Babr

Not sure what is going on here. An accident requiring surgery that results in not being able to travel is a covered medical reason that would qualify for 100% cash reimbursement from insurance. There was no need to file as Cancel for any Reason. Why did the cruise line issue FCC?

I think I misread HAL’s policy. That is why I edited my previous post. There is some language about not being able to purchase the insurance or receive benefits if one is under treatment or unable to travel at time of purchase, but it seems that was not the case with your SIL since she had coverage. This will take someone at HAL to sort out. I hope you are able to get this resolved in your favor.

It is a complex situation that may require notifying HAL afterall.

And that is one of the advantages of working with TIS. They are a small agency selling policies from a limited number of vetted companies with which they have an established relationship. They know their products, can recommend something for your needs, and can help service the policy if necessary.

It is prorated by the number of days not on the cost per day. You’ll get 100% of your per day cost refunded for each day you were quarantined.

You are correct that most policies do not allow the pre-existing conditions waiver at final payment; nevertheless, there are a number that do. IMG LX is one. CSA offers another. A broker can recommend one or you can find them by using the filters in the search function. Any prepaid nonrefundable costs included in the amount insured will be covered, but airfare presents a problem because the airline will issue a voucher if you cancel, and the insurance company will consider that you have been reimbursed. Including it becomes a factor when the policy requires you to include all nonrefundable costs to qualify for the pre-existing conditions waiver in addition to buying within the specified time and being able to travel on the day of purchase. Be sure to ask how the policy treats airfare before you buy.

First, sorry for your loss. Next, do you have HAL insurance or third-party? I am asking because HAL treats all cancellations as CFAR. On the other hand, I do not see any coverage for single supplement. Your situation may have some remedies depending on what kind of insurance you have.

Sure you can - but it won't necessarily cover pre-existing conditions.

Advice to consult a professional supersedes all opinions on a public forum, but the answer is really pretty simple. If one wants pre-existing conditions coverage, buy the policy in the time sensitive period defined by the policy. Most are tied to initial deposit within 14 to 21 days, but some allow it at final payment. A professional can help one sort through the possibilities and find a policy that meets specific needs.

You are referring to the look-back period, which can be 60 to 180 or even more depending on the policy. That is the number of days a company will look back at your medical records to see if you have anything in your medical history related to the cause of cancellation. If they can determine that any symptom, diagnosis, test, RX changes -anything - was there before you bought the policy, then they will not pay unless you have the pre-existing conditions waiver. To qualify for the waiver, purchase in the window defined in the policy, either initial deposit or final payment. If the look-back period in your medical history is clear, then pre-existing conditions is not an issue.

Most policies today cover Covid as any other illness. In that case, purchase of the policy is not time sensitive. You do have to be mindful of time windows if you want a waiver for pre-existing conditions. Celebrity coverage is a bit different because its cancellation fee waiver is provided by the cruise line and is not part of the insurance underwritten by Arch. It does not cover a condition that is diagnosed or treated in the sixty days prior to purchase, but it allows you to cancel for any reason with 90% FCC. On the other hand, third-party policies require you to purchase within a window related to initial deposit in most cases in order to qualify for a wavier of the pre-existing conditions exclusion. There are some policies such as IMG LX that will allow the waiver if purchased at final payment. The advantage is that you do not have to buy the policy until your money is at risk, assuming you have a refundable deposit. One purchased, insurance is not refundable beyond the initial inspection period, but it may be transferrable to another cruise. The key is in understanding what a pre-existing condition is. Without the waiver, something as simple as a change in RX, a reported symptom, or a diagnostic test occurring in the look-back period can result in a claim denial if it can be tied to the reason for cancellation.

Just about any comprehensive travel insurance policy would pay for it under Missed Connection/Trip Delay/Trip Interruption. The dollar caps vary by policy. People who depend on their credit card for travel risks will find that the $500 max does not go very far when delayed for several days. They’ll also find that it will not pay for the difference in cost for a new flight - just change fees. The real problem is for those who don’t have coverage.

Good. You likely got something that more accurately meets your needs though it may not be the best choice for everyone.

The cruise line merely sells you a policy with its name on it. The policy is underwritten by a major company like Nationwide, and the claims are administered by a company contracted for that service like AON Affinity or TripMate. The cruise line does not have anything to do with the process. Not sure what your TA is telling you; but if she is selling you a policy from her agency, she is making a commission.

Any cruise line is obligated to provide a cash refund for a cruise it cancels; however, if you accept FCC and use it to book another cruise, the cruise line considers that you have been compensated and have accepted the terms when you booked the subsequent cruise. Initially, cruise lines offered bonus FCC as an incentive, but it became a trap for people who found the price had increased for the cruise of their choice or for those who needed/wanted to cancel.

Insurance reimburses 100% cash for cancellation as a result of a covered reason. Covid is covered as any other illness. If you’d rather have a full refund instead of 90% FCC, then insurance will provide that as well as coverage for other medical and travel risks such as trip delay or trip interruption if quarantine is still an issue depending on Celebrity’s assistance policy at the time of your sailing. Whether you choose to get cruise line insurance or third-party insurance depends on your needs. Third-party insurance considers age in the premium calculation so that and the relatively low dollar limits for medical coverage are factors you’ll need to weigh in your decision.

Prime does still exist. It is available on insuremytrip website, but it may not show up in the search results depending on where you live. It is not sold in some states. There are other Nationwide policies that cover itinerary change after departure which causes you to miss a prepaid nonrefundable excursion. It does not cover such a loss under other circumstances. Not sure if that is what you are looking for. Read carefully because some Nationwide policies have a COVID disclaimer. They do not cover it in places under CDC travel warning.

If covered, it probably comes under Missed Connection; but there will be stipulations such as how many hours you were delayed and the cause, such as weather or mechanical problems. That may trigger other provisions which will combine to settle the claim. Those details will be in the policy. Rather than trying to sort through multiple policies on your own with only hope that you get it right, follow the advice here: call the professionals and explain what you are looking for. Let them help you find the right coverage. Many here rely on Trip Insurance Store.

I see a lot of discussion about the fact that Canada will drop the requirement for testing to enter the country on April 1, but no one seems to mention ArriveCAN. Do all passengers on cruises originating in the US have to upload their information to ArriveCAN in order to visit a Canadian port or to disembark at the end of a cruise? Is there a designated time to do this or can it be done any time before boarding the cruise? I’ll be staying at an airport hotel before testing to fly back to the US. If the test is positive, I don’t have a quarantine plan. How do I fill out that part of the form? My cruise line has not provided any information about what is required. I’d appreciate hearing from people familiar with the process.