LuvCruising8

I took out travel insurance for myself and my family for a 7 day cruise. Unfortunately on the cruise I broke my wrist which required surgery. Since the cruise medical staff deemed the surgery non-emergency, it was scheduled for when I returned from the cruise. Due to the injury and subsequent surgery I incurred significant out of pocket medical costs. I submitted a claim with Allianz travel insurance since the injury occurred during my covered period. However they denied my claim since the medical expenses I incurred were not incurred during the cruise or "covered period." Allianz will ONLY cover your out of pocket expenses incurred during the covered period, which is the time period of the cruise. This is despite the fact that the injury clearly occurred during the covered period. I had no way of having my surgery during the cruise. Logically, the surgery took place shortly after returning from my cruise. Allianz denied the claim. Most travel agents are not aware of this policy exclusion from Allianz Travel Insurance. We will never take out another insurance policy from Allianz. Allianz was happy to take our insurance premium and deny our legitimate claim that occurred during the covered period.

Buyer beware with Allianz travel insurance...you don't get what you paid for. I took out travel insurance for myself and my family for a 7 day cruise. Unfortunately on the cruise I broke my wrist which required surgery. Since the cruise medical staff deemed the surgery non-emergency, it was scheduled for when I returned from the cruise. Due to the injury and subsequent surgery I incurred significant out of pocket medical costs. I submitted a claim with Allianz travel insurance since the injury occurred during my covered period. However they denied my claim since the medical expenses I incurred were not incurred during the cruise or "covered period." Allianz will ONLY cover your out of pocket expenses incurred during the covered period, which is the time period of the cruise. This is despite the fact that the injury clearly occurred during the covered period. I had no way of having my surgery during the cruise. Logically, the surgery took place shortly after returning from my cruise. Allianz denied the claim. Most travel agents are not aware of this policy exclusion from Allianz Travel Insurance. We will never take out another insurance policy from Allianz. Allianz was happy to take our insurance premium and deny our legitimate claim that occurred during the covered period.

Thank you for your detailed response...very helpful.

Trying to plan specialty dinning reservations around formal night(s)... (1) How many formal nights on a 6 night cruise? (2) When are formal nights? Thank you!

Hopefully only cosmetic damage.