dosage, that may be considered "treatment."

 

Also, with credit card insurance, the coverage has maximum dollar allowances and is limited to elements of your trip that are not refundable AND we're purchased with the card. Note that with some cards, you can split expenses across multiple cards of the same company (e.g., you and spouse have different account numbers) and this will effectively double the coverage limit. Even then, you may find the coverage limits insufficient to completely cover "big ticket" cruises.

 

 

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Thank you.

You may want to read the fine print regarding that credit card coverage. All but a very few cards have no waivers of pre-existing conditions, which would then limit your ability to make claims for trip cancellation or interruption associated with that issue. Remember that a preexisting condition is one that first appears or modifies existing treatment for chronic problems during the "look back" period of X months prior to a date related to the insurer's requirements for policy purchase.

 

 

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Here is what it says about pre-existing conditions: Pre-Existing Condition – illness, disease or Accidental injury of you,your Traveling Companion, your Immediate Family Member or theImmediate Family Member of the Traveling Companion, for whichmedical advice, diagnosis, care or treatment was recommended orreceived within the 60-day period immediately prior to the purchaseof a Covered Trip. The taking of prescription drugs or medicationfor a controlled condition throughout this 60-day period will not beconsidered to be a treatment of illness or disease.

Seems pretty liberal to me as long as I haven't been treated within the last 60 days. What do you think?

You may want to read the fine print regarding that credit card coverage. All but a very few cards have no waivers of pre-existing conditions, which would then limit your ability to make claims for trip cancellation or interruption associated with that issue. Remember that a preexisting condition is one that first appears or modifies existing treatment for chronic problems during the "look back" period of X months prior to a date related to the insurer's requirements for policy purchase.

 

 

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Great idea. On most policies I have seen, the explanations for pre-existing conditions are (intentionally ?) vague. Thank you.

Thank you. That makes sense, Hlitner. Out of 21 cruises, I have been on one that had a helicopter evacuation.

jlp20, Yes, I should probably call the provider just to ease my mind as well.

Anyone, I have a credit card that has evacuation insurance, but not enough medical insurance, in my opinion. Do you know of any insurance that insures for only the medical part? Thank you

Yes Chase Sapphire Reserve offers a 100k evac (sorry if not clear but was unsure of posting rules regarding this).

It is a 10,000 travel cancellation insurance but I not very focused on this since with frequent flier air and hotel we rarely come close to this amount on our cruises.

 

Medical was through my company and I learned they had evac as part of this also.

 

That said my point was that insurance was critical but sometimes adequate coverage is out there for no cost and also that cruisers need to be focused on what is important to them. ie a cruise policy might be very expensive and cover things like cancellation for any reason but be sorely deficient on coverage for medical or evacuation.

Thank you for the clarification. Do you know of any way to buy only medical insurance for the cruise or annually? All other aspects of the CSR seem satisfactory. Have you read that the evacuation must be coordinated by an agent of the insurance? I have looked more closely and have found this the case in almost all evacuation policies. Have you ever known anyone who was evacuated and how this worked? Thank you.

There are two types of insurance for travel. One is for health and injury - which is what we carry as an annual policy for the reason that you state above. The other is for travel interruption - which is what the OP is referring to. We do not buy that one because we cruise soooo much that the cost for our 200+ cruises would be way more than the loss of one cruise. Of course, everybody has a different history and future, thus different choices to make regarding insurance.

Do you have a recommendation for an annual policy for health and injury? Thank you.

Hello, I have been examining insurance evacuation policies and all I have read require that the evacuation be arranged by their "agent". If you were evacuated, how did this work? Thank you.

I think he means Chase Sapphire Reserve (Reserve, not Prefered which does not have the same included protections) although the last I knew, cancellation coverage was limited to $10,000, not $12,000.

 

 

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That is what I supposed. I have this card too, but the medical coverage is not enough in my opinion. The original poster did say he had medical coverage elsewhere. Thank you.

Great points on the need for having insurance. Unfortunately I believe many (excluding the informed pax who follow this board) do not understand the different types of insurance. Clearly medical and evac are critical but one also needs to be aware of policy limitations (some of the cruise line policies have woefully low caps for evac) and exclusions for injuries derived from what many might feel are 'typical' activities (various water sports).

 

Many credit cards do cover trip cancellation so this may not be a need and focus can be made on more critical medical and evac coverage.

 

After many years of cruising and buying different policies we have found that coverage through my employer medical and 'included' coverage of 100,000 evac and 12,000 trip cancellation through a CReserve card offer reasonable protection.

 

Happy Cruising and Holidays.

What is a CReserve card?

I was on this cruise as well. I was excited to visit three islands I had never visited: Curacao, Martinique, and Grenada. I enjoyed the first two, but not so much Grenada. I do think if I ever visit Grenada again, I will be sure to take an organized tour as this time we just walked to the fort and were dismayed when walking back at the lack of sidewalks and the danger that presented on the narrow streets.

I loved the ship!

We were given a dinner for two to a specialty restaurant for our anniversary on the Royal last week. We chose the Crown Grill and rib eye steaks. This was a big mistake as the steaks were not good (tough and so, so greasy), the room was too hot, and the server continually acted like he was mad at me for not finishing my awful steak which made me very uncomfortable. We were also seated right next to another couple and even though they were quite nice, it still was hardly the "romantic" dinner we were anticipating. I did appreciate getting the meals for free, but tend to think we would have enjoyed the dining room better. Also, the desserts were no better than those offered in the dining room.

We are on the Royal December 10 and they switched port for our cruise.

 

Looked at private tours that are available and surprised how expensive they are for the Caribbean and suspect ship tours will be much higher.

 

I am sure Princess will be posting ship tours shortly

Which port was that?

Wonderful information. Thank you for posting it.

I have not been on this ship, but on the other Carnival cruises I have taken, I would find an instruction sheet for ordering the Internet package in my stateroom - usually on the bed. I was able to complete the purchase through my onboard account on the tv. Hopefully, yours will work in the same way.

I have really enjoyed your excellent review and especially all the pictures. We did this cruise in May and will be doing B2B Journey cruises on the Dream in January, so we will get to revisit some of the lovely ports.

Thank you for taking the time to write this.

On our Splendor cruise in September at our first meal on the Lido, I saw one of the workers with a Fun Times and asked him where to get one. He told me where I could get one. After a while and much to my surprise, he brought one to me at my table. He had made the effort to go and get one. It was a small gesture, but much appreciated.

49 days until we leave on a 21 day B2B Journeys Cruise out of New Orleans on the Dream. Both legs are sold out already!

We were on one cruise (Carnival Dream, Feb. 2014...I think) where they offered double OBC to book onboard. We didn't take advantage unfortunately. I would surely love to see that again! Has anyone else ever heard of this?

Scottssweetie, we plan to use Citi Thank You Points on our next cruise; therefore, I called their customer service line to ask if I could transfer the booking to them. They told me I could as long as I did so immediately after I got home. I don't know if Hilton HHonors would work the same way or not, but it probably wouldn't hurt to call.

Lisa

Hello, I have seen reference to booking shows on some Norwegian ships. Do I need to do this on the Star? I have looked online to book and there seems to be no way to do this online.

Also, for CCL cruisers, if you have used Carnival's Funville where one can set up his on forum and post for free while onboard and family members at home can reply, can you tell me if there is anything similar on the Star?

Thank you!