Must cancel cruise leaving tomorrow , no insurance

[RocketMan275]

We are talking here about holiday insurance cover, which to my mind is not the same as health care. An annual worldwide travel insurance policy [which includes medical insurance] costs me less than $200. A single trip policy would cost less. I do not think this is a significant expense.

 

Of course it isn't the same but the reasons people choose not to buy travel insurance are the same reasons people choose not to buy health insurance. Whether you or I believe these are significant expenses is not relevant. Others have different priorities.

 

Cruises can be very expensive to some depending upon income level, etc. Some see that buying insurance is a trade-off. They can buy insurance or they can book shore excursions or drink packages. If you are young, healthy, have few assets, and a small income you will have different priorities than if you are older, have health issues, significant assets and more income.

 

Please understand. I have two independent kinds of health insurance. One covers me in the states and one covers me everywhere. I still buy travel insurance including healthcare. I'm not particularly concerned about the costs of health care outside the states but I am concerned about evacuation services.

[newcruzer2]

As far as using the cancel for any reason credit: i had called last week and asked for info in case my husband had to cancel for any reason for our Dec 2015 cruise.

 

Princess said : whether we cancel today or dec 2015 we have until DEC 31 2016 to use the credit. I called back and was told that same answer again; It does not matter when you cancel in that year but it must be used by DEC 31 of the next year for sure.

 

Well that's hard to hear, since I feel like I DID the leg work and ASKED princess and princess' insurance co. And got DIFFERENT answers. Because if what you are saying is correct and NOT the answers I was given, I would have Definitely gotten the insurance. Because I knew my mother may not have been completed out of the woods, in time for me to go. That's what I hate about calling ANY company THESE DAYS , it all depends on who you get on the phone, as to WHAT info you get :(

Edited November 4, 2015 by newcruzer2

[CruzVinnieCruz]

We just had to cancel a cruise two weeks ago due to a death in the family which we just booked ten days earlier and we did not have cruise insurance.

 

We were told by Princess that by cancelling the reservation we did get the port fees and taxes back but if we would have just no showed that would have been lost. They also suggested writing a letter with a copy of the death certificate and there maybe a possibility of some sort of adjustment but if we would of no showed there would not be any possibility of an adjustment.

 

We have been on over thirty cruises without buying cruise insurance. The rational for not buying is that my company provides a travel assistance program that covers medical/air ambulance situations.

 

Over the years I figure we saved over $3500.00 dollars and just lost around a $1000.00 which puts us ahead.

 

Take care,

Vinnie

[Treven]

In addition to the trip insurance which I get for every cruise, I also get a medical transport insurance policy from MedJet Assist. This gets me home after being admitted to a foreign hospital, to a hospital of my choosing (which would be a local one). They have different policies, from a single trip, or an annual period, for an individual, up to a family policy also for either a single trip or a yearly. The cost is very reasonable.

[The Wilkies]

Just wondering. When you complete the Cruise Personaliser, what do you put in the insurance section. Thought all sections had to be completed before you could print off the e-ticket, luggage labels etc.?

[fishywood]

Just wondering. When you complete the Cruise Personaliser, what do you put in the insurance section. Thought all sections had to be completed before you could print off the e-ticket, luggage labels etc.?

 

No such requirement for proof of independent insurance for USA passengers.

[moki'smommy]

We are talking here about holiday insurance cover, which to my mind is not the same as health care. An annual worldwide travel insurance policy [which includes medical insurance] costs me less than $200. A single trip policy would cost less. I do not think this is a significant expense.

 

I'd like more information on this. Where are you located that you can buy an annual worldwide policy for $200? And how do you buy such a thing?

[ar1950]

Well that's hard to hear, since I feel like I DID the leg work and ASKED princess and princess' insurance co. And got DIFFERENT answers. Because if what you are saying is correct and NOT the answers I was given, I would have Definitely gotten the insurance. Because I knew my mother may not have been completed out of the woods, in time for me to go. That's what I hate about calling ANY company THESE DAYS , it all depends on who you get on the phone, as to WHAT info you get :(

 

Not knowing the issue, but, if it is a medical condition being treated by a Doctor at the time of cancellation then because your mother is an immediate family member I believe that the Princess platinum coverage would have refunded the whole cruise fare cost. At least that is what is stated in my current policy.

[Pushka]

We (Australians) purchase annual trip insurance which costs us around $350 AUD and which has unlimited medical insurance around the world plus the usual travel insurance needs, for multiple trips. I have never travelled without insurance and I have claimed multiple times. If you cant afford travel insurance then you cant afford to travel overseas. We are thousands of dollars 'ahead' having purchased it.

[KikisDad]

Well that's hard to hear, since I feel like I DID the leg work and ASKED princess and princess' insurance co. And got DIFFERENT answers. Because if what you are saying is correct and NOT the answers I was given, I would have Definitely gotten the insurance. Because I knew my mother may not have been completed out of the woods, in time for me to go. That's what I hate about calling ANY company THESE DAYS , it all depends on who you get on the phone, as to WHAT info you get :(

 

Don't feel bad, same as you were told. this poster was talking about a December 2015 cruise where the credit was to be used by December 2016. this is the same as you and your November 2015 cruise that would have to be used by November 2016, before your December 2016.

I am sorry you had to cancel, hope your mother is better soon.

[Treven]

I'd like more information on this. Where are you located that you can buy an annual worldwide policy for $200? And how do you buy such a thing?

If memory serves correctly' date=' it isn't $200, but £200.[/color']

[newcruzer2]

Don't feel bad, same as you were told. this poster was talking about a December 2015 cruise where the credit was to be used by December 2016. this is the same as you and your November 2015 cruise that would have to be used by November 2016, before your December 2016.

I am sorry you had to cancel, hope your mother is better soon.

 

Thank you. I love the cruise critic community , but the reason I ended up calling princess and insurance company was, sometimes the CC community info can be a little off, everyone always means WELL. And I have a feeling, most people cruise OFTEN and therefore the 'sail with 12 months of canceling' doesn't really factor in for most. Tks for everyone's helpful ideas :) but my ship has LITERALLY sailed LOL Thank you again :)

[cr8tiv1]

It is rare that the OP returns to leave an update. Thank you for doing that with such a positive tone. Good luck and I do hope you will find the time to sail again.

 

Best wishes for your mom.

[cruiselvr1]

In addition to the trip insurance which I get for every cruise, I also get a medical transport insurance policy from MedJet Assist. This gets me home after being admitted to a foreign hospital, to a hospital of my choosing (which would be a local one). They have different policies, from a single trip, or an annual period, for an individual, up to a family policy also for either a single trip or a yearly. The cost is very reasonable.

My DW and I agree with you medi jet for a foreign Country cruise makes a lot a sense. I wouldn't want treatment in a Country that has socialist medicine. I would rather fly back to the US, and let our Doctors treat us.

[cruiselvr1]

Thank you. I love the cruise critic community , but the reason I ended up calling princess and insurance company was, sometimes the CC community info can be a little off, everyone always means WELL. And I have a feeling, most people cruise OFTEN and therefore the 'sail with 12 months of canceling' doesn't really factor in for most. Tks for everyone's helpful ideas :) but my ship has LITERALLY sailed LOL Thank you again :)

You have a good attitude, its awful when you have to cancel a cruise. We have a cruise coming up soon, and were worried due to some family medical problems that we may have to cancel. We have insurance.

[Treven]

My DW and I agree with you medi jet for a foreign Country cruise makes a lot a sense. I wouldn't want treatment in a Country that has socialist medicine. I would rather fly back to the US, and let our Doctors treat us.

Well, don't forget, MedJet Assist will fly you back to your "home hospital" only after you've been admitted to a foreign horsepital. I guess you can be admitted, then while you're getting settled, you can be on the phone to MedJet, saying, "get me the hell out of here"!;:D or something to that effect.

Of course one of the great perks of this is that the spouse is flown back at no charge as well.

Edited November 5, 2015 by Treven

[shredie]

My DW and I agree with you medi jet for a foreign Country cruise makes a lot a sense. I wouldn't want treatment in a Country that has socialist medicine. I would rather fly back to the US, and let our Doctors treat us.

 

Why? If you were lying on the gurney with a punctured artery and you were bleeding to death, would you say "Unhand me, socialist"?

Edited November 5, 2015 by shredie

[Treven]

Of course at that point he wouldn't be saying much of anything, as a nurse dripped ether onto a gauze -covered strainer.

I'm a member of an HMO, so I guess that's pretty socialistic.

[Coral]

 

Over the years I figure we saved over $3500.00 dollars and just lost around a $1000.00 which puts us ahead.

 

Take care,

Vinnie

 

I don't worry about losing the cost of the cruise. I can afford that. I worry about being out of the country and having a very large emergency vac or medical bill. I can't afford that. My health insurance doesn't cover well outside of the US.

[Coral]

Well, don't forget, MedJet Assist will fly you back to your "home hospital" only after you've been admitted to a foreign horsepital. I guess you can be admitted, then while you're getting settled, you can be on the phone to MedJet, saying, "get me the hell out of here"!;:D or something to that effect.

Of course one of the great perks of this is that the spouse is flown back at no charge as well.

 

That is assuming you are stable enough to fly back!

[moki'smommy]

If memory serves correctly, it isn't $200, but £200.

 

I've seen this sort of policy advertised on TV in London, but the poster said "$200." That's what made me think he/she might be in the US.

[Treven]

I had two posts mixed/combined. Evidently I had in my head part of one post that talked about his policy costing him £50, and mentally combined that with the post that mentioned $200, and came up with goulash!

[Treven]

That is assuming you are stable enough to fly back!

Their website addresses that. Yes, you have to be stable, and if necessary they'll have a nurse accompanying the patient. I think their website does a pretty good job of going over the possibilities.

Edited November 5, 2015 by Treven

[rdsqrl]

My DW and I agree with you medi jet for a foreign Country cruise makes a lot a sense. I wouldn't want treatment in a Country that has socialist medicine. I would rather fly back to the US, and let our Doctors treat us.

Wow, I've never heard of this branch of medicine before. Does the doctor treat you by showing you photos of Charles Fourier and Olaf Palme?

[JF - retired RRT]

Of course at that point he wouldn't be saying much of anything, as a nurse dripped ether onto a gauze -covered strainer.

I'm a member of an HMO, so I guess that's pretty socialistic.

 

And I have Medicare. The original US version of socialized medicine.

 

I am assuming that is what was meant by "socialist".