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About Steelers0854

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  1. One thing I never see discussed much in these conversations is the need to have a high limit credit card available. A lot fo the travel insurances out there are secondary coverages, and people forget that they actually have to pay, up front, for care in a lot of countries before being reimbursed. Some places will even require this payment to be made in advance of treatment. So keep this in mind and always have a plan to cover the costs to get the care you need and worry about the reimbursement later. We always use Nationwide’s Luxury Cruise policy. They have really high limits, coverage for pre-existing conditions, a reasonably priced cancel for any reason option and even some cruise specific coverages like an itinerary change. We filed one year when we missed Key West due to fog in Galveston and got back a sizable amount of money (I think like $250 each). The claims process was very quick and very easy. But we are also young (in our 30s) and don’t have to worry about increased premiums. For older individuals the Princess Insurance cant be beat. Bottom line, atleast have something, but as other have warned costs here can be expensive, and I don’t know about you all but I don’t have $100k+ in the bank to self insure if I get into a bad accident while away.
  2. It’s one of the reasons I like this Nationwide policy so much. Below is the coverage and you can see it’s broad and offers great coverage. Remember that while Carnival is the parent company, the brands are essentially run as separate business lines. So if Carnival had to cut costs seems to be the Elimination of an entire brand under the umbrella would be easiest. No idea how this would be classified. Appears Princess is a wholy owned subsidiary and so to me, if Carnival shuttered the Princess line it would be covered. I’m sure some insurance lawyer would disagree with me. Nationwide Luxury Cruise Policy excerpt: Bankruptcy and/or Default of Your Travel Supplier that occurs more than fourteen (14) days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than twenty-four (24) months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the insurance has been purchased within final payment for the Trip and for the full cost of the Trip;
  3. basically means if they go bankrupt and close up shop. If that happens there is almost 0 chance guests will get any of their money paid back. True. But I also asked here since we had a Princess cruise booked for next year and was curious what people thought about the financial stability of Princess in particular.
  4. I hate to bring this up, as I hope its just being overly cautious, but i posted about this in our Roll Call for our May 2021 British Isles Cruise. This trip is a major financial investment for us, and while final payment isn’t due until January 2021, we have started to book airfare and excursions. It got me thinking, we buy travel insurance for all our cruises no matter what, but a good majority of people do not. Is it time to start thinking about booking travel insurance for the Default protection benefit? With uncertain times ahead, I think it may be the most prudent thing to do. Interested to hear your thoughts on this. We have been looking forward to this cruise for a year, and I certainly hope it still goes as planned! Hope you all are safe and healthy.
  5. I’m just hoping we can go on our May 2021 British Isles cruise. I’m cautiously optimistic that things will improve by then. 2020 I think is a complete loss TBH.
  6. 0, I’m good day 1, this virus has a very short lifespan, a couple of days and its gone. Happy to take advantage of any discounts for those first ships out of the gate!
  7. This was probably when it was served in the Parmesan cheese basket but that’s a topic for a whole other thread! 😉. They do have an amazing fettuccine Alfredo.
  8. This! This is on my bucket list! Absolutely beautiful.
  9. I hope our paths will cross one day on a cruise (also would love to meet @Pam in CA and @PescadoAmarillo)! Its hard to even explain, walking off that gangway onto the ship, its like a huge weight is lifted off your shoulders and you just take this big cleansing breath.
  10. This was likely just a CYA thing, which is why its a notice posted to their website and not a wider messaging. Likely what happened, a couple of employees clicked links in emails they weren’t supposed to and gave the bad actor their credentials. It wouldn’t be limited to emails that YOU sent Princess, but what those respective employees sent internally to other employees, which is much more likely (depending on their position) to contain more personal information. That said, its likely its VERY limited information int the grand scheme of things. Most major companies archive all employee emails, so they likely have an idea exactly what was potentially compromised and posted this to cover themselves. Just my thoughts.
  11. With all that’s going on in other threads: discussion, panic, things in between, I thought it may be nice for a break and for us to focus on why we choose to cruise and why Princess makes cruising home for you. Please leave the virus discussion to the dozens of other threads, lets focus on the wonderful bits of life here. For me there is nothing better than a blended drink with an umbrella, no ringing phones, no responsibilities and the wonderful motion of the ocean making me sleep like a baby! (Ok so that last one in in Puerto Rico pre-cruise, but close enough!)
  12. Just because its on the internet doesn’t make it true. This is just blatantly false information, and spreading it just confuses people. Unless you can show me a link to a policy that lists “Cancel for any reason” and has stipulations on cancelling then please stop sharing this information. The reason you won’t find this is the company would get sued immediately, you cant say you can cancel for any reason and then say well not because of epidemic, etc. This is VERY different than being able to obtain this rider for a policy, yes many companies offer stipulations on purchasing this rider, but again its very easy to find a policy that you can get CFAR without many restrictions,. I posted about one earlier, Princess directly offers it as long as its before final payment.
  13. A lot of policies cover pre-existing conditions, generally have to purchase before final payment, that’s the catch.
  14. Ive never heard of a CC policy that includes CFAR, I think the OP was just saying they have trip insurance and tried to.claim interruption or cancellation due to the disease, which I have yet to see a policy that includes that, in any form (epidemic, pandemic etc). which is why everyone is now recommending your policy have a CFAR provision. If you find a CC that has this please let me know, Ill sign up for that in a heartbeat.
  15. Yup, exactly my point, you know the risks and are comfortable with any losses you incur. One thing I will point out is that US health insurance abroad is generally secondary insurance, meaning you have to pay at time of service and get reimbursed when you get home. This could be tens of thousands of dollars if not more, many people (you seem to not fall in this category) cant float that kind of money. Which is why picking the right cruise insurance policy is best to ensure they cover for what YOU need, which everyone will be different. My post was mainly for those that like to hop on here and complain that a for profit company isn’t willing to give them every penny back due to something the company has no control over, and then they say this creates a financial hardship. That’s where I was going. Keep me in mind in case you change your mind on the adoption, DW and I are great “kids” to have around 🙂
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