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About Jersey42

  • Rank
    Cool Cruiser

About Me

  • Location
    West Palm Beach, FL
  • Favorite Cruise Line(s)
    Princess or whatever ship I am on at the moment

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  1. @mitsugirly If greykitty's interpretation is correct and you have no health insurance at home, then you have been given correct information and unfortunately none of the GeoBlue plans will work for you.
  2. Hopefully this is not semantics with the word primary, but my understanding is you must have regular health insurance (the primary insurance) but if you have a claim, GeoBlue will pay as primary. I actually posted this question a few weeks on the Steve Dasseos forum. I also have geoBlue Trekker policy. There have been posts on this forum that speculate why you must have a regular insurance plan in order to purchase one of the 3 GeoBlue policies we have been talking about.
  3. not available to residents of FL, MN, MO, NH, NY, OR, PA, VA, WA It is from the main nationwide cruise insurance page. I believe the PDFs are state specific, so if you download one for one of the nine states, you won't see some of the port change language.
  4. If it is not too personal, I would be curious to know which plan you looked at and why it wouldn't cover your situation. I don't have the detailed plan documents available right now, but I thought the annual Trekker plans both covered pre existing conditions. I also thought the single trip Voyager choice plan also covered pre existing conditions. I believe the Voyager Essential plan was the only one that excluded pre existing conditions for medical services coverage. I know the plans that cover pre existing conditions for medical require you to have regular primary health insurance, but have you found other restrictions.
  5. Have you looked at the GeoBlue policies? They have primary medical and cover pre existing conditions. They also cover evacuations. The policies are not available in several states and they do not cover other travel related items such as cancellation and trip interruption.
  6. That's great. Let us know the end result after you file the claim. The Nationwide cruise plans come up periodically on the insurance and other CC forums because of the cruise specific benefits of the three policies. I don't remember seeing much (if anything) on how Nationwide actually deals with claims. For whatever it's worth, it looks like sometime in the past year or so, Nationwide has reduced the benefits significantly for the pre-departure itinerary change, so maybe they have been too good at paying these type of claims??? 😉
  7. Yes, Medicare A & B do NOT cover foreign travel. Unfortunately a Medicare supplement (Medigap) plan that does cover foreign travel is too limited for some people. $250 annual deductible (not a big deal) 80%/20% cost sharing, so you still must pay 20% of the costs. (can start to get expensive) $50K lifetime maximum (one incident could use up all of your coverage forever) This is why many people with a medicare supplement still take some additional travel medical insurance. Unfortunately, I do not have an answer for the original poster.
  8. I would also be curious on the answer. The Itinerary Change (prior to departure) section of the policy is very short and simple, and it does not appear you need to suffer a financial loss to be paid. But itinerary change is defined as "... the Cruise has a documented change of Port of Call from the scheduled itinerary". The policy does not define "port of call", but a common definition says "Port of call means an intermediate stop for a ship on its scheduled journey ...". So back to your original question, will an embarkation port change qualify as a port of call change? If not, will they cover your expenses to travel between Ft Lauderdale and Miami?
  9. Port charges, taxes and fees are typically lumped together on most cruise lines. All should be refundable if you cancel. If you want to be sure for a particular line, ask your travel agent or the cruise line for their policy.
  10. Another potential problem is the terms/conditions for the policies you can purchase at final payment may not work for some people. For example, I know of three companies that offer the pre-existing conditions waiver at final payment (CSA, Nationwide and Generali). The medical coverage on all of them is secondary. For someone who wants or needs primary medical insurance, these policies may not work for them. (i.e. Medicare with a Medigap policy has 50K lifetime maximum coverage with deductibles and co pays). There may be other policies that solve this issue, but other terms and conditions need to be looked at to make sure they work for each individual's own situation. As always, this is excellent advice for everyone.
  11. For others reading this, in addition to MD it is also not available in WA and NY. It is available in all other states.
  12. Others mentioned that you call an insurance broker to be sure you get the right advice for your situation. I fully agree. That said, here is some general information that will apply to most policies. You normally need to insure the full amount of your pre paid non-refundable costs if you are purchasing Cancel For Any Reason (CFAR) coverage or you are looking to waive the exclusion for pre-existing conditions. You do not need to include refundable costs (such as port charges) If CFAR or pre-existing conditions are not an issue, you can insure less than the full amount. Your maximum cancellation and trip interruption benefits will be reduced accordingly, but other benefits such as medical will not change. Insurance premiums are normally priced in ranges. A typical range is $500. So as you have seen, the price for $3001 is more than the price for $3000. But the price for $3500 should be the same as $3001. It never hurts to go up to the top of the range. The actual break points can vary by policy. You may also want to take a look at a current live forum where one of the brokers is answering questions like yours: https://boards.cruisecritic.com/forum/2441-qa-cruise-insurance-w-steve-dasseos-of-the-tripinsurancestorecom/
  13. Are you talking about one of the Nationwide cruise specific policies or something else? If it is something else, I am curious which one. If it is Nationwide (the one that comes up periodically on Cruise Critic), I hope Steve can provide some specific thoughts, or at least some general things to look out for. I have never bought a Nationwide cruise policy, but two things I have noticed: The maximum payout for the missed port/itinerary change coverage has gone down recently (there was a thread on this about 2 months ago) Some of the port/itinerary change coverage is not available in nine states. Mine is one of them.
  14. @Kfrech - here is one specific thread that talks about this approach.
  15. It was not me, but GeoBlue Voyager could fit those parameters. Unlike Trekker, Voyager is per trip coverage (not annual). Price is all dependent on trip length, age of travelers, policy limit and deductible. A one week trip for two 49 year old people costs a little over $52 for the best Voyager Choice plan (no deductible, $1 million medical and $500K evacuation).
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