Should still get Princess Vacation Protection even with the Covid-19 Protection Program in place?

[nini]

3 hours ago, PrincessLuver said:

I agree also that usually Medicare and Medicare supplemental programs are very limited in any coverage at all out of the country.  I know there are some Medicare Gap programs that will provide some coverage.  We travel with an umbrella stand alone yearly international insurance policy that provides full coverage anywhere in the world.  We have definitely learned from past experience.

 

The key is when it comes time for people to access their policies (hopefully not) then they will really find out how it works and many have not have read the fine/small print and be surprised that many things are not covered like they thought they were.

 

We have had to access emergency medical services on cruises while visiting Russia, Jordan and Ecuador and medically evacuation from one country (very costly but thank god we were covered).  

Most countries will not take your insurance and you will pay out of pocket and medical records may not be translated or up to American standards for reimbursement.

 

If you do not have a cruise line insurance the cruise line might do very little for you or you can be charged medical fees for their services.  It can cost up to $5000 a night if you have to stay in the ship infirmary.  Also you might be off loaded at the next port if the doctor on boards determines it is a problem they are not equipped to handle.  (We had that happen too and they do not arrange transportation for you.)

 

I realize that not all passengers do a lot of long international cruises so insurance is less a consideration because they are in the US or its' territories or are close enough that they can get back fairly easily from Mexico, the Caribbean or Canada.  We do not have pre-existing conditions but have had some serious medical emergencies when were least expecting them.  We are seen people put off ships in some very isolated parts of the world and you just hope they had good travel insurance.

 

 

I am so glad that you and yours were able to be taken care of!

[mcrcruiser]

6 hours ago, nini said:

Hi Cliff-

We also have an Advantage Plan and are covered internationally for urgent and emergency care. However, nothing has been said about medical evacuation. I think I will ask them about that.

Happy Travels!

We did check our   Aetna Advantage plan & we are covered for emergency Evacuation   as   well as the emergency medical  any  where in the world 

 Cliff    

[Loritd]

Check your health insurance coverage.  Ours doesn't cover us outside the US.

[mcrcruiser]

1 minute ago, Loritd said:

Check your health insurance coverage.  Ours doesn't cover us outside the US.

If you gave a regular medicare plan & va gap insurance plan for the 20% that is not covered by medicare you are most likely not covered  by medicare outside the USA ,with our medicare Advantage plan Aetna extended the  medical & medical evacuation  to any where in the world .This is coverage for emergency treatment .We must then get back to our home area for continual care as needed 

[Babr]

14 minutes ago, mcrcruiser said:

If you gave a regular medicare plan & va gap insurance plan for the 20% that is not covered by medicare you are most likely not covered  by medicare outside the USA ,with our medicare Advantage plan Aetna extended the  medical & medical evacuation  to any where in the world .This is coverage for emergency treatment .We must then get back to our home area for continual care as needed 

Several of the Medicare supplement plans (Medigap) cover foreign travel, but they have a a relatively low lifetime limit. 

[brisalta]

On 10/28/2021 at 7:02 PM, rbtan said:

Then do me a favor & closely read the fine print on a cruise line's policy. I go by the Berlitz guide to cruising. They recommend NOT buying from the cruise line & that's good enough for me.

 

Are you serious? You actually take advice from the Berlitz guide to cruising? That is about the most humouous thing I have read all day.

[brisalta]

10 hours ago, mcrcruiser said:

FWIW if you are a medicare recipient & have a  Medicare Advantage plan ,check into emergency medical & medical evacuation coverage  .We have a Aetna  Medicare Advantage plan & all our emergency medical & medical evacuation is covered even when out of the USA 

 

 We also carry the chase Sapphire Credit card which insures our trips up to $20000 each for 2 people under a 40 day trip for free trip cancellation & trip interruption .We are both 82 & our insurance costs would be through the roof so very high   .so we are really pleased with both our Medicare Advantage   medical plan & the chase Sapphire credit card   .BTW ,check out that credit card as the perks are awesome plus you can get back a lot of cash . We love it as it has saved us thousands of $ 

Cliff

 

Aetna Medical Insurance if it was an animal it would be a weasel.

[mcrcruiser]

2 hours ago, brisalta said:

 

Aetna Medical Insurance if it was an animal it would be a weasel.

I have gotten  $2000  in free hearing aids this year . I paid only 20% for a Pride 4 wheel scooter  that is easily transportable  in ac car trunk &Aetna picked up the 80%   We pay nothing got our medicines which are all generic .Yes we work with in a referral  specialist  group  by our primary care physician ;but ,we have excellent specialists .no complaints & they will pay up to $1750 in dental care ,first 5 days in a hospital our copay is $100 per day .Then zero .Max out of pocket per year is $2000   & they cover us for out of USA emergency medical & med ical evacuation  ,Free eye exam yearly & free glasses 

 

 So what is not to like about Aetna Advantage plan ? 

 

 Cliff

[nini]

4 hours ago, mcrcruiser said:

We did check our   Aetna Advantage plan & we are covered for emergency Evacuation   as   well as the emergency medical  any  where in the world 

 Cliff    

We are also  covered internationally with our Advantage plan. We only pay  a $90.00 co-payment for urgent and emergency care. I was quite surprised and it does not have a lifetime max as do the Supplement plans.