NCL Insurance

[sarlin]

Hi All,

 

NCL insurance-Anyone use it to visit ship's Dr.? If so what all did it cover? Even with insurance was it still expensive to visit? I have bronchitis and ear infection and of course am on antibiotis-2 rounds but am curious if it does not clear this time will I be able to get help from ship's Doc-We are leaving this afternoon to start our Journey for our cruise-

 

Thanks for any info

[ColinIllinois]

https://www.ncl.com/freestyle-cruise/booksafe

[House_Atreides]

This is why so many people get sick on cruises....

[Laszlo]

Hi All,

 

NCL insurance-Anyone use it to visit ship's Dr.? If so what all did it cover? Even with insurance was it still expensive to visit? I have bronchitis and ear infection and of course am on antibiotis-2 rounds but am curious if it does not clear this time will I be able to get help from ship's Doc-We are leaving this afternoon to start our Journey for our cruise-

 

Thanks for any info

 

You will fill out a health form before you board...

[sanger727]

You will fill out a health form before you board...

 

 

 

Neither bronchitis nor an ear infection will trigger a problem on the health form. They are looking for contagious conditions.

 

 

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[ColeThornton]

Neither bronchitis nor an ear infection will trigger a problem on the health form. They are looking for contagious conditions.

 

 

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Depends on what level of bronchitis it is as to whether or not it is contagious.

[billslowsky]

Hi All,

 

NCL insurance-Anyone use it to visit ship's Dr.? If so what all did it cover? Even with insurance was it still expensive to visit? I have bronchitis and ear infection and of course am on antibiotis-2 rounds but am curious if it does not clear this time will I be able to get help from ship's Doc-We are leaving this afternoon to start our Journey for our cruise-

 

Thanks for any info

 

My experience with a ship's clinic (it was on Royal) was that the charges were about the same as what you'd get at an urgent care center. Trip insurance through the cruise line will be secondary to any personal insurance you already have, which means that before it would pay anything, you file at home first, see what gets paid (plan on nothing if it's in the $200 range) and then you submit to the NCL insurance carrier.

 

Be prepared to pay up front, in other words. Check with your own insurance company and find out the extent of your foreign travel coverage.

[fstuff1]

My experience with a ship's clinic (it was on Royal) was that the charges were about the same as what you'd get at an urgent care center.

 

Trip insurance through the cruise line will be secondary to any personal insurance you already have, which means that before it would pay anything, you file at home first, see what gets paid (plan on nothing if it's in the $200 range) and then you submit to the NCL insurance carrier.

 

Be prepared to pay up front, in other words. Check with your own insurance company and find out the extent of your foreign travel coverage.

i buy 3rd party evac only insurance.

$500k medical evac and $25k PRIMARY medical for $21 for my 20 day cruise!

(you dont need evac to use the medical portion)

 

main selling point for me was that medical was primary.

no hassle/waste of time running back and forth between regular health insurance and trip insurance.

 

never needed it tho (which is a good thing) so can't answer op's question

[newty25]

My experience with a ship's clinic (it was on Royal) was that the charges were about the same as what you'd get at an urgent care center. Trip insurance through the cruise line will be secondary to any personal insurance you already have, which means that before it would pay anything, you file at home first, see what gets paid (plan on nothing if it's in the $200 range) and then you submit to the NCL insurance carrier.

 

Be prepared to pay up front, in other words. Check with your own insurance company and find out the extent of your foreign travel coverage.

Mostly correct.

 

You can get secondary OR primary medical insurance. Primary reimburses directly. Secondary reimburses once your primary insurance pays out (or rejects the claim).

 

Most plans are secondary but you can ask for a primary plan instead.

 

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[billslowsky]

Mostly correct.

 

You can get secondary OR primary medical insurance. Primary reimburses directly. Secondary reimburses once your primary insurance pays out (or rejects the claim).

 

Most plans are secondary but you can ask for a primary plan instead.

 

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The OP asked about insurance bought from NCL. I have bought it; it is secondary.

[BirdTravels]

NCL insurance-Anyone use it to visit ship's Dr.? If so what all did it cover? Even with insurance was it still expensive to visit? I have bronchitis and ear infection and of course am on antibiotis-2 rounds but am curious if it does not clear this time will I be able to get help from ship's Doc-We are leaving this afternoon to start our Journey for our cruise-

You pay for all services onboard.

 

Charged to your onboard account. Settled before you disembark.

 

You file a claim with your personal medical insurance.

 

Whatever gets denied, you file a claim with the NCL insurance. If you disclose the conditions were pre-existing, there may be issues with reimbursement.

[sarlin]

Thanks for the answers-

 

I should have added that I have never had fever with this the whole time I've had it and was told by my physician I was cleared for work-They think it came from allergies-

 

But anyway thanks for all the answers! Greatly appreciated-

[Shoppie124]

Neither bronchitis nor an ear infection will trigger a problem on the health form. They are looking for contagious conditions.

 

 

 

 

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Depending on the cause of the bronchitis, it could be contagious. Not commenting on OP but in general.

[Lorey2007]

i buy 3rd party evac only insurance.

$500k medical evac and $25k PRIMARY medical for $21 for my 20 day cruise!

(you dont need evac to use the medical portion)

 

main selling point for me was that medical was primary.

no hassle/waste of time running back and forth between regular health insurance and trip insurance.

 

never needed it tho (which is a good thing) so can't answer op's question

 

Where do you get this kind of insurance? I'd like to look into this instead of paying $195 pp for a 4 night cruise.

[GeezerCouple]

Where do you get this kind of insurance? I'd like to look into this instead of paying $195 pp for a 4 night cruise.

 

You might want to post your questions - and also browse - on CC's travel insurance sub-forum:

 

https://boards.cruisecritic.com/forumdisplay.php?f=635

 

Also consider calling a travel insurance broker such as

 

www.TripInsuranceStore.com (that's who we've been using since learning about them here on CC a few years ago).

 

But CALL them, don't just read the online summaries. There is a lot of fine print that can't fit into those summaries.

The brokers will be able to help you find the best insurance policy for your particular needs.

 

We happen to purchase policies from Travel Insured through TIS.

 

GC

[sanger727]

Depending on the cause of the bronchitis, it could be contagious. Not commenting on OP but in general.

 

 

 

True. I guess I left a statement out of my thought process that since OP has bronchitis and has been prescribed antibiotics (so clearly their doctor thinks it’s bacterial at this point) it won’t matter for the health questionnaire. Frankly, it wouldn’t matter if OP had a cold either. All the form asks is if you have a fever plus other symptoms.

 

 

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[allison0523]

I purchased NCL insurance for my parents when they booked a casino comped cruise. My dad got sick and I had to take him to the ships doctor. The total charge was around $1100 and he was diagnosed with bronchitis and given antibiotics. He filed the insurance paperwork when we arrived home and received a check for the total amount. Medicare refused the claim because he was more than 150 miles (or whatever their criteria is) outside of the US.

 

 

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[billslowsky]

I purchased NCL insurance for my parents when they booked a casino comped cruise. My dad got sick and I had to take him to the ships doctor. The total charge was around $1100 and he was diagnosed with bronchitis and given antibiotics. He filed the insurance paperwork when we arrived home and received a check for the total amount. Medicare refused the claim because he was more than 150 miles (or whatever their criteria is) outside of the US.

 

 

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Medicare wouldn't cover it, but if they had a medigap plan it usually does. I think up to $25,000 at 80%.

[cathi007]

Hi All,

 

NCL insurance-Anyone use it to visit ship's Dr.? If so what all did it cover? Even with insurance was it still expensive to visit? I have bronchitis and ear infection and of course am on antibiotis-2 rounds but am curious if it does not clear this time will I be able to get help from ship's Doc-We are leaving this afternoon to start our Journey for our cruise-

 

Thanks for any info

 

I just cancelled my NCL insurance and got a plan from Insuremytrip. It was cheaper, much better coverage, and if they itinerary changes before departure they pay each person on my plan 1250.00 There are 6 of us, so it's worth the price...I saved 300.00 for the NCL coverage, not a bad deal

[billslowsky]

I purchased NCL insurance for my parents when they booked a casino comped cruise. My dad got sick and I had to take him to the ships doctor. The total charge was around $1100 and he was diagnosed with bronchitis and given antibiotics. He filed the insurance paperwork when we arrived home and received a check for the total amount. Medicare refused the claim because he was more than 150 miles (or whatever their criteria is) outside of the US.

 

 

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Would you mind confirming what others have mentioned, that the ship charges you immediately, the insurance reimburses you later. They don't "work with the insurance company".

 

That was our experience. They gave us sufficient paperwork to file the claim at the time, so don't lose that!

[terry&mike]

Would you mind confirming what others have mentioned, that the ship charges you immediately, the insurance reimburses you later. They don't "work with the insurance company".

 

That was our experience. They gave us sufficient paperwork to file the claim at the time, so don't lose that!

That was my Mom's experience also. She picked up some sort of cold/cough while sailing in the Med. Went to ship's doctor, got diagnosis, meds, etc. Cost was around $600. She paid for it on her shipboard account. When she returned home she filed it with her travel insurance provider and was fully reimbursed in about 3 weeks.

[allison0523]

Would you mind confirming what others have mentioned, that the ship charges you immediately, the insurance reimburses you later. They don't "work with the insurance company".

 

That was our experience. They gave us sufficient paperwork to file the claim at the time, so don't lose that!

That is correct. They add the amount charged at the clinic to your folio. So, we always bring a credit card that has a high limit on it in case of emergencies. We paid with a credit card then had to wait for reimbursement after all of the paperwork was filed after we got back. I believe my father submitted the bill to medicare and his supplemental. It was denied by both. We sent those letters to the NCL insurance provider and they mailed a check for the full amount to him. Normally I don't buy NCL insurance because it is more expensive than other travel insurance policies but because their cruise was comped, we just added it at the time of purchase. I asked at guest services whether there was a way to take care of the bill on the ship through the insurance but since the insurance is secondary, this was not possible.