piscean Posted May 26, 2020 #1 Share Posted May 26, 2020 With Covid 19 having stopped people taking cruises this year we are possibly looking at cruises for 2021. However there is a problem with this. My annual travel insurance is due shortly but like many insurers they have removed the cover for Covid 19. We have a cruise booked for April 2021(having transferred the deposit from an August cruise). So we will not now be covered for anything related to Covid 19...... Since this has been the cause of all cancellations this year what would you do? Link to comment Share on other sites More sharing options...
Rare LHT28 Posted May 26, 2020 #2 Share Posted May 26, 2020 You could check out the ins forum on CC as many people are asking the same question https://boards.cruisecritic.com/forum/499-cruisetravel-insurance/ Options Shop around for a policy that will cover Covid take a chance & hope you do not have an issue stay home Link to comment Share on other sites More sharing options...
tgg Posted May 26, 2020 #3 Share Posted May 26, 2020 UK insurance options may be different from those elsewhere. Link to comment Share on other sites More sharing options...
Petoonya Posted May 26, 2020 #4 Share Posted May 26, 2020 Be sure your insurance covers default. Link to comment Share on other sites More sharing options...
Hawaiidan Posted May 26, 2020 #5 Share Posted May 26, 2020 (edited) 5 hours ago, piscean said: With Covid 19 having stopped people taking cruises this year we are possibly looking at cruises for 2021. However there is a problem with this. My annual travel insurance is due shortly but like many insurers they have removed the cover for Covid 19. We have a cruise booked for April 2021(having transferred the deposit from an August cruise). So we will not now be covered for anything related to Covid 19...... Since this has been the cause of all cancellations this year what would you do? I would analyze what are the risks you might face. If you were to have payed by credit card you might have $20,000 pp insurance... Check your Medical situation what are your potential risk?... Talk to your doctor get a risk evaluation.... you might be facing little if any real risk other than worry. Don't scare yourself... Insurance companies love scared people. Some insurance you already have may be good anywhere. ( Kaiser for one) Dont buy too much insurance that duplicates what you have already. Many do.. and the fine print to many polices is they will "Assure you get X$ If another policy you have covers the same thing they will only cover any overage in within the policy limit. If you have 2 polices that are for $10,000 each for the same coverage.... Your only going to get $10,000 max not $20,000. So think what do I really need.... I have done this in the past and discovered I am totally covered with my Credit Card and Current Health insurance... If you have to get taken off the ship at sea it will be by either out Navy/Coast guard or another countries.. By treaty agreement you will not be charged anything. Edited May 26, 2020 by Hawaiidan Link to comment Share on other sites More sharing options...
clo Posted May 28, 2020 #6 Share Posted May 28, 2020 On 5/26/2020 at 11:56 AM, Hawaiidan said: I have done this in the past and discovered I am totally covered with my Credit Card and Current Health insurance... This topic came up so long ago that I'm not certain but didn't people say that most insurance doesn't cover pandemics? And Medicare doesn't cover outside the US.. Isn't that your primary? If they don't pay, does Kaiser then pick up the tab? Link to comment Share on other sites More sharing options...
Hawaiidan Posted May 28, 2020 #7 Share Posted May 28, 2020 15 hours ago, clo said: This topic came up so long ago that I'm not certain but didn't people say that most insurance doesn't cover pandemics? And Medicare doesn't cover outside the US.. Isn't that your primary? If they don't pay, does Kaiser then pick up the tab? Yes....Kaiser is the secondary to medicare and Yes Kaiser will pay any non elective medical bill anywhere in the world.... I have sent claims from Peru, Italy, Malta and 100% no deductible and no upper limit.... They have paid 5 figure bills for treatment that lasted 12 days in non Kaiser facilities. In the states they have paid 6 and 7 figure bills for me. There are different levels of Kaiser and they only insure very select areas of residence... Had them for 50 years..... If you qualify for Kaiser then check it out Link to comment Share on other sites More sharing options...
clo Posted May 28, 2020 #8 Share Posted May 28, 2020 13 minutes ago, Hawaiidan said: Yes....Kaiser is the secondary to medicare and Yes Kaiser will pay any non elective medical bill anywhere in the world.... I have sent claims from Peru, Italy, Malta and 100% no deductible and no upper limit.... They have paid 5 figure bills for treatment that lasted 12 days in non Kaiser facilities. In the states they have paid 6 and 7 figure bills for me. There are different levels of Kaiser and they only insure very select areas of residence... Had them for 50 years..... If you qualify for Kaiser then check it out Thanks. Knock wood I've not (yet) needed medical care outside the US. Our supplement is with USAA. I should check with them as to their coverage. I appreciate the heads up. 1 Link to comment Share on other sites More sharing options...
Silver Sweethearts Posted May 28, 2020 #9 Share Posted May 28, 2020 5 hours ago, Hawaiidan said: In the states they have paid 6 and 7 figure bills for me. There are different levels of Kaiser and they only insure very select areas of residence... Had them for 50 years..... If you qualify for Kaiser then check it out They have paid your 7 figure bills? Link to comment Share on other sites More sharing options...
Hawaiidan Posted May 28, 2020 #10 Share Posted May 28, 2020 55 minutes ago, Silver Sweethearts said: They have paid your 7 figure bills? Correct..... to be exact 1.27 mil and another 675 K, 2 years later!... $50 .deductible... When I lived In Kona, they would fly me and my wife to HNL put us up in a hotel for tests or a procedure they could not do in Kona.!!!.... On O they payed about 7K for medical on the ship in Easter Island....zero deductible........ Pretty cool insurance. I got my money's worth, ya' think? 55 minutes ago, Silver Sweethearts said: They have paid your 7 figure bills? Link to comment Share on other sites More sharing options...
Paulchili Posted May 29, 2020 #11 Share Posted May 29, 2020 (edited) 27 minutes ago, Hawaiidan said: Correct..... to be exact 1.27 mil and another 675 K, 2 years later!... $50 .deductible... When I lived In Kona, they would fly me and my wife to HNL put us up in a hotel for tests or a procedure they could not do in Kona.!!!.. HNL is not exactly in a foreign country, is it? Kaiser is expected to cover you in the USA Edited May 29, 2020 by Paulchili Link to comment Share on other sites More sharing options...
njhorseman Posted May 29, 2020 #12 Share Posted May 29, 2020 1 hour ago, Silver Sweethearts said: They have paid your 7 figure bills? Insurance paying a seven figure bill is unlikely to mean that they actually paid that amount. Insurance companies normally have negotiated rate schedules with hospitals so while you, the patient, may see a seven figure bill in all likelihood your insurance company is paying far less. The same is true for Medicare. Any hospital accepting Medicare will actually be reimbursed only a fraction of the bill presented to the patient. 2 Link to comment Share on other sites More sharing options...
clo Posted May 29, 2020 #13 Share Posted May 29, 2020 1 hour ago, njhorseman said: Insurance paying a seven figure bill is unlikely to mean that they actually paid that amount. Insurance companies normally have negotiated rate schedules with hospitals so while you, the patient, may see a seven figure bill in all likelihood your insurance company is paying far less. The same is true for Medicare. Any hospital accepting Medicare will actually be reimbursed only a fraction of the bill presented to the patient. I had a procedure a few years ago that the EOB (explanation of benefits) was $97k. We paid not a dime out of pocket with our USAA supplement. I need to check with them on out of US claims. Link to comment Share on other sites More sharing options...
clo Posted May 29, 2020 #14 Share Posted May 29, 2020 1 hour ago, njhorseman said: Insurance paying a seven figure bill is unlikely to mean that they actually paid that amount. Insurance companies normally have negotiated rate schedules with hospitals so while you, the patient, may see a seven figure bill in all likelihood your insurance company is paying far less. The same is true for Medicare. Any hospital accepting Medicare will actually be reimbursed only a fraction of the bill presented to the patient. So what? He didn't have to pay it. Link to comment Share on other sites More sharing options...
njhorseman Posted May 29, 2020 #15 Share Posted May 29, 2020 42 minutes ago, clo said: So what? He didn't have to pay it. But neither did the insurance company pay the 7 figures. I am just trying to educate anyone who thinks that "the insurance company paid a 7 figure bill" means they actually paid out that much money. What it actually means, at least in the US, is that the hospital has typically agreed to accept a payment far less than the amount billed. Link to comment Share on other sites More sharing options...
clo Posted May 29, 2020 #16 Share Posted May 29, 2020 56 minutes ago, njhorseman said: But neither did the insurance company pay the 7 figures. I am just trying to educate anyone who thinks that "the insurance company paid a 7 figure bill" means they actually paid out that much money. What it actually means, at least in the US, is that the hospital has typically agreed to accept a payment far less than the amount billed. Oh, I agree and totally know what you mean. When you look at a routine EOB it's shocking - to me - how little the doctors and others get paid. But the point of this is that HE didn't have to pay it. The other is likely cause for total reform of our health care system...which is way beyond my pay grade. Link to comment Share on other sites More sharing options...
YoHoHo Posted May 29, 2020 #17 Share Posted May 29, 2020 A poster who at one time on several threads wrote about how he would self insure and save mega bucks - so those who bought insurance were doing it wrong. Some time later the other shoe dropped where he posted that he had this great medical insurance so he was insured after all (but not as a separate policy for travel.) Granted it does not cover trip cancel etc. but saying how smart it is to self insure when already has super medical coverage is disingenuous. Some of us mostly purchase insurance for medical coverage as that is where the virtually unlimited loss can be, Moral of the story is take everything you read with a grain of salt (passing the shaker as you read this too) 2 1 Link to comment Share on other sites More sharing options...
Rare ORV Posted May 29, 2020 #18 Share Posted May 29, 2020 15 hours ago, njhorseman said: Insurance paying a seven figure bill is unlikely to mean that they actually paid that amount. Insurance companies normally have negotiated rate schedules with hospitals so while you, the patient, may see a seven figure bill in all likelihood your insurance company is paying far less. The same is true for Medicare. Any hospital accepting Medicare will actually be reimbursed only a fraction of the bill presented to the patient. To add to this, someone that is uninsured will be billed the whole amount, not the adjusted part. Will they pay it? Doubtful, and that is one of the many things that drive up health care and insurance costs for the rest of us. Link to comment Share on other sites More sharing options...
Rare LHT28 Posted May 29, 2020 #19 Share Posted May 29, 2020 I am one that takes out trip cancellation (had to use it a few times) Yes the money will be spent on the cruise/trip & if we had to cancel & lose the $$ it is still gone but I prefer to spend a bit to get most of the $$ back should we need to cancel & can travel another day My travel budget is limited so I like to make the most of it ..even if it means paying for the trip cancellation policy We get out of Country medical coverage with DH retirement plan Everyone needs to do what works best for them ..there is no right or wrong way JMO Link to comment Share on other sites More sharing options...
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