klfrodo

Since TSA now accepts Digital ID, and airlines now accept Digital ID as proof of valid passport prior to boarding an international flight,,, I’m wondering when cruise lines will accept Digital ID at check in for boarding.

Thanks for the correction

I'm not Steve and I'm sure he will correct me if I'm wrong.

My research tells me that GeoBlue Trekker is "Secondary", which means that they will reimburse you after your other policies either pay or deny. Therefore, you would file an initial claim with your Medicare policy, wait for the denial letter, then file the claim with GeoBlue.

What I've done in the past when I had a claim that I knew would be denied by my Medicare plan was to put in the claim that I understood that it would be denied and asked them to expedite the denial so I could initiate my claim with the secondary insurance. That did seem to hurry them along with the denial letter. I think I had the denial within a couple of weeks.

4 minutes ago, Ashland said:

I'm getting so totally confused now with all these medical incidents.

Does it make sense to have onboard cruiseline insurance to cover any onboard costs in addition to my GeoBlue Trekker annual policy that will cover us once off ship?

 

 

My thought is that this is exactly why one uses a broker to help us understand the intricacies of travel insurance. I would think that with this scenario, you're now getting into the nitty gritty of the terms and conditions that few of us know let alone understand.

Two policies that now put you in the middle of fighting over which policy has priority in each and every conceivable instance. Maybe one has hidden language that says something about they don't work with other insurance policies. The laws of each and every State, Province, Country all working against the consumer. Sure, it will get worked out eventually but that could be years down the road. The time and energy it takes to file a claim, knowing or not knowing that the policy MUST receive a denial from various policies before you have to file again with a different company so they can deny, to file with a 3rd, to receive partial reimbursement, so you can go back to the 1st or 2nd, to receive another partial.

Why not just pay a little more initially, to get 1 policy that is Primary and get it over with.

If I just HAD to be BACK that day, I'd feel comfortable with the 12:15 flight.

9 minutes ago, shof515 said:

 

thats only if you use the facebook generated family list. if you create your own custom family list, only the people you add will be in that list. facebook does not automatically add to custom lists. i never used the suggested generated lists

Yes

and thanks to you, I just updated and made some changes in my profile security settings.

9 minutes ago, shof515 said:

on facebook, you can adjust your settings so only certain people can all of your information,some or none at all.

You are correct and everyone should do this.

There are backdoors to this though. One could look thru your friends list, find a family member, follow the family members posts where they inadvertently talk about you going on vacation or sharing other information about you. Looking thru their pictures to find family gatherings at your house etc.

Of course this is worst case scenario, but we all share too much.

I think this is a good opportunity to educate people on social media as a whole.

We put too much personal information out there to include myself. Albeit I am aware of it and trying to do better. There is a name for it. Something about Open Source Intelligence. I've been on this board since it was an AOL chat room. Over those years, it is likely that I've given out so much information that a rouge actor could piece meal my information and know way too much about me.

Even FB sometimes has those games where you share the name of your first pet, or your first car, or maybe your high school. Well, for most of us, those could be our security questions that some websites ask in case you need to change your password.

So, just be aware and don't give out too much information.

Haven't heard of an exception but that doesn't mean there are not work arounds.

But let's ask ourselves why there may be hard limits. Insurance & liability. Since this is a ship sponsored excursion, this means that Carnival has vetted, researched, and received guidance from their legal team about this activity. Carnival has probably been advised that there needs to be an age limit to protect themselves from liability after consultation with the insurance company.

What could be a work around? Investigate further to see if you can find the vendor that Carnival is using. You "might" be able to book directly with them to get around the age limit.

@CDNPolar

Must be a Canadian thing. I've currently have a policy locked in for a trip that is more than a year out. The trip is for August 2025. I locked in the policy in April 2023 to ensure I get the pre-existing condition waiver.

3 hours ago, CDNPolar said:

 

0. When the loss incurred is directly or indirectly caused by a travel provider default, the reimbursement of your insured travel expenses is limited to the amount indicated on your insurance certificate, up to a maximum of $7,500 per insured person.

    

Interesting question. I highlighted the above section regarding the default.

My policy from the US has a "definition" embedded in the policy for the word "default"

(can't copy & paste)

It basically defines it as total cessation of operations due to insolvency with or without the filing of a bankruptcy petition.....

My initial thoughts would be there is some kind of recovery process but not under the default provision. The cruise was canceled for other reasons than the company insolvency probably.

Looking forward to hearing others thoughts.

For educational purposes only

With your vast 20+ years of experience, could you share the top 2 or 3 mistakes people with travel insurance make that either cause you to SMH or cause the biggest problems with their claims. Also, share what they could have done differently to have made the claim process easier.

Or, maybe you've covered this in a blog that you could provide a link to.

Thanks

I'll give my experience and maybe a couple of suggestions.

I look at travel insurance as a risk sharing venture. Not that I want to lose money or give it away, but what can I afford to lose vs. what can I not even attempt to risk. 

Airfare - If I have to cancel do I lose it all or will my airline just give me a credit I can use for future flight?

Hotel - Instead of pre-paying, can I just make the reservation and pay when I get there?

Cruise - Can I afford to eat the cost of the cruise if something comes up?

Medical/Evacuation - Can I afford to pay up front for any medical emergency that may arise and then transportation back home?

Myself? Fortunately, I'm in a place where I can risk everything but the medical. Medical can bankrupt me. Therefore, I share the risk for any potential medical emergency. The rest, I self-insure.

In your case (and we don't know much about you), you can buy the insurance now and then as known additional cost that you want to insure are finalized, you can call the insurance company to increase your coverage.

But also know that if you require any pre-existing medical condition waivers or a Cancel for any Reason rider, you may be required to cover ALL nonrefundable costs. The need for this is based on the rules and regulations of the state you reside in.

Just be educated on exactly what cruise line air arrangements are and more importantly, what they are not. Many many people find that cruise line air arrangements make travel simpler and more affordable. However, there can be pitfalls if one is not aware.

Myself? I might consider cruise air when all my miles run out for international travel. It's not even a consideration for domestic travel.

The following link provides great information about cruise line air and deviation. The thread is old but still relevant today.

4 hours ago, graphicguy said:

Try....

 

www.insuremytrip.com

 

Lots of options offered there.

Actually

for Canadians, the correct URL is Travel Insurance - Quote, Compare & Buy - InsureMyTrip.ca

You might want to go to the Insurance board here on CruiseCritic.

I'll also put out a call to @CDNPolar who may be of some help.

One of the problems that you "may" be running into is that cruise line policies include CFAR (Cancel For Any Reason) coverage. I know at one time, there was a certain Province in Canada (and a couple of States in the US) that did not allow policies with CFAR to be included because they didn't feel that CFAR coverage fit their definition of insurance.

DOT also just set up or has had set up a website to check by airline what their current policies are.

Can be found here

Airline Customer Service Dashboard | US Department of Transportation

Along with what's already been said, please define "Worth It" to you.

Out of 100 people, there are probably 100 different answers to Worth It.

Does the Carnival Venezia have a sports bar like Royal Caribbeans Playmakers on the ship?

Gotta love all the hardcore apologists coming up with any defense imaginable with their unwavering support NCL. Or any other cruise line for that matter.

NCL's Free at Sea is nothing more than a marketing tool. Just as Carnivals "Fun Ships" is a marketing tool.

NCL's drink package works for some but not all. Carnivals drink package works for some but not all. RCCL's drink package, same as above.

The sycophants need to give it a break. NCL may be good, but they are not the best to all.

5 hours ago, PartyPlannerLady said:

 

We get several hundred minutes free every cruise and have yet to ever log in.  I am on a cruise.  The LAST thing I want to do is have my nise stuck in a computer.  We run a computer - /internet - web design and hosting business but we are smart enough to have folks who can run things for a week without us like most good business people do.  No one NEEDS to be on line during a cruise.  Unplug and enjoy the real world that is out there!

When someone else decides to pay for my cruise and travel experience, I'll actually be concerned about whether I'm meeting their standards or not.

Until then, you do you boo boo and don't worry about me. I'm doing fine.

If OP wants to truely understand the NCL Air program, or any of the cruise line offered air programs, check out the link at the Cruise Air threads here on CruiseCritic. The thread is old, but the information provided is still applicable today.

Basically it's a consolidator air program. You can save money and most of the time it can work out fine. But there are downsides to the programs that could come back to bite you in the wazzu.

I just ask that you educate yourself, and then do what works best for you.

Basically, the Free at Sea is a marketing strategy. Nothing is "free". The base price is bumped up to offer these "Free at Sea" options, however, these options are very basic. These basic options will satisfy many of the more experienced cruisers. However, if you desire a more enhanced experience, you'll find that you'll need to reach a little deeper into your pocket and just upgrade your internet package and drink packages.

Don't even get me started on the Air package.

6 hours ago, iamtrustworthy said:

Hi klfrodo,

 

I've had more than a few customers on world cruises who have had trip interruptions and neither Royal Caribbean and Holland America are refunding port fees and taxes to my customers who returned home early.

 

So far, no one has let me know if the cruise lines did anything different and all the claims are still being settled.

 

Steve Dasseos

Well, you are a reliable source. 🤣 Thanks for sharing.

is this limited to “World Cruises”? Or are you finding the same thing with the more standard cruises that are less than 14 days.

Please share a link to this reliable source that port fees and taxes are no longer refundable.

I was of the same opinion as you.