gailellen12 Posted January 8, 2022 #1 Share Posted January 8, 2022 I will be traveling solo on HAL in early summer and just looked at their platinum insurance plan. I do like the cancel for any reason clause but not their low medical coverage. Likewise another company provides just very good medical and no trip cancellation. I could get both for a very reasonable price. Any thoughts? Has anyone done this? I would not double dip if I needed to file a claim but just file with the company depending on which circumstance has arisen. (Need to cancel or medical emergency). Thanks in advance Link to comment Share on other sites More sharing options...
canadianbear Posted January 8, 2022 #2 Share Posted January 8, 2022 As a Canadian we have bought both, especially on longer expensive cruises. We purchase the HAL premium plus we buy medical from our local carrier. Link to comment Share on other sites More sharing options...
iamtrustworthy Posted January 9, 2022 #3 Share Posted January 9, 2022 On 1/8/2022 at 12:15 PM, gailellen12 said: I will be traveling solo on HAL in early summer and just looked at their platinum insurance plan. I do like the cancel for any reason clause but not their low medical coverage. Likewise another company provides just very good medical and no trip cancellation. I could get both for a very reasonable price. Any thoughts? Has anyone done this? I would not double dip if I needed to file a claim but just file with the company depending on which circumstance has arisen. (Need to cancel or medical emergency). Thanks in advance Hi gailellen12, There is no problem getting more than one travel insurance plan for the same trip. However, since you are considering getting the platinum plan with its cancel for any reason coverage, it's important that you if you use the cancel for any reason and are issued a future cruise credit, that you don't cancel the second trip. The reason is that that credit itself is not insurable. If you called us telling me you had a future cruise credit from a trip you had voluntarily canceled and you wanted to insure it, I would tell you that there is no way to insure that credit. So, the risk you're taking by receiving a future cruise credit when you voluntarily cancel a cruise is canceling the second trip because if you do, you will lose all the value. I hope this made sense, Steve Dasseos Link to comment Share on other sites More sharing options...
Jersey42 Posted January 10, 2022 #4 Share Posted January 10, 2022 FYI. Holland America is unlike all of the other cruise line policies that I know of. All cancelations are for any reason and you are paid in cash. It is either 80% or 90% depending on standard or platinum. You never have to worry about a covered reason. Downsides include: you never get 100% back, and as the OP indicated, the medical coverage is very weak. 2 Link to comment Share on other sites More sharing options...
gailellen12 Posted January 10, 2022 Author #5 Share Posted January 10, 2022 1 hour ago, Jersey42 said: FYI. Holland America is unlike all of the other cruise line policies that I know of. All cancelations are for any reason and you are paid in cash. It is either 80% or 90% depending on standard or platinum. You never have to worry about a covered reason. Downsides include: you never get 100% back, and as the OP indicated, the medical coverage is very weak. I guess it comes down to which is more important -the ability to cancel for any reason or strong medical coverage. It is hard to find a policy that takes care of both at the same time; especially if you are purchasing it closer to the final cruise payment Link to comment Share on other sites More sharing options...
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