Rare Ready2go11 Posted October 11, 2017 #1 Share Posted October 11, 2017 Just booked a trip on the Eurodam for February and since I will be flying from the northeast considering buying insurance in case of weather delays. Can I buy the HAL premium insurance even though I booked through a TA? Thanks Link to comment Share on other sites More sharing options...
RocketMan275 Posted October 11, 2017 #2 Share Posted October 11, 2017 Mine sells better insurance at a better rate. Ask your TA what she can do. Link to comment Share on other sites More sharing options...
OCruisers Posted October 11, 2017 #3 Share Posted October 11, 2017 (y) Yes, you certainly can! Our TA was happy do the HAL insurance for us. :) Link to comment Share on other sites More sharing options...
RuthC Posted October 11, 2017 #4 Share Posted October 11, 2017 In answer to your question, yes. You can purchase the HAL insurance when you book the cruise through a travel agent. Link to comment Share on other sites More sharing options...
Rare Ready2go11 Posted October 11, 2017 Author #5 Share Posted October 11, 2017 Thanks for the replies. I like the idea of the premium HAL insurance where I think you get ninety percent back for just about any reason, including if my MD flight is cancelled. Link to comment Share on other sites More sharing options...
innlady1 Posted October 11, 2017 #6 Share Posted October 11, 2017 I have purchased HAL Premium insurance. Just used it. Had to cancel a Canada to Fort Laurderdale cruise that left Montreal 10/07. Was refunded 90%. No questions asked. I used a HAL PCC. But I've bought it using a TA, too. Sent from my iPhone using Tapatalk Link to comment Share on other sites More sharing options...
Jade13 Posted October 11, 2017 #7 Share Posted October 11, 2017 Yes, it’s travel protection. It works best if you already have medical insurance you can use out of network. The medical portion is poor with a $10,000.00 limit. Sent from my iPad using Forums Link to comment Share on other sites More sharing options...
Krazy Kruizers Posted October 11, 2017 #8 Share Posted October 11, 2017 Our TA buys HAL's insurance for us -- one day before final payment is made. Had to use it a couple of times. We do buy separate health insurance. Link to comment Share on other sites More sharing options...
janmcn Posted October 11, 2017 #9 Share Posted October 11, 2017 Yes, you can. We do. For those who think that other insurance is cheaper/better, make sure to compare the exact coverage you need/want. There ARE differences. We didn't need more medical/evacuation coverage since we purchase an annual travel policy but we DO need the cancel for any reason and preexisting conditions coverage that are cheaper with HAL Platinum. Link to comment Share on other sites More sharing options...
Tampa Girl Posted October 11, 2017 #10 Share Posted October 11, 2017 Mine sells better insurance at a better rate. Ask your TA what she can do. How do you know what type of insurance OP needs and the circumstances under which it might be needed? From my research, we cannot do better than HAL's CCP, which, BTW, is not insurance. It is a cancellation plan. Other insurers wanted almost twice as much for cancel for any reason. Link to comment Share on other sites More sharing options...
Tampa Girl Posted October 11, 2017 #11 Share Posted October 11, 2017 Our TA buys HAL's insurance for us -- one day before final payment is made. We do buy separate health insurance. And that is the beauty of the CPP - you need not buy it until final payment. Other insurance companies require a cancel for any reason or for a waiver of pre-existing conditions to be purchased within so many days of booking. So, don't purchase it until final payment. Link to comment Share on other sites More sharing options...
bd1958 Posted October 11, 2017 #12 Share Posted October 11, 2017 We've purchased HAL premium every time we cruised. Have not needed it so far. Keep in mind that it only covers flights if you purchase flight through HAL. Bruce Link to comment Share on other sites More sharing options...
Rare TiogaCruiser Posted October 11, 2017 #13 Share Posted October 11, 2017 Another beauty is if you do cancel prior to them converting to a policy, you just let them know. No filling out paperwork, etc. I had to cancel recently due to a sudden illness in an elderly family member 4 days prior to departure. I had all 90% back inmy account within 5 days. A simple call to my credit card got it moved back to my savings account. Because I had air and a precruise tour through HAL (shorex) the price for the CPP was based only on the cruise portion. For my circumstances, buying private CAR with the waiver would have cost over double the cost of the CPP. On the other hand, because of circumstances, I would have received 100% back (and only lost the premium). YMMV. Link to comment Share on other sites More sharing options...
RocketMan275 Posted October 11, 2017 #14 Share Posted October 11, 2017 How do you know what type of insurance OP needs and the circumstances under which it might be needed? From my research, we cannot do better than HAL's CCP, which, BTW, is not insurance. It is a cancellation plan. Other insurers wanted almost twice as much for cancel for any reason. Neither of us know OP's circumstances. I didn't tell OP where to get his policy. I suggested OP should see what options his TA might offer. The other point is this: it makes little sense to ask this board what his TA can/will do. Why not ask his TA? They are the only one who knows if they can or do sell this plan. OP might also get a surprise if the TA can sell a better policy at a better rate. BTW, OP did not ask about cancel for any reason. OP asked about insurance for weather related travel. As you noted, HAL doesn't sell insurance. It sells a cancellation plan. That plan only pays back 90% which might be important to OP. And, in order to cover his air travel, OP would have to buy that through HAL as well. Can OP buy air at a better rate? Probably since it's within the US. So, which is cheaper for OP? I don't know. Know one knows, but OP would be well advised to ask his TA about their options. Link to comment Share on other sites More sharing options...
Rare Gail & Marty sailing away Posted October 11, 2017 #15 Share Posted October 11, 2017 Yes you can. Link to comment Share on other sites More sharing options...
Tampa Girl Posted October 11, 2017 #16 Share Posted October 11, 2017 Neither of us know OP's circumstances. I didn't tell OP where to get his policy. I suggested OP should see what options his TA might offer. The other point is this: it makes little sense to ask this board what his TA can/will do. Why not ask his TA? They are the only one who knows if they can or do sell this plan. OP might also get a surprise if the TA can sell a better policy at a better rate. BTW, OP did not ask about cancel for any reason. OP asked about insurance for weather related travel. As you noted, HAL doesn't sell insurance. It sells a cancellation plan. That plan only pays back 90% which might be important to OP. And, in order to cover his air travel, OP would have to buy that through HAL as well. Can OP buy air at a better rate? Probably since it's within the US. So, which is cheaper for OP? I don't know. Know one knows, but OP would be well advised to ask his TA about their options. You're right. I was, erroneously, assuming OP wanted a cancel for any reason. That not being the case, I agree that he should check either with is TA or, perhaps better, check one of the websites like insuremytrip,com. Link to comment Share on other sites More sharing options...
Tampa Girl Posted October 11, 2017 #17 Share Posted October 11, 2017 Another beauty is if you do cancel prior to them converting to a policy, you just let them know. No filling out paperwork, etc. I had to cancel recently due to a sudden illness in an elderly family member 4 days prior to departure. I had all 90% back inmy account within 5 days. A simple call to my credit card got it moved back to my savings account. Because I had air and a precruise tour through HAL (shorex) the price for the CPP was based only on the cruise portion. For my circumstances, buying private CAR with the waiver would have cost over double the cost of the CPP. On the other hand, because of circumstances, I would have received 100% back (and only lost the premium). YMMV. When does the CPP convert to an insurance policy - 24 hour prior to sailing? If I understand you correctly, I buy the CPP by the time of final payment and cancel before it converts to insurance. I get back the 80 or 90% of my cruise payments but not the cost of the CPP, right? Of course, when one is considering very expensive, lengthy cruise, one is still out a lot of money, so cancellation is not something done on a whim. Link to comment Share on other sites More sharing options...
Rare TiogaCruiser Posted October 12, 2017 #18 Share Posted October 12, 2017 When does the CPP convert to an insurance policy - 24 hour prior to sailing? I believe so and will have to double check my paperwork when I get home. Link to comment Share on other sites More sharing options...
GYMIL Posted October 12, 2017 #19 Share Posted October 12, 2017 QuestionInsurance : We are booking Grand Asia and World with HAL Some Insurance Companies allow you to enter in the country of destination which affects price. Does anyone know which are the best price example: On a Grand Med. Italy $ 2600. Gambia $ 1295 So it does pay to research countries Just booked a trip on the Eurodam for February and since I will be flying from the northeast considering buying insurance in case of weather delays. Can I buy the HAL premium insurance even though I booked through a TA? Thanks Link to comment Share on other sites More sharing options...
Rare TiogaCruiser Posted October 17, 2017 #20 Share Posted October 17, 2017 When does the CPP convert to an insurance policy - 24 hour prior to sailing? If I understand you correctly, I buy the CPP by the time of final payment and cancel before it converts to insurance. I get back the 80 or 90% of my cruise payments but not the cost of the CPP, right? Of course, when one is considering very expensive, lengthy cruise, one is still out a lot of money, so cancellation is not something done on a whim. I totally forgot to pull my CPP from March, 2017 to answer you. Your reply on a more recent thread jogged my memory. So here it is: Section I of the CPP is CAR, provided by HAL. Section II is Part A (trip arrangement protection, Part B Medical protection (50k medical evac, 10k medical and dental) Part C Baggage Protection and Part D worldwide emergency assistance. Section I I is underwritten by Transamerica Casualty Insurance Company and I have a policy number. I cannot find a reference as to when the policy is converted, but there are references to being effective when travel starts. It seems I remember reading or being told 24 hours prior to the start of travel. I had it in mind when I cancelled that there was still 24 hours left before I had to cancel without submitting a claim. I just can’t find a reference to it in the paperwork I got from HAL. Link to comment Share on other sites More sharing options...
Hflors Posted October 18, 2017 #21 Share Posted October 18, 2017 Just booked a trip on the Eurodam for February and since I will be flying from the northeast considering buying insurance in case of weather delays. Can I buy the HAL premium insurance even though I booked through a TA? Thanks Also if you are flying from the NE in Feb. if you can you might want to fly down a couple of days early. Just in case! 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