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Everything posted by Babr

  1. My guess is that the insurance companies did not see this as Trip Interruption because the cruise line cancelled the trip and thus became responsible for refunding the cruise fare. From the letter posted earlier, the cruise line also provided funds for hotels and local transportation. They even paid for change fees. There was no loss to claim. No policy will pay for travel arrangements that were already used. Insurance reimburses only unused prepaid nonrefundable arrangements.
  2. That is right because you were delayed en route. It was not the same situation described by the OP.
  3. The Executive policy does cover Common Carrier delay under Trip Delay up to the policy limits defined in the Confirmation of Benefits, as I expected. The problem is that it is capped at $500. The other problem is that the delay was not caused by a Common Carrier on the way or retuning from a trip. The trip itself was interrupted. Trip Interruption does not mention mechanical breakdown as a covered reason. Also, check out #16 under Limitations and Exclusions. No benefits will be paid for curtailment or delayed return for other than covered reasons.
  4. I’m curious to know which Trawick policy you have. The ones I’ve looked at cover mechanical breakdown or other Common Carrier delays under Trip Delay. That is the provision of the policy that pays for hotels and meals if you are delayed X number of hours en route to or returning from your covered trip. Trip Interruption is the provision that gets you home and reimburses any remaining non refundable expenses if your trip is interrupted for a covered reason. I don’t think I’ve seen mechanical breakdown listed here. Of course, no policy will reimburse for travel expense used getting to a trip that is later interrupted. Trawick does offer a policy with Interruption for Any Reason, but it is an add on at extra cost, of course. It would be nice to know the name of a comparatively inexpensive annual policy that covers all this.
  5. The extra insurance was the one I was referring to. Am Ex Platinum credit card coverage will be of no use to you on this trip. It is secondary with a non-contribution clause. Your son sounds like an amazing young man. Enjoy your trip together.
  6. It is a legitimate concern. What happens to your child if you are hospitalized or otherwise unable to care for him? I expect your insurance has a provision for returning minor children. Check now so you know how it will be handled.
  7. Be careful about relying on credit card insurance. It does not cover pre-existing conditions. The exclusion applies to the cardholder, traveling companions, and family members. In the case of Chase cards, that includes non-traveling family members, which is a concern for you since you have several ill relatives. Credit card insurance is not designed to replace a comprehensive travel policy. Be aware of the gaps in coverage. Annual policies are good for medical/evacuation coverage but offer little in the way of cancellation.
  8. Did you increase the amount of the insurance when you won the bid?
  9. So you have discovered that in fact your Amex Platinum does not include $200,000 in medical coverage. Not to worry. Frequent travelers often pair credit card insurance with a medical only policy as an economical way to cover their trips. It can work as long as you understand that credit card insurance does not fully replace a comprehensive travel policy, and you are willing to assume the risk for the gaps in coverage. Amex provides $10,000 per trip ($20,000 a year) in cancellation/ interruption coverage. That gives you some protection unless you run afoul of the exclusions in the policy, or your total trip cost greatly exceeds the cap. Whatever you bought from Nationwide surely is better than the $10,000 medical/ $30,000 evacuation in the Carnival policy, if it were available. You may not have the coverage you thought you did with a premium card, but you do get other benefits like lounge access or hotel discounts.
  10. https://www.americanexpress.com/us/credit-cards/features-benefits/policies/ https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/61468/?linknav=US-Acq-GCP-BusinessCards-ViewAllCards-LearnMore-Platinum&irgwc=1&veid=yce2Lo1tqxyPU3AzCL15H0lvUkFRg0QHPWLV0s0&pid=IR&affid=1137073&affname=TPG&sid=SBS10051&pmc=92&rulename=&MPR=67 https://creditcards.chase.com/a1/23Q3/sapphire/dual?CELL=62DZ&sitelink=7&jp_cmp=cc/Sapphire+Reserve_Brand_Exact_Sapphire+Reserve_SEM_US_NA_Standard_Control/sea/p56274826623/Chase+Sapphire+Reserve&gclsrc=aw.ds&&gclid=EAIaIQobChMI67qJtePAgQMVOzrUAR0o-AooEAAYASABEgIacPD_BwE&gclsrc=aw.ds Just not finding where it says Amex Business Platinum includes $250,000 in medical coverage. I see the usual rental car, baggage, trip cancellation /interruption, and delay; but not a word about medical. I do see a link to travel insurance where you can buy medical coverage through Amex as separate build-your-own elements needed to complement coverage for those other travel risks already included or as a comprehensive package. Is that what you are talking about? Chase Sapphire Reserve, on the other hand, includes $2,500 in Emergency Medical - not a substantial amount, but many people rely on other existing coverage or pair CSR with an annual medical policy.
  11. Maybe it should have some direct impact on the voters so they’d be motivated to get involved. Nothing like lots of angry constituents to get the attention of Congress.
  12. Thank you for pointing out that the pre-existing conditions exclusion can extend to non-traveling family members as well. Many people don’t realize that is true even if they may be aware it applies to themselves and/ or their traveling companions. That is the most significant shortcoming of credit card coverage. None of them cover pre-existing conditions, and there is no waiver. The look back period means you have to be very careful when booking to be sure everyone in your circle is clear. Sometimes that is not possible.
  13. I’m not involved at all, but it did my heart good to see so many gracious and forgiving replies.
  14. You can still buy third-party insurance, but if you are concerned about medical expenses because of a pre-existing condition, it is too late to get a waiver for that.
  15. The effective date is usually 12:01 AM on the day after your premium is received. It is determined by the actual date the insurance company receives the payment. Did you pay for the insurance at the time of booking?
  16. Are you talking about Emergency Medical or Travel Accident? Not the same thing. FYI: The PP with unlimited coverage is from Canada. That is not the same thing, either.
  17. PP is aware of those cards but does not consider the $2,500 emergency care as adequate for foreign travel. A premium card with a nearly $600 annual fee is more appropriate for someone who travels often, not a couple of young people on a lark to Mexico.
  18. You’re right. I thought I was responding to the same person. Anyway, the information has been presented so anyone can avoid being caught unaware.
  19. Thanks. You mentioned emergency only. I understood that to be something different. Since you buy travel insurance as well, you’re completely covered.
  20. Credit card travel benefits cover cancellation, interruption, and delay - not medical. Wouldn’t help these girls or anyone else in a similar situation.
  21. Please consider that emergency services alone will not be enough. That does not cover hospitalization beyond what is required to stabilize you nor does it pay for any transportation to get home. It will not pay for your companion’s expenses while waiting for you to recover enough to travel.
  22. In this case, it appears the first hospital is capable of handling the injuries - if it would. My initial remarks were addressed to people who rely solely on their US healthcare policies when they travel. There are additional expenses besides medical that will not be covered in case of illness or injury. Trip Interruption is a separate issue. Any policy I’ve ever seen covers at least 100% of trip cost - many cover 150% - to allow for reimbursement of the unused portion of your trip plus the cost to get home. I suppose it is possible to max out depending on the refund amount due and the cost of a return ticket.
  23. Medical evacuation coverage in a comprehensive travel policy provides for hospital to hospital transfer if it is medically necessary. That, too, is the nearest one; it does not necessarily mean an air ambulance home. But it will pay to fly you home by commercial air when you have recovered enough to travel, even if it means first class with a medical escort.
  24. For medical. At out of network rates. Check to see what it does not cover like transfer to a better hospital or repatriation or any additional expenses for a traveling companion who is not hospitalized. Or return of remains, if it comes to that.
  25. The look-back period is the number of days from the effective date of the policy that the insurance company will look back at your medical records to determine if your claim is based on a pre-existing condition. Sixty days is common, but it varies among policies all the way to 365 days. Shorter is better because it exposes less of your history to scrutiny, though in your case it may not make any difference since you are already undergoing treatment. The examiner will look for any reported symptoms, test, diagnosis, treatment, or even a prescription change. A stable condition controlled by medication alone does not count. I can’t say how that would apply to you; however, if your claim is determined to be caused by a pre-existing condition, it will be denied. The exclusion applies to Trip Cancellation, Trip Interruption, and Medical Expenses. You’ll still have some level of emergency care, and all other coverage remains in place for unrelated medical problems or travel risks. Whether you can qualify for an exemption is complicated by your current circumstances. Your doctor must release you for travel before you can buy a policy. To get the right answer for your specific situation, call a professional. People on this forum are comfortable recommending The Trip Insurance Store as a reputable company with personal service.
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