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Jersey42

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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. It looks like you understand completely. Most comprehensive third party policies offer the waiver of pre-existing conditions if you buy within x days (typically 14-21) of making your initial trip deposit and you are able to travel when you purchase the policy. So it is not hard to get. Some policies actually let you purchase up to final payment date (in your case both dates are the same). Also many policies require you to insure the full pre-paid non-refundable cost of your trip in order to qualify. If you are looking at Travel Insured WTP then it is 21 days and full pre-paid non-refundable cost of your trip. If it is another plan, then be sure to confirm before your purchase. Don't forget that taxes/port fees are usually refundable.
  2. OK, I made some calls and got an updated guide to benefits for my older Chase Marriott card that I still use. In December 2019 they changed the terms so now Chase only covers the portion of the trip charged to the card. I don't recall having been informed of the changes, but I may have missed it. The good news, is this change does not impact me. But, now I want to find out what else has changed. Unfortunately the guide to benefits has been completed revised, so it is not easy to directly compare the old and new documents.
  3. For most people, good third party insurance is often cheaper with much better coverage. You should, check out tripinsurancestore.com on insuremytrip.com and call them with questions. Assuming your sister is a Canadian citizen, she will have to take a different route. If you are comparing coverage with Celebrity Cruise Care, here are some places where third party plans should be better: Celebrity only covers items purchased through Celebrity. Cancel For Any Reason (CFAR) coverage is a 75% cruise credit with a 1 year expiration date, as opposed to cash back. Plus, CFAR excludes flights purchased through Celebrity. Medical coverage is extremely low ($10K). Medical Evac is only (25K) which may not be enough, depending on where you are sailing to. No waiver of pre-existing conditions. Trip Interruption benefits max out at 100% of your trip cost. Others are usually 150%. Good luck. Talking with a good broker can be helpful. Also, sometimes purchasing within 14-21 days of your trip deposit is sometimes a requirement to waive pre-existing conditions clauses in many policies.
  4. The info I quoted was from the 5/2018 benefits booklet. The current booklet is a lot different, and the wording is a bit confusing IMHO. So I am not sure what they will cover. Here is a link to the full benefits booklet for Chase Sapphire Preferred. https://www.chasebenefits.com/sapphirepreferred Here is an excerpt from page 30. Bold red is my emphasis. Trip Cancellation /Interruption Insurance The Trip Cancellation and Trip Interruption benefit provides reimbursement for Eligible Travel Expenses charged to the Cardholder’s Account up to ten thousand ($10,000.00) dollars per Covered Person and up to twenty thousand ($20,000.00) dollars per Trip, if a loss results in cancellation or interruption of the travel arrangements. The Cardholder and Immediate Family Members are covered when the Cardholder’s name is embossed on an eligible Card issued in the United States, and the Cardholder charges all or a portion of a Trip to his or her Credit Card Account and/or Rewards programs associated with the Account.
  5. With my card (no longer available) and I believe all of the Chase cards you only need to charge some of your trip in order to be covered for cancellation and interruption benefits. Here is the wording for Sapphire Preferred. Confirming with Chase is never a bad idea, in case something has changed recently. Covered Trip means any pre-paid tour, trip or vacation when some portion of the cost for such travel arrangements less any redeemable frequent flyer miles, points, coupons or certificates, or other types of redeemable Rewards has been charged to your Account: • while the insurance is in effect • to a destination of greater than one (1) mile from your primary residence • and is for a time period that doesn’t exceed sixty (60) days in duration
  6. We have a GeoBlue Trekker policy which is an annual medical policy. It also offers medical evacuation benefits that we find acceptable for our needs. For Trip Cancellation/Interruption and other issues, it depends. We have a Chase card that offers some coverage, and in almost all cases, the limits on the coverage are ok for us. However there is a 60 day look back for pre-existing conditions. While this is not currently an issue for us, it can be for non traveling family members. For many trips, especially short trips from our home state of Florida, we usually rely on whatever we can get from the credit card. If we had to cancel/interrupt and it was not covered due to a family member's pre-existing condition, we are often willing to self insure that risk. For other trips, depending on the location, cost and current condition of family members, we may purchase a comprehensive policy that offers a waiver of pre-existing conditions. For an upcoming Panama Canal cruise we elected to go with the Nationwide Essential plan. It was inexpensive and it offers a waiver of pre-existing conditions. By the way, Chase Sapphire Reserve is expensive, but take a look at Chase Sapphire Preferred. It does not offer all of the benefits of the Reserve card, but the travel insurance benefits may work for you. Annual fee is currently $95.
  7. What policy did you buy? Some, if not many, insurance companies will let you transfer the policy to another trip if you cancel your trip and have not made a claim. It certainly will not hurt to ask.
  8. Yes. But Chase does not cover pre existing conditions for you or non traveling family members. So if the OP had the Chase card, there is a good chance that the mother's condition would have been a pre existing condition and Chase would not cover the cancellation.
  9. Good point, but I think this is an 'apple's to oranges' comparison. The third party policies being discussed here provide a cash refund when you Cancel For Any Reason. Royal, like many other lines gives you a 75% cruise credit that expires in a year. Plus Royal does not give you anywhere near the medical and evacuation benefits of other policies. For some people the extra time to cancel may be a big advantage. For others, the difference in benefits may be a dealbreaker.
  10. Thanks Steve. There is both conflicting or very cursory info on the internet. Plus it sounds like calls to insurers don't always yield consistent results. Personally, I keep an annual GeoBlue Trekker policy. The last one was renewed/purchased on 1/11/20, so I hope to be covered for medical in the rare chance I need it. I sometimes purchase comprehensive policies too, depending on the trip. My latest purchase was after 1/21, so I expect trip interruption coverage will be good unless it is related to coronavirus. Hopefully I will not need it.
  11. Let me be sure I understand. I buy a typical policy today that covers medical, trip interruption and medical evacuation. If I get sick or injured the policy should cover my medical expenses. If it is more serious it should cover losses due to departing the trip early including extra transportation costs to return home. And if it is even more serious it should cover medical evacuation. If the sickness was coronavirus, then none of the above would be covered? If sickness or injury are covered reasons, what let's them deny coverage for a specific sickness? Or am I misunderstanding?
  12. Wow, it is a shame that it takes so long. As long as you can wait it out, you should eventually be reimbursed. It doesn't help you now, but next time look for a plan with "primary" instead of "secondary" medical coverage. Sometimes, but not always, they cost a little bit more, but you can file medical claims directly with the travel insurance company and not need to get a denial from medicare.
  13. Hey Steve, AKA @iamtrustworthy, what does this mean? i.e. what is not covered in these policies purchased after Jan 21? Does this mean if you are infected with coronavirus, nothing will be covered by insurance including medical, trip interruption and medical evacuation? Someone else just asked a question about a policy they bought from another large insurance company. Specifically would they be covered for medical expenses if they were infected with coronavirus? They called the insurance company and were told the policy had no pandemic/epidemic exclusions and they would be covered for medical treatment.
  14. I do not know the answer, but based on things I have read, I would definitely call whoever you bought the policy from and ask them the question. You may also ask them to point out any relevant sections in the policy. If you did not buy directly from Nationwide, I would also call Nationwide and ask them the same questions. The reason I say both, is I recently found a different Nationwide policy that seemed to meet my very specific needs. I called one of the brokers that sells the policy and is frequently mentioned on this forum to ask a question. Unfortunately after pulling up the policy they gave me the conservative but wrong answer. When I called Nationwide directly they were able to give me a straightforward direct answer without pulling up anything, because they were totally familiar with their policy. Back to your question. If you contact coronavirus while on your trip, and you bought the policy after the epidemic was declared (1/20/20) there is a good chance the policy will not cover your medical expenses. If they say it will, you might want to get it in writing. If you search the internet you will find a handful of general information. For example AARP says "If you get sick while you're traveling, from the coronavirus or any other illness, most basic travel insurance plans include medical care and coverage if your sickness requires you to cut your trip short, as long as you bought your insurance before an epidemic has been declared. ". I know of several policies (not Nationwide) that will exclude coverage even though I do not see pandemic/epedimic exclusions in the online policy documents. Perhaps the exclusions are in there, but are written in a way that most mortals cannot understand. Good luck, and please let us know what you find out.
  15. Just to update. I posted some of the questions on the Princess forum about CFAR and EZAir. I did not get a lot of pertinent responses, but the two people who had put in a CFAR claim for a cruise with EZAir both received a combination of cash refunds and travel credits. One canceled 30 days before the cruise and received a 50% cash and 50% credit which was exactly what they expected. The other actually got a higher percentage of cash back than they expected. They did not know why, but they were happy. In both cases the EZAir credit was for future travel on the airline they had booked through EZAir. The credits expired in a year. See the thread below.
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