NCL Insurance

If we purchase trip insurance through NCL and one of us gets sick while on the ship, are we still responsible to pay out-of-pocket and submit forms for reimbursement? Also, we are Canadian, would Blue Cross be better than what NCL offers? We are trying to figure out if there is an insurance provider that pays on your behalf, or if all companies make you pay up front and then reimburse you afterwards. My apologies..........I have read so many threads but many are American so not sure if those websites are used by Canadians as well to purchase insurance. We do have coverage through work, but not sure if it is enough or what kind of hassles we will get if we have to put in a claim. Also, if we purchase through NCL, do we have to tell them the same time as when we book? We are planning to book a trip this Thursday on the Escape out of New York for October 2018.

If we purchase trip insurance through NCL and one of us gets sick while on the ship, are we still responsible to pay out-of-pocket and submit forms for reimbursement? Also, we are Canadian, would Blue Cross be better than what NCL offers? We are trying to figure out if there is an insurance provider that pays on your behalf, or if all companies make you pay up front and then reimburse you afterwards. My apologies..........I have read so many threads but many are American so not sure if those websites are used by Canadians as well to purchase insurance. We do have coverage through work, but not sure if it is enough or what kind of hassles we will get if we have to put in a claim. Also, if we purchase through NCL, do we have to tell them the same time as when we book? We are planning to book a trip this Thursday on the Escape out of New York for October 2018.

If there is time to edit your subject title, you might want to add "Canadian", so you get feedback from those more likely to know.

GC

Try posting this on the NCL Board since you are talking about NCL Insurance.

If you are using a TA see if they can get details for you as well.

Keith