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klfrodo

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Posts posted by klfrodo

  1. 4 hours ago, ontheweb said:

    Please do not make it sound like there are a lot of TAs who act like the one the OP unfortunately found himself booking with.

    I think it's disingenuous to downplay what the OP experienced. As with any profession, there are bad actors out there and the first line of defense, I would think, would be that the good actors acknowledge that and then do everything in their power to ensure the bad actors get buried under the prison.

    • Like 2
  2. Went to Cancun during the pandemic. The resort (RIU) which is a Spanish (Spain) company offered a free medical insurance policy. I believe it was Helix (another Spanish/Spain company).

    The policy did state that before going to a hospital, one of the requirements was that we had to notify the insurance company first.

    As it turned out, my wife did require a hospital visit. (Trip and fall with broken wrist and facial lacerations). $3600 upfront payment required before treatment. The hospital did a great job. Because I wasn't thinking right due to the anxiety and more concerned about my wife, I failed to notify Helix prior to going to the hospital. They denied the claim. I was able to file a claim with my BCBS work policy which did have an international rider on the policy. They reimbursed about $2400.

    Moral of the story, read and understand the policy. Maintain situational awareness during an emergency.

  3. I always buy my insurance with the idea that in the event of a claim, the insurance company is going to do anything and everything to not pay the claim.

    My wife and I have medical conditions that have not changed in the past couple of years. Therefore, under the definitions, these should not be pre-existing conditions. 

    With that being said, I always follow the requirements necessary to ensure that I buy the insurance that includes the waiver for pre-existing conditions. Gives the insurance company one less reason to deny my claim.

  4. I self-insure the cost of the trip but I do insure the potential unexpected medical emergency. I'm fortunate enough to be able to absorb the loss of the trip in case of needing to cancel. I cannot absorb the cost of emergency medical care due to a car accident, a moped accident, the zip line breaking, a stroke, tripping and falling down the Spanish Steps, etc.

    I do this by limiting the amount of coverage under "Trip Costs".  Insurance companies price out their plans in $500 increments. I use the Trip Cost of $500. This way, should I miss a flight or so, I still receive 150% ($750) of trip cost under Trip Interruption or Trip Delay for hotel, meals, transportation, and still receive the max medical coverage of the policy. 

    If pre-existing condition waiver is needed, some States require that you include 100% of all non-refundable expenses in the Trip Cost. Others do not.

    I see that you're in your 50's and in good health. Good for you and I wish you nothing but good health. However, in the 50's is when I slowly started losing friends who were also in good health. Things happen to good people.

    • Like 2
  5. I'm not aware of one anymore. I know Nationwide was one but that stopped also.

    Maybe someone else is aware of a company that still does.

     

    Then again, maybe I'm not understanding what it is you want coverage for. Just the fact that the ship doesn't stop at a scheduled port.  Or you're looking for coverage for a non-refundable deposit you place on an independent excursion that you may not be able to take when the ship can't stop at a scheduled port.

  6. Sounds like DEI works when it comes to running a cruise line. The passengers are diverse, all treated equally, and everyone, from bankers to bikers are included and made to feel welcome on Carnival.

    Maybe those cruise lines who market their ship within a ship programs (Yacht Club, Haven, etc) need to step back and re-evaluate the goals of open class distinction.

  7. My only question is are all legs of travel on Turkish Airlines? If so, then your baggage with be checked thru to Rome and all is well.

    If your onward travels from IST is on another airline, then check to ensure they have an interline agreement. If not, which happened to me, then your adventure may begin sooner that you planned.

  8. 3 hours ago, dmdiver said:

    This is what it has under Payment of claims in the World Nomads policy underwritten by Nationwide.

     

    "All benefits payable under this Policy shall be reduced by the amount of any
    credit, voucher or refund provided by any Common Carrier, Travel Supplier
    or any other third party."

     

    So, based on that wording, my air would not be covered if the airline issues a travel credit in lieu of a refund.

    That’s true

  9. I agree with GeezerCouple in that to get the waiver for pre-existing medical conditions the policy must be purchased in a very short time frame after the initial deposit. Even a refundable deposit.

    Also, the definition for a waiver of pre-existing medical usually includes non-traveling family members. By that, I mean, if you have to cancel your trip or interrupt your trip to go back home due to a family members emergency medical need, AND, your family members emergency was due to a pre-existing medical condition, coverage may be denied if you did not get the waiver.

  10. 54 minutes ago, klfrodo said:

    Unless I'm mistaken, Carnival waits until after the completion of a cruise before they upgrade you to the next level.

    Looks like I was mistaken. 

    Note to self: If you're not 100% sure of the information, don't respond.

    • Like 3
    • Haha 4
  11. Gosh, I've sailed out of Miami, Ft. Lauderdale, Port Canaveral, Charleston, Galveston, New Orleans, Long Beach, Vancouver, BC., Puerto Rico, Venice, Amsterdam, and Southampton.

     

    Yes, the crowds, demographics, customs & cultures are all different. It's my job, (in my opinion), to be a Cameleon and attempt to adapt to the majority. No, in my opinion, sailing out of Galveston is NOT the friendliest demographic. 

    The friendliest and accepting was Amsterdam or Venice. The least was Galveston and New Orleans.

    • Thanks 1
  12. Search function came up empty.

    Looking for anyone who has experienced this property. Looks beautiful, services appear to be impeccable and with all this, the prices seem to be appropriate. Would love to hear someone else's experience. Thank You

  13. 2 minutes ago, hlperez said:

    I used their shared shuttle just over a year ago. They were excellent.

    Do you remember what their luggage policy was? Couldn't find that information on the website.

    Last year, while in London, I scheduled a shared service ride to Southampton. At the last minute, I learned that they only allowed 1 large bag per person. (I would like to be able to do that, it's just not a reality for our situation).  They did allow us to upgrade to "private" transportation which worked out just as well.

  14. Mine took just about 13 months.

    Some people have reported just a few days. Makes absolutely no sense but it is what it is.

     

    Either way, and I experienced this, as long as you began the process before the original expired, it's still active.

     

    I went so far as to drive to the airport to ask why it was taking so long. They were of no help. They did give me a number to call. I called it and followed the phone tree to where the recorded voice said that if my application was in the renewal process, they couldn't help with no further advice.

     

    Unfortunately, you just have to wait it out with zero options for updated information offered.

    • Like 1
    • Thanks 1


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