Babr

Without a waiver for pre-existing conditions, they are a factor in claims for cancellation and trip interruption as well as medical care during the trip.

https://www.epa.gov/outdoor-air-quality-data Maybe this? I haven’t tried to locate the specific information you need, but this seems pretty comprehensive.

CFAR is an add-on in most comprehensive travel policies if purchased within the defined time period following initial deposit. It can significantly impact the cost of the premium while offering only 75% return of nonrefundable costs if you file a claim. You can easily compare policies using the filters in the search function of online agencies like squaremouth or insuremytrip. Click on the link to see the full policy for details and options. Consider cruise line insurance if FCC rather than cash is acceptable. Most cruise lines include it as a non-insurance benefit in the policies they sponsor. You may find it is less expensive than third-party insurance with the CFAR upgrade. You’ll also find cruise line insurance has somewhat lower levels of coverage in other areas, but you did not ask about those.

Yes. See the refund policy in the book-with-confidence link.

https://disneycruise.disney.go.com/contracts-terms-safety/vacation-protection-plan/?int_cmp=INS-intDCLtoDCL-Insurance Travel insurance is a separate product purchased to protect against financial loss. It does not matter what kind of cabin you book. Restricted cabins are affected by the relaxed final payment and cancellation schedules. https://disneycruise.disney.go.com/featured/book-with-confidence/

Agree. The policies differ by location, but as a layman the term “Unavoidable and Extraordinary Circumstances” seems to apply to Disney not being able to “perform the contract.” The only mention of medical problems refers to those on board or at ports relating to infectious diseases. I don’t think it refers to just any unforeseen medical problem of the passenger or traveling party prior to departure. The Flexible Cancellation Policy linked above spells out the conditions for a refund related to COVID - not other medical problems.

https://disneycruise.disney.go.com/featured/book-with-confidence/ I can’t answer your question with certainty, but it appears that the policy applies to those with COVID or COVID exposure - not just any cancellation for unrelated illness. Check the link above for details.

Cruise Care is actually underwritten by Arch Insurance. AON just administers the policy. Residents of New York and some other places can’t buy it because state regulation prohibit it. In New York, the problem is the CFAR provision. It is not considered insurance because it does not protect against a risk, merely the whim of the policy holder. Even though the CFAR is provided by the cruise line not the insurance company, it is contained in the same policy.

There is not necessarily a right or wrong answer here. The key is to be fully aware of the risks and be willing to accept the consequences if the worst happens.

See post #12. The Coast Guard of the nearest country does air/sea rescue at no cost. Most often patients are disembarked at the nearest port. That is when you become responsible for all costs.

Be aware that annual policies are primarily for medical coverage. Some do not offer any cancellation or trip interruption. Those that do offer low maximums which apply to the entire year no matter how many trips you take. Upgrades are available for an additional premium. While Carnival insurance has a low limit for evacuation, many third-party policies offer much higher ones. Remember that evacuation coverage provides for hospital-to-hospital transfer when medically necessary for a higher level of care. Most often you recover in place and return home by commercial air when you are able to travel. The air/sea rescue that most people think of as evacuation is performed by the Coast Guard of the nearest country capable of such maneuvers at no cost. It is part of their mission to aid ships at sea. Your cost begins when the helicopter touches down on land. Be careful of relying on credit card insurance. It does not cover pre-existing conditions, and the Trip Interruption provision reimburses only the unused prepaid nonrefundable portion of your trip. It does not pay for return transportation. Unless you have one of the premium cards, the dollar limits are minimal.

Thanks. I think you actually are dealing with a missed connection, which is covered by an entirely separate provision not in Carnival insurance. I’ve been trying to make Trip Interruption apply, but I’m not sure it does.

You need a policy that does not apply the pre-existing conditions exclusion to non-traveling family members. Consult a professional to see what is available to you.

I hope so, too. If the second leg from Myrtle Beach to London was a result of the weather shut down, you should be OK; but there are all kinds of stipulations in the language of the policy so it is hard to know. It would be useful to others who could very well find themselves in the same situation to know how this turns out. Good Luck.

https://travel.nationwide.com/quote/results?quoteId=tj7HdS9lV752 This is what I found. The three cruise plans offered do have missed connection, but each covers only for weather that results in the shut down of all flights, not just yours. In addition, it is secondary to any compensation provided by Common Carrier. That means insurance would pay only after you had settled with air and cruise lines. I expect that Carnival told you not to board the first flight because you would not arrive in time, and you would not be allowed to join the cruise in another port. So I guess it comes down to the reason for the delay of second leg.

Carnival insurance is actually underwritten by Nationwide. AON just processes the claims. Both Nationwide and Allianz are good companies. You are dealing with the differences between single trip vs annual. The medical will definitely be better with Allianz. You will not be covered for pre-existing conditions because you have already booked your trips, but Carnival does not cover pre-existing conditions either. Trip Cancellation and Trip Interruption with Allianz come in a range of options for dollar limits at additional cost. Whatever you choose applies for the entire year, no matter how many trips you have. It is possible to use most or all of that in one claim, leaving you exposed to risk for the remaining trips. The decision is not so much which company is better as it is what type of coverage meets your needs.

I don’t think that is the problem it was at the beginning. Cruise lines had contracts with hotels to accommodate guests who needed to complete isolation, but there are no designated quarantine hotels that I am aware of. The first thing to do is to ask your hotel if you can extend your stay if necessary because of COVID. If they are booked, they may be able to direct you to another facility. They are used to dealing with the situation.

Trip Interruption pays up to 100% of trip cost to provide for unused nonrefundable expenses and transportation. The question I have is whether it is a covered reason. See # 9 under Trip Interruption - delay caused by inclement weather which results in missing 50% of your trip. That did not happen. I just don’t know if replacement flights are covered because it does not seem to fit the conditions defined in the policy. That is why I’d like to know how this turns out. https://affinitytravelcert.com/document/pdfs/Carnival_TX_05_21.pdf

What policy is it?

The difference is that third-party insurance reimburses in cash - not FCC. The FCC provided by Carnival is a non-insurance benefit that does not cost the cruise line much. It has no impact on the insurance product which is underwritten by Nationwide.

Unless your delay was caused by weather or strike, I think so. Does you non-Carnival policy have a Missed Connection provision?

Do you have Carnival insurance or some other policy? It makes a difference because policies vary in terms and conditions. If you have Carnival, see #9 under Cancellation. It is covered only if you are delayed by inclement weather and it causes you to miss 50% or more of your trip. https://affinitytravelcert.com/document/pdfs/Carnival_TX_05_21.pdf

https://www.royalcaribbean.com/content/dam/royal/resources/pdf/covid-19-cancellations-and-refunds-policy.pdf Here is the COVID cancellation policy. You are entitled to a refund for the cancelled cruise. There is no mention of assistance for quarantine unless you test positive on board, but that is not what you are asking about. See the policy for definition of Traveling Party or Close Contacts. Your hotel may be able to accommodate you for the required number of days or direct you to another one that has availability. Your travel insurance will help pay the cost of hotel and meals depending on the policy limits. Return transportation is covered by the Trip Interruption provision. You’ll need documented test results for both the cruise line and the insurance claim and likely a doctor’s confirmation of diagnosis for insurance. Now is a good time to have a conversation with your insurance provider so that you know what to expect if the worst happens.

Are you talking about Carnival insurance? It is secondary to your regular health insurance. Did you file with them first and include the Explanation of Benefits with your claim form from AON?

No, I was not aware. Thanks for the info. Nevertheless, I’ll continue to avoid taking FCC because it does not work well for me. I’m glad Princess is offering on off-ramp so that those who like the program can benefit from it.