Royal Caribbean trip insurance

[maggie cruises]

That's nonsense. You are buying insurance for yourself, not every immediate family member you have at home

 

 

 

I used to agree with what you just said....but nope...things have changed....unless you buy a policy that excludes pre existing illness within the timeframe ...those non traveling family members do count. Of course that's ridiculous but we are talking insurance companies here which we all know are really in the real estate investment business anyway. Lol

 

 

So you give a quick call to the family member that concerns you and chat to make sure they are ok...then you make your plans...then you buy your insurance asap ...but you make sure to buy a policy that specifically covers non traveling family members pre existing conditions

 

When I realized non traveling family now was an issue I stopped using insuremytrip and went directly to my TELEPHONE and CALLED the trip insurance store

 

Spoke to Becky and Steve....great service!!!!!

 

 

 

 

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[maggie cruises]

Don't you have to cancel 48 hours before your cruise starts for cancel for any reason insurance?

 

 

 

 

 

If so that wouldn't help OP get back to the states once on their cruise.

 

 

 

 

 

I would definitely call and talk to the insurance company before paying anything to be sure that the family member not cruising was covered.

 

 

 

 

 

Bill

 

 

 

Then it's covered under trip interruption not trip cancellation

 

 

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[maggie cruises]

Does the insurance cover cancelation of the cruise due to pregnancy? My wife is currently 9 weeks pregnant and were considering booking a Canada / New England for the 1st week of Sept. I wondered if we booked the cruise and if there was a complication, would the insurance cover it?

 

 

 

It could/would / might be covered under the complications of pregnancy clause but you dont really want a complication of course. Also you need to be sure it's not considered pre existing

 

This is why....I, as a very frequent and seasoned traveler, decided to CALL tripinsurancestore versus just buying online

 

 

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[maggie cruises]

I don't think so. I just looked at both of my current policies for upcoming cruises. They both cover under Trip Cancellation and Interruption "Sickness or Injury of a Family Member not traveling with the insured." It goes on to say it must be "so disabling" to actually cause the cancellation/interruption, which death would certainly qualify for.

 

 

 

 

 

I can't speak for Royal's policy, but the two I have are from TravelGuard and Berkshire Hathaway.

 

 

 

Even if that sickness is well known and pre existing for your relative?

 

This is why you by asap after booking in order to exclude pre existing issues for all involved.

 

 

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Edited July 3, 2018 by maggie cruises

[sparks1093]

I used to agree with what you just said....but nope...things have changed....unless you buy a policy that excludes pre existing illness within the timeframe ...those non traveling family members do count. Of course that's ridiculous but we are talking insurance companies here which we all know are really in the real estate investment business anyway. Lol

 

 

So you give a quick call to the family member that concerns you and chat to make sure they are ok...then you make your plans...then you buy your insurance asap ...but you make sure to buy a policy that specifically covers non traveling family members pre existing conditions

 

When I realized non traveling family now was an issue I stopped using insuremytrip and went directly to my TELEPHONE and CALLED the trip insurance store

 

Spoke to Becky and Steve....great service!!!!!

 

Sent from my iPad using Forums

 

From what I've read the phone reps at insuremytrip.com are also awesome. I have emailed them questions and received prompt replies. We're at a point now that the only people we would consider coming home for are the kids if something happened to them and it would need to be pretty bad and since accidents aren't pre-existing we should be okay. (An example of pretty bad- my nephew was driving on I95 near Boca Raton a few years ago and a 20-30lb piece of metal came through his windshield and hit him in the face and he spent a few days in ICU. If something like that happened to one of our kids we would have come home if at all possible.)

[cruisinfanatic]

I used to agree with what you just said....but nope...things have changed....unless you buy a policy that excludes pre existing illness within the timeframe ...those non traveling family members do count. Of course that's ridiculous but we are talking insurance companies here which we all know are really in the real estate investment business anyway. Lol

 

 

So you give a quick call to the family member that concerns you and chat to make sure they are ok...then you make your plans...then you buy your insurance asap ...but you make sure to buy a policy that specifically covers non traveling family members pre existing conditions

 

When I realized non traveling family now was an issue I stopped using insuremytrip and went directly to my TELEPHONE and CALLED the trip insurance store

 

Spoke to Becky and Steve....great service!!!!!

 

 

 

 

Sent from my iPad using Forums

Neither is an insurance company so I don't understand why you think one is better than the other

[maggie cruises]

Neither is an insurance company so I don't understand why you think one is better than the other

 

 

 

What do you mean by neither?

 

I know exactly what it is and that they sell policies but I now prefer tripinsurancestore over insuremytrip

 

They also have it narrowed down to certain choice policies

 

It was easy to find the one that fit my needs

 

I've used insuremytrip previously but I decided to give tripinsurancestore a look based on posts from cc

 

They spent almost an hour discussing my concerns....

 

And that is...the possibility of needing to cancel etc based on a non traveling elderly immediate relative

 

What needs serious consideration..IS...does that elderly relative have ...a PRE EXISTING..condition ...and would I even know about it? Not every parent burdening their child with their medical issues. Some like to stay silent you know...but fortunately my 93 yo mil is in great shape...but I'm still assuming there is something that could be considered pre existing at her age

 

I used to believe any pre existing condition of a non traveling family member didn't count but I now know it does

 

I used to believe only the pre existing conditions of traveling members counting. But now know differently

 

I always knew to buy insurance within a set time from initial deposit

 

I also never realized that certain policies count your deposit as the day you buy that cruise cert on the ship...but don't set a travel date

 

And I also learned via Steves blog that there are policies that don't care if you used a cert to book

 

 

The point is tripinsurancestore and Steves blog and their knowledgeable reps have easily and concisely given me more info than I've ever gotten before. I'm a long time savvy traveler who can arrange most everything on my own with no problem. I know when to take a tour I know when to diy. Haven't used a brick and mortar TA since 1988.

 

I've used insuremytrip

I've bought directly from travel guard

I've bought directly from the ship

 

All in the past ...as I'm using Steve for travel insurance going forward...until I'm so old that the only policy that makes sense is actually the ships policy. Lol

 

I prefer the fact that Steve narrows it down to 10 or less choices....at excellent prices. Also, his blog and his website answer every possible question you have...even before you ask the question. Lol

 

 

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Edited July 4, 2018 by maggie cruises

[cruisinfanatic]

What do you mean by neither?

 

I know exactly what it is and that they sell policies but I now prefer tripinsurancestore over insuremytrip

 

They also have it narrowed down to certain choice policies

 

It was easy to find the one that fit my needs

 

I've used insuremytrip previously but I decided to give tripinsurancestore a look based on posts from cc

 

They spent almost an hour discussing my concerns....

 

And that is...the possibility of needing to cancel etc based on a non traveling elderly immediate relative

 

What needs serious consideration..IS...does that elderly relative have ...a PRE EXISTING..condition ...and would I even know about it? Not every parent burdening their child with their medical issues. Some like to stay silent you know...but fortunately my 93 yo mil is in great shape...but I'm still assuming there is something that could be considered pre existing at her age

 

I used to believe any pre existing condition of a non traveling family member didn't count but I now know it does

 

I used to believe only the pre existing conditions of traveling members counting. But now know differently

 

I always knew to buy insurance within a set time from initial deposit

 

I also never realized that certain policies count your deposit as the day you buy that cruise cert on the ship...but don't set a travel date

 

And I also learned via Steves blog that there are policies that don't care if you used a cert to book

 

 

The point is tripinsurancestore and Steves blog and their knowledgeable reps have easily and concisely given me more info than I've ever gotten before. I'm a long time savvy traveler who can arrange most everything on my own with no problem. I know when to take a tour I know when to diy. Haven't used a brick and mortar TA since 1988.

 

I've used insuremytrip

I've bought directly from travel guard

I've bought directly from the ship

 

All in the past ...as I'm using Steve for travel insurance going forward...until I'm so old that the only policy that makes sense is actually the ships policy. Lol

 

I prefer the fact that Steve narrows it down to 10 or less choices....at excellent prices. Also, his blog and his website answer every possible question you have...even before you ask the question. Lol

 

 

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All that because I said neither is an insurance company, LOL

[parrotfeathers]

Tripinsurancestore is great.

[maggie cruises]

All that because I said neither is an insurance company, LOL

 

 

 

Nope. Because I like to be clear in my posts and give details. I have no issue typing all the info needed. Also from your previous posts you are not totally aware of all the details about pre existing illness.

 

Read my post # 26 where I quoted you

 

 

Too many posters leave stuff out and post insufficient details and I took the opportunity to not do that. Enjoy the day

 

 

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Edited July 4, 2018 by maggie cruises

[maggie cruises]

Sent from my iPad using Forums

 

 

 

 

 

 

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[mafig]

What do you mean by neither?

 

I know exactly what it is and that they sell policies but I now prefer tripinsurancestore over insuremytrip

 

They also have it narrowed down to certain choice policies

 

It was easy to find the one that fit my needs

 

I've used insuremytrip previously but I decided to give tripinsurancestore a look based on posts from cc

 

They spent almost an hour discussing my concerns....

 

And that is...the possibility of needing to cancel etc based on a non traveling elderly immediate relative

 

What needs serious consideration..IS...does that elderly relative have ...a PRE EXISTING..condition ...and would I even know about it? Not every parent burdening their child with their medical issues. Some like to stay silent you know...but fortunately my 93 yo mil is in great shape...but I'm still assuming there is something that could be considered pre existing at her age

 

I used to believe any pre existing condition of a non traveling family member didn't count but I now know it does

 

I used to believe only the pre existing conditions of traveling members counting. But now know differently

 

I always knew to buy insurance within a set time from initial deposit

 

I also never realized that certain policies count your deposit as the day you buy that cruise cert on the ship...but don't set a travel date

 

And I also learned via Steves blog that there are policies that don't care if you used a cert to book

 

 

 

 

...until I'm so old that the only policy that makes sense is actually the ships policy. Lol

 

 

 

 

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What age would that be?

[cruisinfanatic]

Nope. Because I like to be clear in my posts and give details. I have no issue typing all the info needed. Also from your previous posts you are not totally aware of all the details about pre existing illness.

 

Read my post # 26 where I quoted you

 

 

Too many posters leave stuff out and post insufficient details and I took the opportunity to not do that. Enjoy the day

 

 

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You didn't think you were clear in 26 so you did it again?

[Momto3girlsintheCarolinas]

I have found my credit card company offers far better trip insurance. It's not an added cost, either. I'd check out your card benefits or perhaps consider getting a card with great travel insurance. :cool::cool::cool::cool:

[cruisinfanatic]

I have found my credit card company offers far better trip insurance. It's not an added cost, either. I'd check out your card benefits or perhaps consider getting a card with great travel insurance. :cool::cool::cool::cool:

What card is this. Never have seen one that covers medical

[maggie cruises]

What age would that be?

 

 

 

 

From what I gather around age 80 regular trip insurance gets difficult to buy and the ships deal is actually better...or so I've read here on cc.

 

I'm not anywhere near that ball park yet.

 

 

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[maggie cruises]

You didn't think you were clear in 26 so you did it again?

 

 

Yup. Of course you certainly do not need to read my posts if they are too long for your liking. I often skip over posts It's not a crime.

 

You can also put posters on ignore. Totally acceptable as well

 

 

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[WestfieldTraveler]

I'll preface this with that I have no special expertise in insurance, but do *think* I can understand most things written in English. And I do try to understand the travel insurance contracts when I buy them.

 

For instance, the TravelGuard policy I usually buy, it currently contains language like the following excerpt:

 

PRE-EXISTING MEDICAL CONDITION EXCLUSION:The Company will not pay for any loss or expenseincurred as the result of an Injury, Sickness or othercondition of an Insured, Traveling Companion, BusinessPartner or Family Member which, within the 180 dayperiod immediately preceding and including the Insured’scoverage effective date: (a) first manifested itself,worsened, became acute or had symptoms which wouldhave prompted a reasonable person to seek diagnosis,care or treatment; (b) for which care or treatment wasgiven or recommended by a Physician; © requiredtaking prescription drugs or medicines, unless thecondition for which the drugs or medicines are takenremains controlled without any change in the requiredprescription drugs or medicines.

 

PRE-EXISTING MEDICALCONDITION EXCLUSION WAIVERThe Company will waive the pre-existing medical conditionexclusion if the following conditions are met 1) This plan is purchased within 15 days of Initial TripPayment

 

So, even if someone is sick, they will pay out as long as you purchased the insurance within 15 days of the initial trip payment.

 

In the referenced link to the TPP in a post above, you can't get a waiver of any condition that was in place during the prior 60 days to get a refund in cash, per below extract:

 

*Please note the following restrictions:Royal Caribbean International will not waive their cancellation penalty and provide a cash refund, should you cancel orinterrupt your cruise vacation for any of the following reasons:

 a condition that first presents, worsens, becomes acute or has symptoms causing a person to seek diagnosis, careor treatment, or prompts a change in medication, during the 60 days before you purchased this waiver;

 

Now, of course, I may be wrong - the only opinion that really matters is that of the company that administers the policy, and the best way to know the usual interpretation of what is covered, waived, excluded, etc., is to buy from a good Insurance Agent who either knows the real meaning of the language in such insurance policies, or has experience with outcomes of those who try to collect on them (my home/car Insurance Agent can tell me plenty of stories if I ask). The same way a good TA may save one many hours of CruiseCritic research, so should a good insurance agent. I don't personally know of one for Travel policies.

 

Lastly, just like putting money down in the casino, buying a policy (or not) is placing a bet on an outcome. In my mind, if either you can't risk losing your travel investment or are worried what might happen if you get really sick in a foreign country (what I buy extra evacuation coverage for) they you probably want to buy your travel and a policy in a way that will give you the protection that you need. If you can't buy it that way, and still want to travel, they you have to be willing to take the risk.

Edited July 5, 2018 by WestfieldTraveler
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