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iamtrustworthy

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    1,309
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About iamtrustworthy

  • Rank
    Cool Cruiser

About Me

  • Location
    Lake Winnebago, MO
  • Interests
    Traveling, reading, writing
  • Favorite Cruise Line(s)
    Cunard

Recent Profile Visitors

618 profile views
  1. Hi Dwight1, Do you need coverage for pre-existing medical conditions? If so, there are two companies I know that don't require you to insure your full trip costs, but still cover pre-existing medical conditions if bought by the deadline and cover the Coronavirus as any other illness. If you don't need coverage for pre-existing medical conditions, then any plan will cover you, but not all plans Coronavirus as any other illness. As for the medical limits, you don't need more than $100,000 medical and $150,000 medical transportation. Steve Dasseos
  2. Hi Dwight1, Do you have a Medicare Supplement or an Advantage plan? Or is are you covered through a retiree health plan? Steve Dasseos
  3. Hi klfrodo, I was invited to be interviewed for this Conde Nast article, but I don't think they liked my responses seeing that I didn't make the final cut. I don't think that the medical portion of a trip cancellation plan that includes medical will change from being a reimbursement plan to a direct pay plan. There are too many expensive changes that would have to take place in the plan administration to justify adding this without relatively large price increases. The article says "coverage abroad is rarely included in U.S.-based health policies", but the opposite is true. In fact, most individual and group medical plans have a maximum out of pocket limit plus deductibles and copays. The article doesn't address, in my opinion, the fact that a trip cancellation won't cover someone if a screener in the destination country flags you to be quarantined. You are only covered if a licensed physician diagnoses you. I included this in my response that they didn't use. I hope this makes sense. Steve Dasseos
  4. Hi Aulanis, Yes. many US medical plans have coverage if someone is outside the USA. They have a maximum out of pocket limit. For example, on this website: https://www.healthcare.gov/glossary/out-of-pocket-maximum-limit/ , you will see these limits: The out-of-pocket limit for Marketplace plans varies, but can’t go over a set amount each year. For the 2020 plan year: The out-of-pocket limit for a Marketplace plan can’t be more than $8,150 for an individual and $16,300 for a family. For the 2019 plan year: The out-of-pocket limit for a Marketplace plan couldn’t be more than $7,900 for an individual and $15,800 for a family. If a US resident on Medicare is outside the USA, Medicare doesn't cover them, but a Medicare Supplement will have partial coverage. Steve
  5. Hi Aulanis, Sorry about the delay writing back. One of the reasons there are differences in the coverages is because the UK has socialized medicine which oftentimes does not covered the traveler when they are outside the UK. It's not nearly as expensive to get ill or injured as the limits imply, but the UK based travel insurance companies do not want their customers to have any risk of a large uncovered medical claim. And, as klfrodo said "the $10,000 coverage that Princess is offering is woefully a low number." If I was a UK traveler I would not want to rely on the Princess medical coverage. I hope this makes sense, Steve Dasseos
  6. Hi JerryInIL. If the reason your trip is cancelled is because the travel supplier ceased operation, then you will have to find out if your policy includes Travel Supplier Financial Default. If so, is it "Third Party Travel Supplier Financial Default"? If it is 3rd party, then, did you book with the cruise line directly or via a travel agent? Steve Dasseos
  7. Hi richfret, If the reason your trip is cancelled is because the travel supplier ceased operation, then you will have to find out if your policy includes Travel Supplier Financial Default. If so, is it "Third Party Travel Supplier Financial Default"? If it is 3rd party, then, did you book with the cruise line directly or via a travel agent? Steve Dasseos
  8. HI Sansterre, I'm sorry for the delay answering you. What you need to find out is if you cancel your trip on your departure date, will you be refunded the cost of the Safari? The next thing to find out is how the trip insurance policy you have defines an insurable trip cost. If you have the Certificate of Coverage, you mail email it to me at steve@tripinsurancestore.com and I will look it over for you. Steve Dasseos
  9. Hi, Thank You to everyone who participated in my June 2020 Cruise Insurance Q & A. I am very thankful to Cruise Critic for allowing me to do another month long Q & A. This forum is still active, so if anyone has any new or followup questions, please ask me. You may also email me at steve@tripinsurancestore.com Sincerely, Steve Dasseos
  10. Hi Petoonya & klfrodo, Thank you for your kind words. Steve Dasseos
  11. Hi SusieQft, Thanks for this info and questions. I'll add them to what I'm asking the companies. Steve
  12. Hi SusieQft, If you cancel your trip for a covered reason, you can tell the insurance company that you are giving up your right to use the future airline credit and take the cash payment instead. Some companies have a form called the "Air Authorization Form" that covers this subject. Steve
  13. Hi Bill, Coincidentally, I have been emailing my companies about this very subject because, as you correctly stated "of the trip insurers, is that they will NOT insure any "bonus dollars" that I receive". I don't have this answer yet because I think the companies don't have it figured out yet. When I get the answer, I'll put it here. If this thread isn't active I'll create a new thread for it. Steve
  14. Hi Bill, Yes, you are right in everything. I want to add this about the airfare. Many times people will tell us "I got a Southwest ticket so I'm not including it because I can change it without penalty" or something similar with another airline. For the companies that require 100% of the per person prepaid, non-refundable trip cost be insured, the cost of the Southwest tickets must be included because they are not refundable. Steve
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