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Babr

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  1. Lots of good information. Thank you.
  2. Thanks for your detailed answers. I have lots of research to do before booking.
  3. Thanks, skynight. Did the tour of Sydney include an interior look at the Opera House or just a drive-by? Were you bothered by insects during your outdoor activities? What about the people who choose not to snorkel at the Reef?
  4. How would I find some reviews of the land portion of the Australia cruise tours? I have used the search function here using several combinations of search terms, but there are way too many unrelated results. I tried a Google search using Princess Ultimate Australia and found one thread here on Cruise Critic from 2017. There are bound to be more. I just can’t seem to find them. I’d appreciate any help or some first-hand experience from anyone who has done the cruise tour. Thanks.
  5. Circular reasoning here. The whole question was whether the CFAR coverage was part of the insurance. I contend it is not. It is a credit directly from Princess. The insurance company is providing no benefit though they may administer the claim. It is as good a place to start as any. Should have quoted Colo Cruiser here for continuity.
  6. No, travel agents are not insurance agents, but they are paid a commission to provide service to their customers. Perhaps the travel agent could at least provide contact information to get the process started.
  7. Actually there are policies that cover pre-existing conditions when purchased at final payment. The cancel for any reason coverage requires an additional premium. It can be pricey. Your FIL’s situation might be covered under regular cancellation. Just be sure the pre-existing condition clause does not refer to members not traveling with you. I know. It is complicated. I suggest you call an agent at insure my trip or the trip insurance store. Explain your situation, and they can recommend the right policy.
  8. I think not because the cancel for any reason coverage is not part of the insurance. It is a courtesy benefit extended by Princess itself. Call Princess or your travel agent to find out the process, but your friends will not be dealing with the insurance company. They will not be getting money back, rather a cruise credit to be used in a specified amount of time. As a side note, the cruise booked with the credit they receive cannot be insured for cancellation because insurance companies do not recognize credits as a form of payment. They can still get the medical and other features of travel insurance, just not cancellation. The point is that they must use it or the money is gone.
  9. The primary concern for buying it at the time of booking is to get coverage for pre-existing conditions or cancel for any reason. There are policies that allow a waiver for pre-existing conditions at final payment, but I don't think that is true for CFAR coverage. If those things don't concern you, then you could purchase travel insurance at either time. Just know that any doctor's visit or prescription change in the look-back period can be viewed as the basis for a pre-existing condition if it causes you to cancel after final payment. Without the waiver, your cancellation coverage is void. Be sure you understand how pre-existing coverage works before you dismiss it. Cancel-for-any-reason is your friend if you have a sick old dog or if you live in a hurricane prone area and choose to travel during hurricane season. Travel insurance isn't very forgiving of the uncertainty of an approaching storm. You have to be in the jaws of one to cancel. I'm sure there are plenty of other scenarios. People have their own reasons. The things to know are that it is pricey to add to you policy, and it reimburses about 75% of your costs.
  10. I have not seen anybody mention that helicopter evacuations are done by coast guard/military operations. You can't buy insurance that will provide that service. When a policy says it provides evacuation to the nearest hospital, it usually means an ambulance. When you get there and are stabilized, then doctors and the insurance company decide how to proceed. They may keep you until you are well enough to travel home by commercial air or you may require medivac, but understand that the insurance company doctors will be involved in the decision of when and where. They will probably take you to the nearest hospital they deem capable of handling your case. If you want to avoid that, you can get something like MedJet that will fly you to the hospital of your choice, but once again you have to be stabilized first. A private company is not going to rescue you from a ship at sea.
  11. HThanks for the explanations. That is why people need to consult a professional. So the advantages of primary insurance are to (a) simplify the claims process if the claim is within the limit and/or (b) protect the lifetime limit imposed by Medicare supplement plans? Correct? Do all insurance companies routinely advance payment for hospital admissions? Others here have reported using credit cards and being reimbursed later. Is that necessary in some cases? Advantageous?
  12. As I said earlier, there are some companies that will guarantee payment in order for you to be treated. Of course it depends on the hospital being willing to accept those terms. There are probably places in the world where that could be difficult. Ask how that situation will be handled before you buy a policy. A professional can guide you, but it is my guess that the insurance company will assist you in making the necessary arrangements. They can’t afford to have customers stranded.
  13. Primary insurance isn’t necessarily more expensive, but it does have limits and only pays up to that maximum. If you had a travel policy with a $25,000 limit, your regular insurance would still have to cover the remaining $14,000; and you’d still be out of pocket for co-pays and deductible required by the terms of your primary insurance. Consider whether you’d be better off letting your regular insurance serve as primary since it is unlimited -unless, of course, you are dealing with a Medicare supplement - and letting a secondary travel policy pick up any out of pocket expenses remaining after the initial claim is settled. Or get a primary travel policy with really high limits.
  14. Apparently they are defining a change of itinerary narrowly as a change in port of call without regard to the change of scheduled time in port. is the cruise line offering any kind of compensation for the abbreviated schedule?
  15. The only thing I can add is that dealing with Tripmate can be problematic. I had never heard of Nomads until I saw the name in numerous complaints on the Better Business Bureau website for Tripmate. I was looking because Tripmate also administers the plan offered by Viking cruises, but Nomads was the other company mentioned specifically.
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