Babr

I’d like to know what you find out. Thanks

Would you mind listing the Exclusions? Is there a look-back period?

Forgive me, but I’m not following the math. If you have to cancel the first trip for a covered reason, wouldn’t the policy pay the maximum scheduled amount of $15,000? In that case you are already out $5,000. If a last minute event caused you to cancel the second, that goes to $13,000. If you are OK with losing that much money, why not just spend the money to buy two single trip policies that would provide full coverage and maximum dollar limits for medical and evacuation? You’d be out a lot less than the potential loss the other way with better coverage thrown in.

No offense intended. Just trying to clarify the coverage. Cancellation and interruption are usually the main travel hazards people want to protect against - not lost or delayed baggage - so it is important to understand the covered reasons and exclusions before the need to file a claim.

Still not talking about credit card medical. For the most part, it does not exist. The subject at hand is credit card benefits for travel risks like cancellation or trip interruption. You said you have excellent coverage with your card from Bank of America. You actually have no coverage for cancellation or interruption if it is caused by your pre-existing condition.

Yes, I’m sure you have taken care of your situation. I was offering a word of caution to others who may read the post and think that credit card coverage is just the same as independently purchased travel insurance. It is not. What I said is true for Chase Sapphire as well as other credit cards. Nor is annual insurance the right choice for some because the travel benefits are limited.

I’m talking about your credit card coverage with B of A that you use for travel risks like cancellation, not your medical under Humana - two separate kinds of coverage. If you are relying on your credit card coverage for cancellation and you have cancer, you have a pre-existing condition. Your credit card will not reimburse you for cancellation if it is caused by your pre-existing condition.

Yikes. You better check that paper you have with lots of fine print and pages of coverage. You have a pre-existing condition and may not be covered by your credit card after all.

Well, that is interesting. Here is what I see when I search for NCL travel protection. https://www.ncl.com/freestyle-cruise/booksafe I see three options under BookSafe - Platinum, Standard, and Essential. Is this current information?

All of these are good strategies, but people have to be careful to understand that credit card insurance does not perform the same as a comprehensive travel policy. It does not cover cancellation or interruption caused by pre-existing conditions. The Trip Interruption provision reimburses for unused prepaid nonrefundable expenses but does not pay for transportation home. It may pay change fees but not any additional costs for a new flight. The Trip Delay provision is $500 usually only for strikes or weather. It likely will not apply in the current situation where cancellations and delays are caused by staffing shortages. It will not pay if you are delayed for quarantine. Also know that annual policies are primarily for medical/evacuation coverage. Travel benefits, if they exist, are capped at low levels with perhaps an option to upgrade for an additional cost.

You’ll have some coverage as long as your expectations are in line with what the policy covers and any claim does not involve a pre-existing condition. The evacuation part is for hospital-to-hospital transfer when it is approved as medically necessary. Otherwise, you’ll be treated at the nearest facility.

It appears NCL has three policies - Platinum, Standard, and Essential. The Essential provides trip delay, but there are no provisions for covered reasons so you’ll never get 100% cash reimbursement for what might otherwise be allowed such as a death in the family or a last minute illness. If people are OK with losing 25% of the value and being reimbursed with FCC, then that policy serves well. A very inexpensive premium provides a very minimum of medical coverage.

AON is actually the company that processes the claim. The policy is underwritten by Arch Insurance. But you are correct that one must read carefully and ask questions to be sure he is getting the right coverage.

Be mindful that some annual policies do not cover travel risks such as cancellation - just medical and evacuation. Those policies that do include cancellation often have a low dollar maximum with the option to increase coverage at additional cost..

There are a couple of advantages to Royal’s coverage. One is that it includes CFAR at 90% at no extra charge. Third- party policies require an additional premium for that and set time limits with special conditions. Two is that the premium is not based on age. It can be a cost-effective choice for older cruisers.

The web page calls it Travel Protection. Did you buy the plan from Royal or is it something from your travel agent? What do your documents say?

Any time up to final payment. You know the Essentials plan has minimal post-departure benefits with no cancellation coverage, right?

CFAR in cruise line insurance is always FCC because it is a benefit provided by the cruise line, not the insurance company. Except Holland America - all cancellations are CFAR with 90% cash back. If you buy third-party insurance, CFAR comes with additional requirements and premium. It will reimburse in cash, but usually only about 75%.

No. That is covered under Trip Delay. Look for the most generous benefits you can afford if that is a concern for you. The benefits will be listed as per person per day. There will be a daily limit as well as a maximum cap. Also look for a policy that will extend coverage in case you are delayed near the end of your trip. Trip Interruption will reimburse unused prepaid nonrefundable costs if your trip ends early for a covered reason. It will also pay for your return transportation.

You can determine if a policy you are considering covers vouchers by looking in the Definitions for terms like Payments and Deposits or Forms of Payment. Most do not recognize vouchers, FCC, or gift cards because they do not have cash value; but, after COVID, some companies will cover vouchers for the value of the initial cruise fare only - not any bonus FCC. It is a tedious process to go through multiple policies, and it still does not address the issue of establishing initial deposit date, which can vary from policy to policy and will impact your eligibility for things like a pre-existing conditions waiver if that is of concern. The easiest - and safest - thing to do is to contact a broker who has access to policies from a number of companies and can advise you of the one that best fits your needs. There is a good recommendation in post #5.

Maybe - but one thing is for sure. They cost more as you get older because the premium is calculated on age, amount insured, and length of trip among other things - unless you are buying cruise line insurance. Cruise line branded insurance is not based on age, making it a cost-effective alternative for older cruisers. The other thing we can expect to get more expensive since COVID is cruises themselves. Celebrity has been granting refunds and reimbursing COID expenses for a good while now - quite a cash drain to make up.

I think you’ll find that with all annual policies. They are primarily for medical coverage. Some don’t offer any travel benefits at all, but those that do max out at relatively low levels. Options to increase coverage always cost more.

https://static.chasecdn.com/content/services/structured-document/document.en.pdf/card/benefits-center/product-benefits-guide-pdf/BGC10981_SapphireReserve_VisaInfinite.pdf Didn’t work for me either. This second attempt did. Try googling Chase Sapphire Reserve Guide to Benefits if it doesn’t work for you.

https://cdn.f9client.com/api3/file/1130287/inline/BGC10981_Sapphire_Reserve_CF57027.pdf?__gda__=exp=1657337132~acl=/api3/file/1130287/inline/BGC10981_Sapphire_Reserve_CF57027.pdf*~hmac=044a8df7dd1cd1baee978ca5828830b03b0b579515652944747a23528df5f999 I know you asked for someone else to verify coverage, but I am including a link to the Chase Sapphire Reserve Visa Guide to Benefits in effect 8/15/2021, which may be the most recent version, so you can see for yourself. Trip Interruption begins on page 40. It covers the unused prepaid nonrefundable expenses of your trip. Pay special attention to the last item under conditions outlined for trip interruption on page 43. Remember that credit card coverage does not perform the same as comprehensive travel insurance because it is not comprehensive travel insurance. It is one of many perks you get in return for your $500 plus annual fee.

You have to notify both. The cruise line cancels your trip, and the insurance company opens a file while you assemble the documentation necessary to complete the claim such as the records/statement from the doctor. Usually the process asks you about any other coverage or compensation you may receive which would include the cruise lines’s cancellation policy in effect when you cancelled. I don’t have enough information to answer your question. Typically a cruise line does not immediately issue FCC for cancellation unless there is some program related to your booking that allows it. Normally, cancellation fees apply which are covered by the travel protection plan. Royal travel protection does have a CFAR feature, but its insurance covers defined reasons at 100% cash reimbursement not FCC. I don’t know how you ended up with both.