GeezerCouple

To those posting recently (most of this thread is about a year old), in case you haven't read all of the previous posts... Please consider calling a travel insurance agent or a broker (who deals with several insurance companies and would therefore have a nice variety of policies to discuss). TALK with them. Not only would you get to ask questions, but they can then ask questions of you... to help them decide which policies might be of most use for your specific needs. We are among those here on CC who recommend www.TripInsuranceStore.com They are VERY patient, answer questions (and more questions!), and they do not try to "upsell". And IF it were necessary, they can help with a claim. (We had them review our first claim form, "just in case", as we'd never done anything like that before. After that, we just fill it all out, include receipts/documentation, and send it off. But it's nice to know there is "back up" IF there were to be a problem.) It can be *very* difficult to read/understand ALL of the assorted "fine print" of an insurance policy, all of the Terms & Conditions (T&Cs). It's too late AFTER the fact to find out that something you thought was covered... wasn't... As I've mentioned elsewhere, we've had quite a few claims, including some large claims, and they were paid without nonsense, and *promptly*. Our ONLY "complaint", if that word could be used in this context, is that we needed to file any travel insurance claims, and especially that we needed to file several. 😞 GC

[emphasis added] Whoa. We are not suggesting they stop normal activities! This is about travel insurance. ... and whether there would be coverage should a specific medical event occur. And I can ASSURE you that *IF* OP has another detached retina while traveling (or perhaps other related medical "event") it **WILL** be up to the TRAVEL INSURANCE COMPANY to determine whether there was any related/relevant "pre-existing condition". They won't care what I say, and very *importantly*, they won't care one bit that *you* declared there was not any pre-existing medical condition. (... not unless you happen to be on that particular travel insurer's medical staff, with decision-making authority, etc.) Full stop. And whether there was a pre-existing medical condition will depend in good part on precisely how that particular travel insurance company (that specific insurer, not other insurers, and not other people) defined "pre-existing medical condition". Have you actually read the definition of "pre-existing medical condition" in several of the insurers' policies? Sometimes it is sufficient that one was simply seen within a certain period of time by a medical practitioner about something, or a medicine prescribed... or even a *suggestion* that a medicine be taken, even if the patient declines to get the prescription filled, or some medical test be taken... or even suggested even if the patient doesn't have it done... ... to have it be determined by the insurer that there was indeed a pre-existing condition. GC

Whether it is a "pre-existing condition" would depend upon the wording of the specific insurance policy one has, and also how the insurer "interprets" that. We always get coverage that has NO exclusions for pre-existing conditions, so the possible issue never comes up. GC

Yes, they'd probably need to call to get a no-cost change. However, the airlines often have a required minimum time change to get the freebie. Whether this is enough... I don't know. They'll find out when they call! (We'd never schedule it this close anyway, so a 1 or 2 hour difference wouldn't be a problem. Having the first flight arrive AFTER the second flight already left!?? Uh, yup, PROBLEM!! 😱 We want to relax at the end of a trip! 🙂 ) GC

This sounds like one trip... or have I missed that one of the locations is a stay back at your own home? It sounds like you should just insure this as a "trip", and make sure to get the types of coverages that *you* want. Different policies can have different coverage types, different exclusions, different maximum amounts, etc. I'd suggest contacting a travel insurance broker who could help you select from several options. CALL so they can discuss your specific situation with them to help you find the best fit. We are among many here on CC who use www.TripInsuranceStore.com (But again, CALL; the online policy summaries cannot capture the fine print, and your own situation may have special details.) GC

I'm not quite following. If the airline is changing flight times significantly, it should be possible to have the flights adjusted without change fees. I'm not sure I would have just "waited" if my flight "dissappeared" for a few weeks (rather than a very short time, perhaps while a website was updated) without making sure there were suitable plans in place. (What if that flight had never been "put back"? And the new time certainly does *not* seem suitable!) The longer one waits to contact the airline to make any adjustments, the less likely it might be that seats are still available on a flight at a suitable/preferred time. Unfortunately, airlines do not always notify passengers when there are non-trivial flight time changes. We've had connecting flights, both on the same airline, same ticket, where suddenly the "first flight" was re-scheduled... to arrive several hours *after* the second flight was scheduled to depart. And yet we heard nothing from the airline; we found out by monitoring regularly. Because it was the airline's responsibility, we were then allowed to get ticketed on a different schedule that we preferred, but one that had previously not been allowed. This had involved award travel, so there had been no "award seats" remaining. After the flight time switcheroo, we had our choice of any flight if there were *any* seats at all. But we had to be very pro-active. That shouldn't be necessary, but... it can be. 😠 GC

When we looked into the possibility of getting an annual travel insurance plan, one thing was explained to us that we hadn't thought about (having never before thought about an annual plan at all, so no surprise!): IF one hits the maximum amount that can be covered/paid and still has other trips planned within that year, it may be too late to get any useful coverage for the remaining trip(s). That is, if "single trip" policies required starting the coverage within a certain timing of the first payment, or any other "deadline" of any sort, that may be impossible if one is "caught" suddenly needing to insure a trip that one thought would have been insured with that annual plan. That alone made it a non-starter for us. Also, the maximum total amount of coverage, at least when we investigated annual plans, was woefully low, given the totals that our trips had rather quickly started to cost. [That "total cost" issue was sort of a good news problem, as it meant we were having *such* good times, that we had pretty quickly upped the budget once we started this stage of our lives! 🙂 ] But for some situations, annual plans could be very useful indeed. Just make sure that "all the fine print" would work for you, or that you are willing to be fully/partly unisured for a trip or two at the end of the "coverage year". That could work for "trip costs", which are capped, and mostly predictable... but medical costs could be something else entirely! And *double* check about pre-existing medical conditions (including how the specific policy defines those) and maximum payments if you are looking for that type of coverage. Your questions about whether "trip cancellation/delays or just medical" costs are covered can only be answered by carefully looking at the Terms & Conditions of any policies that YOU are considering. What others have experienced could be very different. Some of that could depend upon where the travelers reside, given how insurance tends to be regulated. GC

Just terrific mental images...! 😱 GC

I can't speak to the differences in specific limits such as medical or medevac/etc., between "cruise line" and "third-party" insurance. For one thing, there are different types of policies of each, so there's no exact comparison like that possible. However, one very important reason we would never get "cruise line" insurance is that it wouldn't cover a lot of our travel. We may stay someplace for a few days prior to the cruise and ditto elsewhere afterwards, and these are *not* likely to be only the two ports. For example, if our cruise ends in Italy, we may spend several more days in other Italian cities, etc. Third party coverage would insure us from the moment we walk out the door to start our trip to the moment we walk back in. And we get to select from a variety of coverage choices. However, in our case, we've found one insurer/policy that works well for our needs AND they have paid without quibbling for several claims, including some large claims. And they've paid within about 2 weeks of our submitting all of the required documentation. Note: RECEIPTS are required; the insurers have a right to prevent/detect fraud, etc. But this has not been a problem. We've never had a receipt questioned, be it for medical costs, extra hotel nights, alternate transportation, or the refund of the full cost of an entire cruise and land trip that was cancelled before it started (twice, alas). [Edit added for full disclosure: We once forgot to get a receipt for the *tip* for avery small taxi fare, so the tip amount was declined. The amount was far too small to fuss over. The taxi fare was paid without question.] We are among those here on CC who work with and recommend www.TripInsuranceStore.com They are a broker (no extra charge to the travelers) who work with several vetted insurers. CALL them, and they'll speak with you and help you figure out what the most appropriate coverage is for your specific needs. (They do not try to upsell; quite the opposite.) We remain grateful to those here on CC who recommended TIS to us just over 10 years ago. Our very first large trip including a luxury celebration cruise, was cancelled at the last minute for medical reasons, and we got every cent back, when otherwise, it would have been a "100% cancellation penalty". GC

We usually get private tours, for both cruises and land-based trips. That's for two reasons. First, I need to rest frequently, and also can't keep up with a fast-walking group (or medium-walking!). Second, we want to customize the itinerary, and also have the ability to say something like, "Oh, this is wonderful, let's stay here longer and skip <whatever>. Can't do that with others! But we've also a few times just gotten off the ship, looked for a taxi, and arranged a half or almost full day of something like, "A tour around the entire island", or "... and please include a couple of nicer hotels we could take a quick look at for when we come back for a longer visit", etc. We've asked to be taken to "a beach with the most gentle surf, please" - and that worked out *very* well! I guess we've had good luck, but the drivers have turned out to be wonderful; that's not guaranteed, of course. Arrange a fee before you get into the taxi, either per hour or 'for the day, until <time>" or such. Arranging a private tour in advance allows you to arrange what you want to see, etc., so that's ideal if possible. Have fun! GC

Welcome to CruiseCritic. Are you able to look at a complete Deck Plan for the QM2 and look at other cabins in the same category? Can you ask your TA to help you find a better cabin, whatever that means to you, from what is available? The TA should be representing *your* interests in selecting accommodations and the cruise in general. Is that not happening? GC

The type of insurance we get, with the coverages that we want, requires that we include ALL non-refundable costs (and also includes the initial deposit even if that was at one time refundable). So we sometimes try to make hotels "guaranteed to a credit card" (and cancellable such as within 48 hours of arrival) but not actually "paid" to keep the insurance costs down. In some cases, it's the full non-refundable airline fare, too. In other cases, if there's a "change fee" or "cancellation fee", then that's all we need to insure. We try to use awards for wonderful premium international flights (best use of awards ever! 🙂 ), and then it's just the fee to return the awards to the account. Yes, any pre-paid but refundable costs do not get included in the total needing to be insured... for *our* policy type. Make sure that you understand how *your* policy works, etc. GC

This is such a good idea! A similar trick that this reminds me of: I have an allergy to a food that could be confused with other items. So now, we take a card (several, of course) that has photos and the word "Allergy" in English and in whatever language we expect to encounter. Now, every time we show it, the person (waiter, chef, etc.) suddenly opens their eyes, smiles, nods, and clearly communicates they understand. Usually, with that level person/staff/crew/etc., they know some English. And yes those bright colors,,,, perfect! Maybe next time, we won't have to take turns so often when a buffet is relatively crowded! Thank you! 🙂 GC

Oh yes... that "modern music" can be VERY strange indeed! 🤣 GC

Any update on the status of Maud, or expected return to service? Thanks. GC

Thanks so much. Do you have a link or brand name? I can't quite read what is printed on the curved back. We were just looking at the Able folding rollator mentioned above: https://ablelifesolutions.com/product/space-saver-rollator/ For *both* of them, do the legs or knees hit the seat when walking? That looks to be a problem, but it's hard to tell. Has anyone here used or tried both of these? And what about stability? It looks like the "Able" rollator *might* (?) be a bit more stable, because the weight from the hands (and thus body) is a bit closer to the person, and also a bit more "over the back wheels", whereas the other has the weight right between the two pairs of wheels. I don't suppose there are any suppliers who would have both in the store so one could compare? (that's a long shot!) It might be difficult enough to find one at a time "in person" to try before ordering...? Thanks again! GC

Sheesh, you'd think everyone would *know*! You do NOT wear your bathrobe to any dining area. Nope, NO bathrobe. There's no place to hang it up, so just wear your pyjamas without the robe! 🤣 GC

It may depend upon the ship, the DR staff, and the kitchen staff... especially the more senior ones who set the standards, and enforce them. It can also be important to impress UP FRONT if cross contamination is a SEVERE problem. Did you speak with head staff and make this clear? We (DH actually) did not have a problem on HAL, just before Covid appeared. But as I've mentioned, we also kept being proactive, and *every* meal. We'd remind the person seating us. We'd emphasize it to the person taking the order, and then, when *anything* was served, we'd emphasize, "This is the GLUTEN FREE version or <name of item>??" Also, we often find a particular waitstaff member or crew who are clearly more serious about their job. At that point, we ask the Maître d' to seat us there/with that waitstaff in the future, and mention why. We noticed on our HAL cruise that there were a few times when we were seated at what certainly appeared to be a two top that was not quite "in" that section, but more like "across the aidle". And the same waitstaff worked there with us. It was very much appreciated. We also made a point to complement the waitstaff to the Maître d' "early and often". That tends to get good service, too, and people who do pay attention, etc. But it all depends upon the actual people at the final stages... And unfortunately, "gluten" isn't something one can instantly detect. Otherwise, I could be DH's official "taster". 😉 We've found food service in assorted places to be quite responsive, if we spoke with a senior person. And the biggest surprise/treat was that in Italy, where DH was expecting to need to avoid most pasta? EVERY restaurant had GF pasta, and usually a nice selection. They just needed a bit of extra time. And in some restaurants, the GF bread or rolls was *better*, and I would then ask for it, too. GC

This was our experience, both for ship medical center treatment, and also for any other overseas medical care or related expenses. We paid, made *sure* that we got actual itemizedreceipts showing services provided (not just charge card slips), and then submitted the itemized receipts along with the claim form. This can include taxi fares, costs for a physician to come to the hotel... whatever. But receipts are required. (The insurer has the right to protect agains fraud, after all.) However, if the cost is likely to be prohibitive, and perhaps interfere with or delay treatment overseas, some insurers will try to make arrangements either to guarantee payment or to forward some money (e.g., by wire). But it might still be necessary to provide a hefty "up front" sort of deposit. We always travel with several charge cards that. combined, have a high credit limit. The *last* thing we'd want in the middle (or at the start of!) a medical emergency is to have time wasted while "payment arrangements" are getting sorted out. And in some locations, that IS what can happen, unfortunately, GC

I didn't mean to be totally discouraging about insurance if you've already made the final payment. When is your cruise? You should probably still call TripInsuranceStore, as they may still have a policy that would work for you (but without some of the coverage one gets by starting the coverage earlier). Also, although we do not ordinarily suggest the cruise-line insurance (several reasons), if that's what turns out to be best at a relatively late date, then you might consider it. Note: Most (not all) complaints about travel insurance claims involve either: 1) the event that caused the claim was never covered in the first place; or 2) there is a problem with sending in *all* receipts and in some cases (for some medical claims - not all) allowed the insurer to look at medical history (which would have been disclosed in the terms and conditions in case it might be relevant). TIS don't try to upsell. 3rd party insurance will cover you from the moment you leave your house until the moment you walk in the door (e.g., if there's an accident en route to the airport, etc.). Enjoy your trip! GC

Does anyone have any recent first-hand experience on HAL with whatever might be replacing Lincoln Center (short or long term)? Many thanks! GC

We strongly agree with the suggestion to call www.TripInsuranceStore.com But CALL them. There is a lot that isn't included in the online information, plus they can help figure out what *you* might need, which could be very different from what we, for example, need. Also, please browse through the Travel Insurance section of CC: https://boards.cruisecritic.com/forum/499-cruisetravel-insurance/ The mods may move this there soon. But the other posts have a plethora of discussion and recommendations and reports of experiences. This is what we just posted there:

We have used TripInsuranceStore.com also, after learning about it here on CC almost 10 years ago. And good thing, too. Our first trip with insurance, a very expensive trip for us at the time (er, times have changed! 😉 ) needed to be cancelled less than 2 weeks prior to our planned departure due to a medical emergency. Fortunately, our discussions with them (and lots of Q&A while we learned - pretty fast - about travel insurance) helped us to get the right policy, and all of our expenses were refunded in cash, about 2 weeks after we submitted all of the documentation. (In this case, we were more concerned about the medical issues, so we didn't deal with the documents for a while, until some of the emergency level issues were under better control). Our policy through TIS was with Travel Insured. Importantly, we've since had several other claims, including another large one. All of them were paid promptly. We have zero complaints, and we'll continue to get this policy, from TI, through TIS. There is no extra charge for using a broker. TripInsuranceStore has policies from several vetted insurers, and they can discuss your situation and help you figure out what types of policies might be best for your specific circumstance. But CALL them; don't rely upon the mini-summaries online, or even longer online summaries. Have a professional talk to you. Not only will you have questions, but they will probably have questions (e.g., any pre-existing medical conditions? frail family members not traveling with you? etc.). Time can be critical. The best choice of policies is usually available within10-20 days of your FIRST payment for the trip (such as the deposit, refundable or not). Differences depend upon state of residence. But even later, there are probably good policies available, until the day of final payment anyway. Our only complaint is that we needed to file travel insurance claims several times... 😞 But at least we got paid every time, and promptly, including for the large claims. GC

Ouch. 😠 Yes. I meant even our TA could NOT get that same fare we had found, Ah,.. if CC let us edit "later"... (even if it was only using strike-throughs so no original content was removed... Thanks for the catch. The only reason we ended up getting that fare on real tickets is that we knew our TA pretty well. So when we KEPT insistiing that we were really seeing that, he believed us (enough!? 😉 ) to call the airline. So don't be put off if the TA can't even see it. If necessary, just HUCA (hang up call again) and hope for better luck with the next agent! It made a BIG difference in our situation, so we were very grateful. GC

We've had this situation. In one case, surprisingly, even our experienced travel agent could "get the routing/pricing" as a single fare. So he called the airline, and apparently it took a bit of time to convince someone that there was indeed a fare "showing" for those connecting flights. And then... he was able to book us, at the fare we had seen, which was a very low fare1 So just in case your TA says it isn't showing or can't be done, have them call the airline and sort of "insist". My guess is that both our TA and someone at the airline did indeed look at matrix to "see it for themselves" before trying to deal with what might have been a wild goose chase. And I also don't know if there are sometimes flights/routings showing in matrix that really cannot be ticketed...? We thought for a while that we had found one, but with a bit of time and effort, it turned out to be a valid fare. GC