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About Jersey42

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    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. Try this: https://www.travelinsured.com/news-resources/current-events/2020/02/24/coronavirus-2020 Scroll down to Future Travel Credits.
  2. It looks like you have done your homework. Here is the comparison chart between the two plans. I am sure you have seen it, but it might be helpful for others: https://www.geobluetravelinsurance.com/products/multi-trip/trekker-compare-plans.cfm My take is is Choice is the way to go, if you have no other medical insurance that covers you out of the country. If you have other insurance, then Essential may be fine, depending on the terms and conditions of your primary health plan. I am not personally concerned about the differences in Emergency Medical Transportation Coverage, because Essential provides enough. I am also not too concerned about the other differences. For us, we chose Essential because our primary health insurance covers us out of the country. In most cases this coverage will be considered out of network. We have a high out-of-network deductible, but there is an out-of-pocket maximum for out-of-network coverage that is below the $50K maximum coverage for the Choice plan. So if we had a significant medical issue, we would submit first to our primary health insurance, then to GeoBlue as secondary. GeoBlue should cover our deductibles from the primary plan, and when the out-of-pocket maximum is reached, the primary plan should cover everything. Based on a conversation with our primary insurer and someone who sells GeoBlue, this should work. Hopefully we will never have to find out.
  3. The original memo said all cruises through 4/14 were cancelled. Is it now indefinite, or have they announced a new date?
  4. Also remember the FCC under the new policy will be for the non-refundable amounts. You will get something back in cash (or a credit card refund). All of your taxes and port fees will be refunded Then depending on when you cancel, some of the remaining payments may be refunded in cash as shown in the first table of post 2. Whatever remains is your FCC that must be used as stated in post 3.
  5. You did not mention the cruise line, but both of the other posters have given you good information. Here is a little more: No policy will cover your taxes and port fees because they are normally refundable. Exception may be if you are one one of the premium lines that bundles taxes and port fees into the price. I don't know how that works for sure. All cruise lines that I am aware of except Holland America give you a cruise credit for CFAR. Holland is cash. If you cancel for a covered reason, then you get cash back. If you have a CFAR policy from the cruise line and you also cancel flights, the air fare may or may not be covered depending on the cruise line and where you bought the tickets (i.e. through the cruise line or on your own). Some lines specifically exclude airfare from CFAR, even if purchased through the cruise line. Similar issues with pre or post cruise hotels.
  6. Thanks for the info. I am guessing Social will not work for us, Surf probably will and Premium almost certainly will. I will confirm with staff onboard, but it is nice that they will let you start with one plan, and allow you to upgrade for hopefully just the price difference if we need it.
  7. The information below is the latest information I have seen regarding HAL internet plans. It matches what I believe was offered a few months ago on our Nieuw Amsterdam cruise. Internet plans: Social. Social sites only (FB, Twitter, etc), 250MB/day limit. Surf. Most sites, but no video streaming. 300MB/day limit. Premium. Most sites, including video streaming. 500MB/day limit. My main question is does HAL block most sites, IP addresses or ports on the Social plan? Do they do the same thing to a lesser degree on the Surf plan? On our upcoming cruise one of us will need the ability to send and receive texts (our phone and carrier let us do this over wi-fi) and send/receive occasional emails through an email app. There is also a possibility that we may need to make a wi-fi call (again our phone and carrier let us do this without a third party app such as Skype etc). We have no problem with data limits (if they are enforced). We also do not need to connect more than one device at a time. So, what is the cheapest plan that will meet our needs? If HAL lets you upgrade the plans, my inclination is to try Social and see if texting and email work. If not then try the next level and possibly the third. We can worry about the phone call if it becomes necessary.
  8. Ok. I was aware of the Nationwide policies that @klfrodo referred to. Who else offers missed port coverage? I would love to take a look at another policy that covers missed ports as the Nationwide policies do not offer this coverage in Florida and eight other states.
  9. Please let us know what happens with Nationwide. My question is: Assuming you did not lose money from a pre-paid excursion, and NCL did not cancel the port at least a day before the cruise departed, will Nationwide consider this a covered itinerary change? They have a list of five covered reasons and the only one that might meet your situation is 5) a delay leaving or arriving at/from a Port of Call of more than 3 hours from the scheduled itinerary. So does skipping a port count as a 3 hour+ delay? I saw a similar thread a while back on this subject, and don't recall seeing any updates. One suggestion from that thread regarding documentation was the "Log of the Cruise", that many lines put in your mailbox on the last evening of the cruise. My guess is you do not have one, but I figured it was worth a shot. Here is the Nationwide wording: ITINERARY CHANGE - INCONVENIENCE In the event a Cruise makes a Change in Your Trip Itinerary after Your actual departure date we will pay up to the Maximum Benefit shown on the Confirmation of Coverage. Change in Your Trip Itinerary shall mean the Cruise has a documented; 1) fire; or 2) mechanical breakdown; or 3) virus that affects 30% or more passengers; or 4) an event on board that suspends 30% or more of the ship’s services for 24 hours; or 5) a delay leaving or arriving at/from a Port of Call of more than 3 hours from the scheduled itinerary. Verification by the Cruise of the change in the scheduled Trip itinerary will be necessary for claim payment.
  10. It does not help the OP, but Carnival's Vacation Protection plan covers independently booked airfare up to the total amount paid if you cancel for a covered reason. I bet there are gotchas. A few things I noticed: Independently booked airfare is not covered if you Cancel For Any Reason (CFAR). If you booked airfare through Carnival, it is unclear to me if this would be covered under CFAR. Carnival cancelling the cruise is not a listed covered reason. Not sure what happens in this case with the airfare. If the airline lets you use your airfare for a future flight, then I doubt Carnival will reimburse you for anything more than the change fees.
  11. Wow, that does not seem fair but it may be true. Look at the policy document and see if it addresses this situation. You may also try talking with the airline and see if they will do anything. What insurance did you buy and who did you buy it from? I would go back to who you bought it from and ask for their advice. Hopefully they can intervene for you. FYI: Here is the wording that Nationwide uses in at least one of their plans: c) If the Travel Supplier cancels Your Covered Trip, You are covered up to $100.00 for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Covered Trip including the airfare.
  12. I think you have gotten some reasonable advice from some of the other responses. Let me add/expand a little. The big question is what are you trying to insure? Medical/evacuation, cancellation for covered reasons, Cancellation for any reason (CFAR), trip interruption or ??? The next question is what do you already have? As @klfrodo said, your primary medical insurance may cover you for most if not all of the trip. Make sure you check with you insurance first. Some credit cards will provide cancellation (for specified reasons) and trip interruption benefits. Another question is your risk tolerance. I don't want to be hit with a potentially large medical bill, but I am often willing to absorb the cost of some cruises in the unlikely case I had to cancel at the last minute. Now for a few specifics on the plans you mentioned: Holland America's Platinum plan is in my opinion the best cruise line coverage for CFAR. You can cancel and get 90% back in cash. Third party plans usually offer 75% back and other cruise line plans only give you a cruise credit, often for only 75%. So it is a good choice for CFAR if most/all of your pre-paid non-refundable costs are with HAL. But, if you need medical insurance, HAL's plan is the worst, offering only $10K in medical coverage. I have an annual GeoBlue policy, but I would not recommend one of their policies for you because it only covers you outside of the US. So Alaska would not be covered. I don't know about coverage while on the ship sailing in US waters. If you need medical, other trip policies would not have this limitation. I strongly suggest you discuss your situation with one of the insurance brokers mentioned in this forum. They will probably not discuss the HAL plan, but at least you can get a third party plan recommendation and then make a decision. I like tripinsurancestore.com and many others have had good luck with insuremytrip.com.
  13. Definitely NO as a covered reason with 100% cash back. But it should be covered under the Cancel For Any Reason provision at a 75% future cruise credit. Based on some other threads, if you elect to cancel, and they ask for a reason you might want to say "We changed our minds". I am still not sure why this should make any difference.
  14. 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.
  15. 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.
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