I need cancel for any reason insurance (elderly in-law) Therefore I am buying HALs insurance BECAUSE I don't have to add it a year in advance (only at final payment).
After reading another thread today, I begin thinking about a 2nd policy (which would apply to covered reasons Only). Basically I am thinking of doing the 80% coverage with HAL [instead of my original 90%] and the 2nd non cruise line policy that would cover medical/evac/$900 (20% of base fare).
My question is about HAL platinum Insurance, this would be the 1st time getting a cruise line's insurance.
If you go to medical ON the Ship, will hal just automatically take care of it thru the insurance OR is it like regular travel insurance and they bill your on board acct and I file a claim AFTER.
I ask because the answer would change my option of getting the platinum coverage, instead of regular hal coverage and other policy.