igraf Posted March 4, 2015 #26 Share Posted March 4, 2015 (edited) It is insurance. Like I said previously, the two single passengers are better off working out a single cancellation between themselves and saving the cost of the "protection". Either way, the full two-passenger fare will be paid to HAL. igraf Part of HAL's Platinum Policy covering the cancel for any reason is not insurance at all, but Trip Protection. That is why they do not call it insurance. Edited March 4, 2015 by igraf Link to comment Share on other sites More sharing options...
LindaM Posted March 4, 2015 #27 Share Posted March 4, 2015 Buyer beware? Read the fine print? As in anything one buys, you need to ask questions and make sure you know what you're buying. In my own experience in researching trip insurance, I have always been able to find a better policy (more and better coverage) for less money than what the cruise lines offer. HAL's platinum policy is extremely spendy; why would I buy it when, for less money, I can get refunded 100% of the cost of the trip rather than losing 10% to HAL and get a whole lot more coverage for other things to boot. I don't understand why anyone would buy it from HAL. YMMV. We buy it because you can pay for it at final payment. With other insurance, you have to pay for it soon after your initial deposit. If you are not totally sure about the trip, you will be out that money. I'm talking about cancel for any reason insurance. Link to comment Share on other sites More sharing options...
sapper1 Posted March 4, 2015 #28 Share Posted March 4, 2015 We buy it because you can pay for it at final payment. With other insurance, you have to pay for it soon after your initial deposit. If you are not totally sure about the trip, you will be out that money. I'm talking about cancel for any reason insurance. That has always been the case with us however I just happened to check some dates on my invoice for our April 2, 2016 cruise and saw that while the final payment date is January 3rd, 2016, the penalty phase for cancellations begins on Dec 4, 2015. The insurance would have to be bought prior to that date. Check your dates carefully so you don't get caught. Link to comment Share on other sites More sharing options...
LindaM Posted March 4, 2015 #29 Share Posted March 4, 2015 That has always been the case with us however I just happened to check some dates on my invoice for our April 2, 2016 cruise and saw that while the final payment date is January 3rd, 2016, the penalty phase for cancellations begins on Dec 4, 2015. The insurance would have to be bought prior to that date. Check your dates carefully so you don't get caught. Thanks...I never thought of that. I will have to check! Link to comment Share on other sites More sharing options...
sapper1 Posted March 4, 2015 #30 Share Posted March 4, 2015 Thanks...I never thought of that. I will have to check! I certainly will check from now on. I just discovered this by accident as I was checking the forms for something else entirely. Link to comment Share on other sites More sharing options...
RedmondCruiser Posted March 5, 2015 #31 Share Posted March 5, 2015 /Was in insurance for 32 years and always remember - "The big print giveth and the small print taketh away" Link to comment Share on other sites More sharing options...
sail7seas Posted March 5, 2015 #32 Share Posted March 5, 2015 That has always been the case with us however I just happened to check some dates on my invoice for our April 2, 2016 cruise and saw that while the final payment date is January 3rd, 2016, the penalty phase for cancellations begins on Dec 4, 2015. The insurance would have to be bought prior to that date. Check your dates carefully so you don't get caught. Very good point. Many people are not aware of this. Link to comment Share on other sites More sharing options...
lazey1 Posted March 5, 2015 #33 Share Posted March 5, 2015 /Was in insurance for 32 years and always remember - "The big print giveth and the small print taketh away" Where is the like button? I was taught that insurance is like DICE. The Declarations are what you tell the insurance company, the Insuring agreements tell you what is covered under the policy, the Conditions have to be met or the Exclusions apply. Link to comment Share on other sites More sharing options...
Recommended Posts
Please sign in to comment
You will be able to leave a comment after signing in
Sign In Now