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Babr

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  1. It is not unusual for an insurance company to allow you to apply coverage from a cancelled cruise to a second one at a later date. The problem, as you have identified, is the uncertainty of cruising in the foreseeable future. Then what? Some companies have given cash refunds for policies, but I don’t think it is typical rather an accommodation in the face of extraordinary circumstances; namely mass cancellations by cruise lines in the face of a pandemic. Contact the company to see what they will do for you.
  2. Which part are you disagreeing with? I think we are on the same side. I was saying there is a case for refunds since the insurance company had little risk. How are you out $1000 if you got a refund?
  3. True. The point I was making is that meeting Hawaii’s requirements may not be so simple for lots of people. We have never had access to on-demand testing. I don’t know how I would get that done if I wanted to go to Hawaii. The 72-hour window would be a scramble if other labs were not part of the electronic reporting system for airlines. I haven’t looked into it since I’m not traveling anywhere, but it seems that finding a place that would do the test and report in a timely manner would be close to impossible.
  4. I’m not sure I understand your definition of cancellation. I thought cancellation was before the trip started as defined by effective date in the policy. The first day of travel defines the effective date for the rest of the coverages. Once you are on your way, it is not considered cancellation anymore. Problems that would cause you to cease travel are considered trip delay or trip interruption. As I understand it, cancellation coverage ends once you depart from home. You were covered for cancellation from date of purchase up until the cruise line cancelled. Since the cruise line offered compensation in the form of a credit or refund, you suffered no loss; hence, the insurance company had no responsibility to reimburse you for the cost of the trip, and they never bore the risk of covering actual travel.
  5. One could make the case that not using (filing a claim) on medical or car insurance is not the same as not using travel insurance for a cruise cancelled by the cruise line. Medical and car insurance are still covering the risk of your having an illness or accident throughout the policy period whether you do or not. The travel insurance was covering only the risk cancellation (not the other portions of the policy that take effect once travel begins) up until the cruise line cancelled the trip. They were never at risk for trip delay, trip interruption, medical, evacuation, and various coverages that apply only when travel begins. At least, perhaps, a pro-rated return of premiun?
  6. Thank you for providing more details. Having it all done electronically simplifies the process - unless someone unexpectedly tests positive and isn’t notified before going to the airport. That would be a nasty surprise and possibly exposes lots of other travelers even if boarding is denied. I’m not sure that people in my area could get the test anyway. CVS requires registration and screening for symptoms because of the limited number of tests according to their website. Hawaii is smart to implement strong measures. We are seeing what happens when states don’t.
  7. The governor’s order posted on the Hawaii Tourism Board’s web page states that the test must be an FDA approved version conducted by a CLIA certified lab 72 hours prior to arrival ( or maybe within 72 hours. I have forgotten the precise language). I’m not sure Princess could meet the certified lab requirement - a waiver perhaps. Seems that testing prior to boarding alone, as you pointed out, would not be enough because someone could be exposed getting to the ship even after a negative test. Without a test, the 14 day quarantine applies. Still some hurdles.
  8. The location was fine. It had a private entrance from the deck with a hallway leading to the suite door. We never saw anyone else in that area. The bridge is further forward down the hallway. Officers and crew accessed the bridge by way of internal crew-only stairs so we never saw or heard them; however, the windows of the suite look out onto the deck so you can see people walking by, but I never did see anyone trying to look in. We did have one rainy day and had to use the crew stairway in order to avoid walking on the open deck in the rain. The doorway at the bottom of the stairs opens directly into the dining room. Even if you don’t book the suite, look for the door when you are in the dining room. Now you know where it goes. There was no noise. The room felt spacious. It was purpose-built as a suite rather than being converted from smaller cabins like the suites on Deck 3. There was a large room adjoining the bedroom with nothing In it but a huge bath tub and a couple of cabinets - wasted space as far as I’m concerned unless you enjoy soaking in a big tub. The actual bathroom, which is small like the bathrooms in regular cabins, is entered through the “tub room.” The closets actually are adequate. It was the tiny dressing table, really no more than a cubbyhole, that was built into the wall in a corner of the closet that I found useless. It never occurred to me that I would not have a place to do make-up and hair other than the bathroom. Even that was problematic since there is only one small bathroom with no outlets for a dryer or flat iron. I expected better than that in a suite.
  9. I have two complaints about what is now called the Officer’s Suite. I can’t say which is more bothersome. I guess it depends on what is important to you. First is the lack of electrical outlets. They are located on a strip along the baseboard. Most were behind furniture and were in use for lamps, TV, video system, etc., making them inaccessible for anything else like charging your iPad or phone. There was one visible near the night stand. I think the cabin steward used it for the vacuum cleaner so when we charged something we had to leave it on the floor overnight and be sure to pick up everything in the morning. Just as bad was the dressing area. It was a cubbyhole built into the closet in the corner. The only lighting was a make-up mirror plugged into an outlet in the kneehole of the dressing table. To use a hair dryer or styling tool required getting on one’s hands and knees to crawl under the table to use the plug. The engineer brought me a huge heavy duty extension cord which coiled into a rat’s nest at my feet for the duration of the trip. I ended up making many trips back and forth to the bathroom to check my progress for hair and make-up every time I got dressed. No, there are no plugs in the bathroom that will accommodate styling tools. I was extremely disappointed in the suite as far as functionality. I would not have booked it had I known. I don’t know if those things were addressed in the recent renovations. It is my understanding from my conversations with the engineer that it was impossible to change because of the vintage of the ship and the wiring arrangements/ requirements for that deck. if those limitations would bother you, be sure to ask before you book.
  10. I hate to see your question sit around so long without a response. Maybe it is because fewer people frequent these boards nowadays. Covid, no doubt, is changing cruising and travel insurance to cover it. I’ll give it my best shot as I understand it today. Cancel for any reason is your only bet for recovering anything should you choose to cancel for a non-covered reason. As you have found, it is expensive and harder to get. Insurance companies are well aware of the risk and are not likely to offer more generous reimbursement than the policies you’ve already found. As far as reimbursement for air, unless you buy refundable tickets or the airline cancels the flight, you are not likely to get cash back. Usually, the airline charges a cancellation fee and gives a voucher to be used within a year. In that case, the insurance company may cover the fees but does not cover the full cost because you were compensated by the airline with a voucher. It is probably best to talk to a travel insurance agent if you haven’t already. Getting the right policy has always been a challenge as many have discovered after the fact.
  11. When the cruise line cancels, they are responsible for reimbursing you. Neither Princess insurance nor any third-party insurance will pay under those circumstances. The cruise line is obligated to give you a refund or a credit, so you have suffered no loss to file a claim. It is real insurance in that it covers the risks listed in the policy. The cancel for any reason part is not insurance. It is a courtesy extended by Princess as incentive to buy the policy, but it is only in the form of a cruise credit and worthwhile only if you can use it. A lot of people found it to be an attractive feature because third-party insurance charges a significant premium for such coverage and pays out usually at 75%.
  12. Steve from the tripinsurancestore website answered the part about default on the Celebrity forum a while back. Let me see if I can summarize it correctly. Financial default deals with third party even if that exact language may not be in your policy. In other words, if you booked directly with the cruise line, you would not be covered because it is not a third party. You would have to have booked through a travel agent, who is the second party, and the cruise line then becomes the third party. Also, the cruise line has to stop operations completely - not just suspend temporarily for financial restructuring. It does not cover second party default- the travel agent - but that is not the issue here. As for the second part of your question, if government action is listed as an exclusion, then I would expect the cruise line to be responsible for compensation because they are the ones cancelling the cruise even if it is a forced action. Even if you bought it before Covid-19, the exclusion was already there and refers to any “government action or prohibition.” I would not think that the insurance company would cover such a cancellation, but I am not sure because so many things have changed as all parties try to deal with Covid-19.
  13. Tampa Bay Times reported that the Medical Examiners were reporting death numbers, but the state made them stop because their numbers did not match the numbers of the state health department. No information forthcoming for several days. Maybe that is what poster was referring to.
  14. True. Any changes in coverage will have to be approved. Does that apply to each company’s policy for handling refunds as well or can those be determined by the company?
  15. Since the cruise lines are in the process of determining policies going forward, there is still some uncertainty about requirements for who will be able to sail. Nevertheless, if the doctor will not sign a fit-to-sail letter for the foreseeable future, then a credit for insurance is useless. I imagine that insurance companies will have to adjust their policies to include these rapid changes in the cruise industry. Refund policies in place today may change. As advised, it is probably best to speak directly to the insurance company about your options. Insurance issued by cruise lines is underwritten by insurance companies, not the cruise lines themselves. You can find contact information on the policy.
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