Celebrity Cruise Care Travel Insurance Question?

[cheeseheads4ever]

Wondering if any fellow cruisers have gotten a great deal on a cruise through the Blue Chip Club then after booking are told that they could not get Cruise Travel Insurance with Celebrity? was told this was because we got such a great deal? Doesn’t make sense to me. 
 

Edited March 31, 2021 by cheeseheads4ever

[cheeseheads4ever]

Hopefully the above post makes sense to readers. I don’t understand why Celebrity would say they couldn’t supply travel insurance? What’s the difference if it’s a $500 cruise or $10,000 it’s based on cost of cruise?

 

[dkjretired]

Never booked a Blue Chip but are they handled by a separate TA, if so that may be the reason.

[highway180]

I've booked several, but never bothered with travel insurance.

Any money paid is 100% refundable.

[cheeseheads4ever]

As long as you cancel prior to final payment and don’t need any travel insurance after that or during the cruise. I won’t take that chance. But Celebrity is telling me I have to go to an outside party for travel insurance. Don’t know if anyone who has booked through the Blue Chip Club and got a casino rate has heard of this. May be something new.

Edited April 1, 2021 by cheeseheads4ever

[highway180]

All blue chip cruises are 100% refundable

All you pay is taxes and port fees.They will add gratuities as well prior to final payment. Also

AI  does not apply to these bookings. Rules are different, as Blue Chip operates as a separate entity so to speak.

[KWW88]

On 4/1/2021 at 3:58 PM, cheeseheads4ever said:

As long as you cancel prior to final payment and don’t need any travel insurance after that or during the cruise. I won’t take that chance. But Celebrity is telling me I have to go to an outside party for travel insurance. Don’t know if anyone who has booked through the Blue Chip Club and got a casino rate has heard of this. May be something new.

Wondering why you would want to purchase travel insurance for a cruise that is only costing $500, do you feel the insurance premium would be worth it for that?

[cheeseheads4ever]

It’s not a $500 cruise it’s much more but my point was why does it matter to Celebrity whether it’s a $500 or $10,000 cruise you pay for travel insurance on cost of the cruise and what coverages you need. I was just using numbers to explain. Sorry for the confusion.

[KWW88]

Just now, cheeseheads4ever said:

It’s not a $500 cruise it’s much more but my point was why does it matter to Celebrity whether it’s a $500 or $10,000 cruise you pay for travel insurance on cost of the cruise and what coverages you need. I was just using numbers to explain. Sorry for the confusion.

No problem, I misread/misunderstood what you said.  

[hcat]

Cruise ins isnt just for  cancellation or delay or lost baggage but some extra policies beyind Cruise Care cover  increased med expense and evac . Very essential in our opinion.

 

Sorry we do not know the reason for needing a sep agency to get the policy..Are you sure it is b/c of Blue Chip or another reason or possibly the  state where you reside.?

 

We live in NY state..so we have to purchase the  Celeb cruise care sep through an agency designated by X...It is a big Pita...and not always refundable as we learned.  We also buy a supp policy for extra  med and evac coverage.  US Medicare  and our secondary  ins does not cover outside US.

 

We never cruise without ins..

[cheeseheads4ever]

When we originally booked with the Celebrity Rep in the Blue Chip Club we mentioned Insurance to him he said we could get the insurance through them later.  Then 3 weeks later he said we got such a good deal on the cruise they wouldn’t insure us and we had to go to a travel insurance company. We’ve gotten insurance through Celebrity for other cruises in the past so being in Florida is not an issue. My problem is we are past the pre existing condition deadline because we were going to book though Celebrity. Had we known this we would have booked the Travel Insurance through an outside Travel Insurance Company right away after booking cruise.

[cheeseheads4ever]

Update!

After a couple weeks of scratching our heads not understanding why the Blue Chip Club said our cruise couldn’t be insured with Celebrity Cruise Care because of our lower fare. 
I told my DW let’s try celebrity again before we contacted outside insurance. We did get ahold of someone in Celebritys Cruise Care Dept. she said there was a mixup with my Blue Chip Club Rep. if you are comped a totally Free cruise then they won’t insure you because it’s free. But if you pay a portion of the cruise like we did then you can get Celebrity Cruise Care insurance, makes sense now.

So we did. I did notice the medical and evacuation is pretty low but wondering I’d I can get a rider to raise those levels?

The Original Rep in Blue Chip Club did a flawless job if he didn’t give us bad insurance info. Other than that he did a good job.

[cmoore5524]

On 4/29/2021 at 7:26 AM, cheeseheads4ever said:

Update!

After a couple weeks of scratching our heads not understanding why the Blue Chip Club said our cruise couldn’t be insured with Celebrity Cruise Care because of our lower fare. 
I told my DW let’s try celebrity again before we contacted outside insurance. We did get ahold of someone in Celebritys Cruise Care Dept. she said there was a mixup with my Blue Chip Club Rep. if you are comped a totally Free cruise then they won’t insure you because it’s free. But if you pay a portion of the cruise like we did then you can get Celebrity Cruise Care insurance, makes sense now.

So we did. I did notice the medical and evacuation is pretty low but wondering I’d I can get a rider to raise those levels?

The Original Rep in Blue Chip Club did a flawless job if he didn’t give us bad insurance info. Other than that he did a good job.

I too was told by a Blue Chip rep that we couldn’t get Celebrity’s Cruise insurance when booking a cruise through Blue Chip Club, even though we were paying a fairly significant amount for our cruise.  Would you mind sharing the phone number you called and extension or department to ask for to get this corrected so we can follow up?  Thanks in advance.

[dkjretired]

On 4/3/2021 at 4:05 PM, KWW88 said:

Wondering why you would want to purchase travel insurance for a cruise that is only costing $500, do you feel the insurance premium would be worth it for that?

 

Could be for health insurance, Medicare does not cover seniors outside of the US. 

[cheeseheads4ever]

We just called the Captains Club. There was no issues....

[cheeseheads4ever]

The number we dialed was 1-800-760-0654. It was just a mixup on the Blue Chip Club Reps information to us.

 

[cmoore5524]

17 hours ago, dkjretired said:

 

Could be for health insurance, Medicare does not cover seniors outside of the US. 

And even if you are too young for Medicare, many employer or marketplace policies do not cover medical costs when traveling outside the US so travel insurance is necessary.