Hoppy2cruise Posted July 17, 2016 #1 Share Posted July 17, 2016 We have always purchased cruise insurance through RCL (or a TA) when booking, but our 65th birthdays are coming up so we wonder if we need to do something else. We are members of USAA and will have Tri-care for Life if that makes any difference. I did a search, but couldn't find any answers. Link to comment Share on other sites More sharing options...
Clarea Posted July 17, 2016 #2 Share Posted July 17, 2016 Royal's insurance still covers you at 65 and over, and may be a less expensive choice as the premium is not age based. Link to comment Share on other sites More sharing options...
Hoppy2cruise Posted July 17, 2016 Author #3 Share Posted July 17, 2016 Royal's insurance still covers you at 65 and over, and may be a less expensive choice as the premium is not age based. As always - thank you, Bob! I was told that Medicare will not cover illnesses out of the US. Is that not true? Link to comment Share on other sites More sharing options...
Clarea Posted July 17, 2016 #4 Share Posted July 17, 2016 As always - thank you, Bob! I was told that Medicare will not cover illnesses out of the US. Is that not true? Sorry, I'm not familiar with Medicare coverage. Link to comment Share on other sites More sharing options...
tcieyes Posted July 17, 2016 #5 Share Posted July 17, 2016 HI, We get Geoblue trekker, although nor per cruise but by the year. We travel alot out of USA. It is global. It is about 100.00 per person per year and covers everything up to 50,000, incuding medevac. Link to comment Share on other sites More sharing options...
rncruiser Posted July 17, 2016 #6 Share Posted July 17, 2016 Medicare does not provide coverage outside of the US. If the policies you have are the type that cover your 20% co-pay, then they will not provide coverage either. Link to comment Share on other sites More sharing options...
watson50 Posted July 17, 2016 #7 Share Posted July 17, 2016 check with your TA,most offer travel insurance with cruises five days or longer. we always purchase the upgrade option.it covers everything.even God forbid being air lifted off the ship.good luck and happy cruising. Link to comment Share on other sites More sharing options...
Paulette3028 Posted July 17, 2016 #8 Share Posted July 17, 2016 HI, We get Geoblue trekker, although nor per cruise but by the year. We travel alot out of USA. It is global. It is about 100.00 per person per year and covers everything up to 50,000, incuding medevac. Is there a separate policy you buy for 'trip cancellation' or 'trip interruption' coverage? Link to comment Share on other sites More sharing options...
mauimary Posted July 17, 2016 #9 Share Posted July 17, 2016 You may want to check out the Cruise Insurance Boards. Lots of info over there. We have found it to be a good source of info. Lots of info on third party insurance. Link to comment Share on other sites More sharing options...
rguy123 Posted July 17, 2016 #10 Share Posted July 17, 2016 I have found the Geoblue to be excellent so far. Link to comment Share on other sites More sharing options...
39august Posted July 17, 2016 #11 Share Posted July 17, 2016 If you have Tri-Care for Life, doesn't it cover medical anywhere in the world? I have two friends who have it and they are covered. You do need evacuation coverage. and I cannot find any such except with a medical policy. I believe Geoblue includes evacuation, so perhaps that is a good choice. Link to comment Share on other sites More sharing options...
Donna_In_India Posted July 18, 2016 #12 Share Posted July 18, 2016 We use World Nomads. They have very good coverage and they are great to work with. As always be sure to read any small print. :) Link to comment Share on other sites More sharing options...
wvufan Posted July 18, 2016 #13 Share Posted July 18, 2016 HI, We get Geoblue trekker, although nor per cruise but by the year. We travel alot out of USA. It is global. It is about 100.00 per person per year and covers everything up to 50,000, incuding medevac. That's what we get too. It does not cover cancellations, but the medical and evac are what are important to us as Medicare does NOT cover out of the USA. Happy Sails to You OOOEEE Baby :D:D Bob and Phyl Link to comment Share on other sites More sharing options...
Hoppy2cruise Posted July 18, 2016 Author #14 Share Posted July 18, 2016 If you have Tri-Care for Life, doesn't it cover medical anywhere in the world? I have two friends who have it and they are covered. You do need evacuation coverage. and I cannot find any such except with a medical policy. I believe Geoblue includes evacuation, so perhaps that is a good choice. I'm just learning the lingo as I approach 65, but it seems Medicare will become our primary provider with Tricare for Life being the supplemental policy. Link to comment Share on other sites More sharing options...
Hoppy2cruise Posted July 18, 2016 Author #15 Share Posted July 18, 2016 You may want to check out the Cruise Insurance Boards. Lots of info over there. We have found it to be a good source of info. Lots of info on third party insurance. I dd not realize there were Cruise Insurance Boards. Thanks - I'll check them out. Link to comment Share on other sites More sharing options...
39august Posted July 18, 2016 #16 Share Posted July 18, 2016 Yes, Tri-Care is secondary. But, when Medicare refuses payment, that is when Tri-Care kicks in. Link to comment Share on other sites More sharing options...
herbanrenewal Posted July 18, 2016 #17 Share Posted July 18, 2016 I was told that Medicare will not cover illnesses out of the US. Is that not true? it depends on which options/ plan you have. my medicare will cover emergency care in foreign countries. call the number on your card and talk with a customer representative to see what is covered and if your coverage includes utside USA. check out the cruise travel insurance threads http://boards.cruisecritic.com/forumdisplay.php?f=635 Link to comment Share on other sites More sharing options...
wingman2014 Posted July 19, 2016 #18 Share Posted July 19, 2016 Royal's insurance still covers you at 65 and over, and may be a less expensive choice as the premium is not age based. Can I add insurance from Royal after we've already booked ? Our cruise isn't until October 2017 Sent from my iPhone using Forums Link to comment Share on other sites More sharing options...
brenderlou Posted July 19, 2016 #19 Share Posted July 19, 2016 Can I add insurance from Royal after we've already booked ? Our cruise isn't until October 2017 Sent from my iPhone using Forums Yes, you can add up until final payment due date. Link to comment Share on other sites More sharing options...
Clarea Posted July 19, 2016 #20 Share Posted July 19, 2016 Can I add insurance from Royal after we've already booked ? Our cruise isn't until October 2017 Yes, just contact whoever booked your cruise. Link to comment Share on other sites More sharing options...
jlstwinmommy Posted July 19, 2016 #21 Share Posted July 19, 2016 I will tell you about our personal experience. I'm not over 65, but a few years ago we took my grandfather (87 at the time) on a cruise. We always buy travel insurance through USAA. He had some medical issues on the cruise (we found out a few months after the cruise that he actually had cancer, but that was unknown to us at the time). He had to have an EKG and a couple other tests while on the ship. We had to wait for medicare and Tricare to refuse payment, but then the USAA insurance paid. It took a while to wait for the other 2 to refuse payment - I think it took a year actually (my mom was dealing with this as my grandfather ended up passing away from the cancer a few months after being diagnosed). Anyway - the USAA insurance paid for everything once medicare and Tricare denied the coverage. Link to comment Share on other sites More sharing options...
wingman2014 Posted July 19, 2016 #22 Share Posted July 19, 2016 Yes, just contact whoever booked your cruise. I did it myself thru rcl.com ,so I guess that means a phone call ? :) Link to comment Share on other sites More sharing options...
Clarea Posted July 19, 2016 #23 Share Posted July 19, 2016 I did it myself thru rcl.com ,so I guess that means a phone call ? :) Yes, call Royal customer service. Or better yet, call Crown & Anchor if you are a member. Link to comment Share on other sites More sharing options...
wingman2014 Posted July 19, 2016 #24 Share Posted July 19, 2016 Yes, call Royal customer service. Or better yet, call Crown & Anchor if you are a member. Great , Thank you BOB ! Link to comment Share on other sites More sharing options...
minn0315 Posted July 19, 2016 #25 Share Posted July 19, 2016 We always buy the trip cancellation/interruption insurance through our TA. In addition to that we purchase a yearly policy with MedJet, they provide for medical evacuation from anywhere in the world to the hospital of your choice back in the USA. Link to comment Share on other sites More sharing options...
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