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Insurance on Carnival


Emma Girl
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I recommend that you consider Carnival Insurance and also consider the many other plans available.

 

For me I often find plans that are more comprehensive then those of the cruise line and at a lower cost.

 

The devil is in the details so I never rule anything in or out until I consider all options.

 

A great source to look at other plans is http://www.insuremytrip.com but there are other sites as well.

 

Keith

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The only time I think about insurance is when my 89 yr old mother is traveling with us.

 

Insurance covers a myriad of situations. Classic situation, Mexican cruise and you fall ill. Ship doctor says its appendicitis. Next stop is Mazatlan in the morning. Doctor informs Captain your a health risk and your ordered off the ship. Security unceremoniously escorts you off the ship with all your belongings. It is now up to you to get to doctor/hospital for treatment. By the way, your American medical insurance is no good outside the US. Once your discharged, you have to pay your own way home.

 

14 planed cruises, had to use insurance once. Hospitalized the day before trip. 100% reimbursed.

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Insurance covers a myriad of situations. Classic situation, Mexican cruise and you fall ill. Ship doctor says its appendicitis. Next stop is Mazatlan in the morning. Doctor informs Captain your a health risk and your ordered off the ship. Security unceremoniously escorts you off the ship with all your belongings. It is now up to you to get to doctor/hospital for treatment. By the way, your American medical insurance is no good outside the US. Once your discharged, you have to pay your own way home.

 

14 planed cruises, had to use insurance once. Hospitalized the day before trip. 100% reimbursed.

 

I would frame the scenario a bit differently. Appendicitis is a life threatening condition that requires major surgery, for which no ship's medical department is equipped. In order to save the patient's life the ship will arrange for an ambulance to meet at the dock and evacuate the patient to a local hospital. If far out to sea, the ship will arrange for a rescue helicopter/air ambulance. It's not as though the patient is unceremoniously tossed off the ship.

 

Some American medical plans cover treatment outside the U.S., others do not. It is the responsibility of the cruiser to know and understand the limitations of his primary medical coverage. Moving on to the medical coverage offered as part of a travel insurance package, it is again the responsibility of the cruiser to know the limitations of coverage and make an informed choice. Of course the total costs of medical care are the responsibility of the cruiser. Of course the cost of returning home or to a preferred hospital are the responsibility of the cruiser. It is wise to have coverage that will reimburse those potentially very high expenses.

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