Jump to content

happysnapper

Members
  • Posts

    662
  • Joined

Posts posted by happysnapper

  1. Have presented a case to Princess. They have had our substantial deposit for nearly 2 years. So hoping something comes out of that even if its a future cruise. CC Insurance through Allianz have said no...have to pay in full before a claim. Have written to MasterCard/Cardservices x 2 pointing out the short comings of the policy but they have never had to courtesy to reply.

  2. It is interesting to read Princess T&Cs as applied to other countries. Very generous conditions in Europe and USA regarding deposit % of cruise cost, and cancellation days prior to cruising. Once again discrimination toward Australian cruisers as their conditions are quiet harsh when compared.

  3. If it sounds too good to be true, it is.

    CC policies are fine if you don't have any problems. Even with my pre existing conditions, and having to pay additional premium for travel insurance it still comes down to a small part of the overall cost. Peace of mind is worth it.

    As DFAT says if you can't afford insurance you can't afford to travel.

     

    We can afford insurance. It was just that we have utilised this type of insurance cover a number of times and on 2 occasions we have made small claims without any problems. I submitted this post to warn people that CC travel Insurances are not all the same and to read every word of the product.

  4. Here in Australia I have just experienced the restrictions CC Complimentary Travel Insurance place on their policies. Using my Platinum MasterCard I paid a $4400 deposit on a lengthy cruise but unfortunately due to my husband suffering an unexpected health problem we have had to cancel our trip. As it was past the 181 days when we could get a refund from the cruise company (it was 133 days before the cruise) I contacted the Insurance Company. After a number of emails to and fro and going around in circles I was advised very briefly that according to their Product Disclosure Statement I was not eligible for any refund on my deposit as I had not obtain my overseas ticket! So beware and read every line in their product booklet if you can interpret it.

  5. An update on this:

    Citigroup Complimentary Insurance has refused any refund on my $4400 deposit paid with my Platinum MasterCard and I quote the following nice little one liner:-

     

    "Because you have not obtained a travel ticket you are not eligible for the Complimentary Travel Insurance".

     

    So be very wary of CC complimentary insurance and read every line of their Product Disclosure Statement.:mad:

  6. An interesting bit of information I discovered when I compared "Allianz Comprehensive Travel Insurance" product disclosure booklet with their product disclosure booklet produced for Citibank/MasterCard "Complimentary Travel Insurance". The former policy definitely covers cancellation fees and lost deposits that have been paid in advance. While the later definitely does not. The documents are similar but at the same time very different.To me this would indicate that the credit card company dictates the limitations on the policy they buy.

     

    I am only posting this information as I delve deeper as I would hate to think other fellow cruises could get caught out in similar circumstances. As we all know things can change overnight.

  7. I have spoken to Allianz and although sympathetic couldn't help. The consultant suggest I contact Citibank/Mastercard as they have the final say on what is covered in the policy. At this stage all I can say to fellow cruisers is be careful if you are relying on certain CC Complimentary Travel Insurances. They are OK if you buy a plane ticket as you pay the entire amount upfront. Not OK if you pay a deposit on a cruise then something unexpected happens before you pay the final payment.

×
×
  • Create New...