Babr

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.

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.

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.

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.

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.

To my knowledge, the wording has always been in the policy. Perhaps it was a temporary exception in place during the pandemic that has since expired.

You probably know that evacuation coverage provides for hospital to hospital transfer if it is medically necessary. It is to the nearest hospital and does not necessarily mean repatriation by air ambulance. Most often the patient is treated locally and returned home by commercial air when he is able to travel. That may mean first class with a medical escort if necessary, but air ambulance isn’t as common as people would like to think. That is why many comprehensive policies offer $500,000 or $1,000,000 in coverage. They never have claims that high, but you would be fully covered. The doctors and the insurance company make the decision as to when and how you are moved. As you can imagine, air ambulance is reserved for extreme cases - perhaps severe brain injury that will not be resolved in a reasonable amount of time. MedJet Assist gives you more control over the decision, but it too has some limitations.

There have been class action lawsuits against cruise lines for overcharging port fees. This is not the same; nevertheless, I don’t think the practice of making profit from government fees would stand. Royal must explain this with an itemized statement.

In the US, there are policies that offer trip interruption for any reason. It is an optional feature for an additional premium. It is a time sensitive purchase with a range of reimbursement available. I found a good explanation with a list of providers at Squaremouth, if anyone is interested in more information. As far as medical coverage, most policies today cover COVID as any other illness.

Not likely. It is about 40 miles to the nearest airport. Intercontinental is about 70 miles.

It probably depends on what kind of insurance the OP has and whether the cancellation involves a pre-existing condition, with or without a waiver. If third-party insurance is involved and the claim is covered, all reimbursement would be in cash. Cancellation for a pre-existing condition without a waiver would result in denial for that person, but single supplement coverage would still apply. Princess, on the other hand, does not cover pre-existing conditions and reimbursements would likely be a combination of FCC for a non qualifying cancellation and cash for single supplement.

Not all good for grandpa to be a no-show and file after the fact. Reimbursement for cancellation requires actual cancellation prior to departure. I can’t advise on how to handle this situation; but if all parties are insured, I’d certainly try to work through them with whatever Princess requires to rearrange the booking rather than leave money on the table.

Thank you for your gracious apology. It is very much appreciated.

Many insurance policies cover single supplement. Couldn’t this be resolved to everyone’s satisfaction with insurance reimbursing any loss or additional fees? Check to see what the policy covers. Isn’t that why you buy it?

Since we are talking about medical claims - on page 26 under Limitations and Exclusions, “The following exclusions apply to….. Emergency Accident and Sickness Medical Expense.” Loss caused by or resulting from: Number 9 - Being under the influence of drugs or intoxicants That means drunk, and it means it is not covered.

All you have to do is read the policy, and then you’d know it too. See the link above for an example. Page 14 #9 for travel benefits; page 26 #9 for medical benefits. Then check any other policy you might consider buying.

It is listed under “General Limitations and Exclusions “ or similar wording and usually is near the end of the policy. Here’s one if this link is allowed. It is for a Nationwide policy which is pretty common. Scroll down to page 14 #9. https://www.insuremytrip.com/certificate/?cert=NW/NWE/NWEr21_cert_TXfulfillment

What policy?

Did you ever read the list of exclusions? Pretty common.

Not sure what you are asking. Travel insurance is not part of your regular medical insurance that you use at home like Aetna or Humana. Those entities absolutely have all your medical records. Comprehensive travel insurance covers both travel and health risks when you are away from home and provides additional benefits like evacuation and repatriation. They are underwritten by companies like Nationwide or Generali. When you submit a claim, they ask for documentation and records. You can deny access, but they can deny the claim for failure to provide information.

Actually, no. We are talking about travel insurance, not your ordinary healthcare policy. They have a right to and will examine your medical records to determine if the claim is valid. Read the list of exclusions to see what other activities you might want to avoid.

Just as well you didn’t buy travel insurance. It does not cover blind stinking drunk.

Link did not work, but if this is the Classic Plan with Trip Cancellation, scroll down to page two under Cancellation. Look for the question, “What risks are insured.” Notice the sentence in bold.

The Allianz website states that foreseen events - named storm, for instance - are not covered. You still have coverage for unrelated events and medical. Be aware that your coverage begins the day after they receive payment.

Hurricane season ends in November, but there are other reasons to buy travel insurance. Check your existing health insurance to see how it covers you when you travel in case of illness or accident.