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About ablodget2

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    Cool Cruiser
  1. Yes, NCL insurance will reimburse you for the days missed, as well as port fees and taxes for those days and any prepaid gratuities. Again, everything must funnel through Medicare as your primary, if applicable, then any secondary insurance, then NCL Travel Protection. They can only reimburse after everyone else has done their part. I found NCL to be very considerate and helpful when being evacuated from the ship. Their insurance did everything I would have expected them to do. Reimbursement for missed days and other NCL related expenses will be paid promptly because they have all those records. I didn't have to furnish any other paperwork for that part. Be sure to keep receipts for everything you can even though it is such a difficult time. Glad he is doing fine and home.
  2. We can relate to this situation. My husband was diagnosed with pneumonia when we were on the Dawn last March. We were forced to leave the ship in Roatan and then airlifted to San Pedro Sula in Honduras. After five days in ICU there, we were sent to Florida by air ambulance. We had NCL insurance. I contacted them and they made all arrangements and paid for the transfer to Florida where he was admitted to the hospital in Broward County. They charged $22,000 and the insurance coverage was $25,000, so not much to spare. We did not have to put any money upfront. The hospital was a different story. Had to pay a $4000 deposit, then submitted bills to NCL, Medicare and Blue Cross Medicare supplemental policies. Had to wait for Medicare denial, then Blue Cross paid some to the hospital, NCL reimbursed us for the $4000 deposit and the $5500 cruise ship infirmary bill. I found AON insurance, which handles NCL claims, to be very reasonable to deal with and knew exactly what they needed. Medicare was the hang up because they took so long to deny the claim. Unfortunately the NCL insurance is only for $10,000 medical, but the air ambulance coverage was such a relief. We will continue to buy NCL insurance, but we also add a policy with $100,000 medical and $500,00 evacuation. Hope your parents return home soon and safely. Good luck!
  3. Medical emergencies onboard are a nightmare! We experienced one in March aboard the Dawn. My husband contracted pneumonia onboard and on Thursday we had to call 911 on the ship. An attendant with a wheelchair was at our cabin within minutes and we went to the onboard medical facility. He has COPD and his lungs filled with water due to the pneumonia. I truly believe the medical staff saved his life. No, it wasn't cheap, over $5500, but life saving. After they stabilized him, I was informed we would have to disembark. We were in port at Roatan. I was told to go pack up and meet him back at the medical facility. As I went up the elevator I was obviously in distress. A woman on the elevator I did not know got off with me and offered to help. As I entered our hallway I noticed a ship officer and I asked him to contact our room steward for assistance. He asked who I was and told me he was there to help me. What a relief! I had a million questions and he answered all of them. He escorted me to guest services and told me to use their phone to contact anyone I needed to back in the states. To tell you the truth, I hadn't even thought of that at the time. I found the NCL personnel very accommodating. When we disembarked the ambulance was waiting and so was the NCL Roatan port agent who stayed with me all the way to the hospital, including escorting me through local customs. We were transferred by air ambulance to Honduras to a larger hospital a few hours later. NCL was in constant contact with me to check on my husband. When we arrived at the larger hospital my husband was admitted to ICU for 5 days. No, neither of us speak Spanish. I found the people at the hospital to be exceptionally helpful. They gave me a two room suite to stay in and provided me with three meals a day. Yes, the area was scary. Armed guard patrolled all hallways in the hospital. I never had to leave the facility. NCL called me at least once a day to check in and were extremely compassionate and helpful. My iPhone translator was a huge help. My daughter arranged for my cell phone to have an international pkg added to my plan for a month for $60 which was really helpful. Yes, we had NCL insurance. After five days we were sent by air ambulance to Fort Lauderdale at a cost of $22000. I never saw a bill. NCL covered it completely. Other bills are still pending. The big hold up appears to be Medicare at this time. They move at a snail's pace. NCL continued to contact me at least once every day, even after we arrived home after a three day stay in hospital in Florida. I find it odd that the OP felt her family was getting no assistance. I would encourage them to go to guest services and ask about using their phone to call. Also be sure someone has an international plan on their cell phone. I wish them all the best and hope for a speedy recovery. My husband is still recuperating, but getting stronger every day. He did say, however, that he may never cruise again. Not because of how we were treated, but because he doesn't know if he could survive another illness like that so far from home due to the stress.
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