disneygirl2

I am trying to figure out how the interruption insurance pays out and I can never get a human being at AON that can answer my questions.  Has anyone here had an interrupted cruise and what was the formula they used to refund you?

Thanks

UPDATE:

I was reimbursed by my Aetna policy for the money I paid up front in Jamaica, which helped greatly.  I am still awaiting Royal Caribbean to send me documents (waiting for 1 month now) so that I can get everything to AON to finish up with them.  We are going on 3 months post cruise.  I knew this was going to end up dragging into the summer, even before the COVID issues.

On 2/16/2020 at 3:33 PM, bboop51 said:

I wish you a speedy recovery and I am so glad you had to good sense to travel with trip insurance. I had a conversation with my friend this morning who is cruising (soon.)  They did not buy trip insurance. When I asked her why, she said they did not much for the cruise, so it wasn't worth it. I asked about medical / evacuation and almost fainted when she said, well Medicare will pay. I said nope and she said I have a supplement. I told her to check with her supplemental insurance and her credit card and then call insuremytrip.  I know her husband takes care of everything financial and I upset her. I felt badly for that. But I would feel worse if something happened and they had not been forewarned.

Thanks, feeling a bit stronger every day.   I now feel obliged to tell everyone to get it!  Check with your health insurance, your visa cards, and make sure you are covered.  I count my blessings now that I am home weeding through all of this, hoping that the bulk of it gets paid in the end.  

26 minutes ago, pepperfeet said:

I did not have to pay any money up front.  I had to submit paperwork for, missed  days of cruise,  parking at airport, co-pays for follow up , and other things.

I didn't have to pay in Florida, but Jamaica was an entirely different beast.

1 hour ago, kinsus said:

 

How in the world do you pay upfront that type of money?  I don’t have cash like that anywhere to front that!  

We called home and had relatives send us the money.  Now that we have paid the Jamaica hospital, they sent my detailed bill and I can now send to the insurances that we have to hopefully be reimbursed.

I can tell you it was very scary.  Opened our eyes for sure.

1 hour ago, SG65CB said:

 

It is fascinating to hear how travel insurance works in a real life situation. We can all learn about the details we need to carefully consider when we're looking for our own policy.

 

I know that some travel insurance policies say they will pay the fee for you when the hospital insists on payment up front. Did your insurance not have this provision? 

 

Also did you have to pay for the Lear jet yourself and then get reimbursed by the travel insurance company, or did they make the arrangements and pay for it?

 

The Jamaica hospital insisted on the money up front.  I am actually calling the insurance company tomorrow to figure out how to get reimbursed.  We also paid for the jet transfer up front.  I think it just depends.  

We are back from the Oasis of the Seas cruise that started on Jan 26th.  Yes, you read that right, Jan 26th.  While on the cruise, day 2, I came down with the Flu that was diagnosed in the ship's doctor's office.  I received tamiflu and instructions to stay in my cabin. The following day I was not feeling better so I went back to the doctor hoping for an inhaler.  What occurred next is your worst nightmare.  The doctor on the ship freaked out a bit and decided I needed a CT scan to rule out a blood clot, which by the way I did not ever have. So in Jamaica at 4:00 I left the ship thinking we would be back for 6:30.  Well that never happened!  We ended up at the Jamaica private hospital where they proceeded to tell us that we needed cash otherwise, they would transfer us to the public hospital.  By the time this was all straightened out money wise (no they did not take the cruise insurance or our Aetna) the ship had sailed.  They finally were able to get me to Florida via lear jet on 2/1 where I stayed at Broward International hospital until my return home yesterday.  Let me say being in Jamaica was scary and the treatment was subpar.  Even the EMT's from the jet knew something wasn't right and had to tell the doctors what to do.  The staff in Florida were top notch.  Unfortunately by this point the Flu turned in Pneumonia with a few other things thrown in.  

Moral of the story......get the insurance, because my $2,000 cruise has turned into a $30,000 disaster that I am sure is going to take many months to fix.  Without that insurance though, I don't know where I would be right now.  Get the insurance, it is worth the $200

Following you....literally.  We sail next Sunday!!!!!

Has anyone just walked around Falmouth for the day?  We are thinking of just doing that versus beach or adventure.  Is it worth it?

Thanks

Cheryl

On 11/27/2019 at 1:31 PM, ABQrobin said:

The Bar Hop picks up everyone at Senor Frogs downtown.  You will get the information where to meet when you pay.  AFTER the Hop, the bus will drop people off at their piers, stopping outside each one.  Works like a charm.  Taxi downtown to Senor Frogs is about $5-7 from southern piers (International and Puerta Maya).

Don't forget.... cash cash cash ONLY on the tour.  None of the stops have electricity so they can't take cards of any sort.  Cash only.

Who did you book the bar hop through?

Thanks

ABQrobin;

who do you book the bar hop through?

On 12/27/2019 at 7:57 AM, shipgeeks said:

OP, just to clarify, are you flying into FLL, staying at a Miami hotel, and sailing from Miami?  You will need transportation for two different legs?

We fly in and out of FLL and cruise out of Miami.

I am going with SAS at $15 for both ways.

Thanks

27 minutes ago, nwcruiselover said:

SAS is what I always use.  They pick up at FLL and drop off at the Miami cruise terminal for $15.00 PP each way.  Very reliable.  They contact you by cell phone and let you know where to wait for them and when they’ll be there.  Go to ridesas.com.

Just looked them up...thanks.

I went searching but could not find this: how do most of you get from FLL to the port?  We are actually flying down a day ahead and staying at a hotel in Miami the day before.  We are thinking UBER at this point, but can't book ahead so I am a bit nervous.

Thanks

Cheryl

I am following along, we are on the same cruise last week in January and just starting to plan stuff.

I have a question.  Is seltzer water available all day like water?

We did with them 4 years ago.  There were 6 of us so 3 to a buggy.  We had a great time!!!