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Old 06-07-2019, 09:37 PM
 
Location: North Scottsdale
30 posts, read 17,981 times
Reputation: 104

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My company buys tickets for folks to fly and we got deep into fine print.

You buy travel insurance for your Miami cruise just in-case of a hurricane near Florida - and a small storm way at the southern tip of South America has been named by the weather service before you bought the insurance and that storm, two weeks later messes up your trip, the insurance wonít cover it. It was a foreseeable event as they call it. It was already a named storm. You shoulda known!

Your Dad is sick, and old - but doing pretty well, and you buy insurance for your Europe trip, and he dies while you are there. It doesnít cover it. Foreseeable event - he was old and sick.

You saw your cardiologist a couple of months ago, you've got some issues but you want to take the trip youíve planned to Mexico. To be safe you buy that wonderful insurance to protect you just in case your ticker acts up. It does, and you need to get home. Nope. You had heart issues, saw a cardiologist - and you knew it, foreseeable event. No coverage.

Of course they will sell you the policy, they just wonít pay out the policy. Makes you wonder what they will pay for.
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Old 06-08-2019, 06:52 AM
 
2,072 posts, read 703,003 times
Reputation: 5311
Most insurance covers pre-existing conditions but only if you buy within a few days of making your first payment. If you buy it after your cardiologist finds issues, no, they're not going to cover it. This is a part I read carefully, although I have no pre-existing issues. I DO have an 88-year old Dad. I can't remember if I mentioned this upthread, but he and I have discussed this. If I'm in the Galapagos and he departs this earth, he doesn't want me rushing back home, even if I have insurance. (He'll be cremated so no rush to be there for a funeral.)
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Old 06-08-2019, 08:15 AM
 
Location: Loudon, TN
5,767 posts, read 4,825,615 times
Reputation: 19395
Quote:
Originally Posted by xxmagex View Post
I'm sorry, when I saw that I heard a voice in my head saying "Challenge accepted!"
Haha! Let us know how it turns out!
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Old 06-08-2019, 08:22 AM
 
Location: SoCal
13,191 posts, read 6,308,074 times
Reputation: 9815
I read the fine prints also, at least for the credit card like Chase, it doesn’t cover pre-existing conditions. So good luck with that. I’m worry they might wrangle their way out.
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Old 06-08-2019, 08:27 AM
 
Location: Loudon, TN
5,767 posts, read 4,825,615 times
Reputation: 19395
Quote:
Originally Posted by fluffythewondercat View Post
The better cruise lines are all-inclusive.
Yep, and a lot more expensive. Hopefully the folks on those ships can handle the presence of food and alcohol without acting like fools. No guarantees though. In the end, whether you pay for the booze package, or you just pay a higher price for your all-inclusive cruise, it really ends up costing about the same.
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Old 06-08-2019, 10:05 AM
 
Location: Scottsdale, AZ
7,608 posts, read 4,680,291 times
Reputation: 27821
Quote:
Originally Posted by TheShadow View Post
Yep, and a lot more expensive. Hopefully the folks on those ships can handle the presence of food and alcohol without acting like fools. No guarantees though.
Yes, there are people in the world who have money and aren't gluttons or alcoholics. Generally, they are accomplished and well-educated, which makes them interesting to be around.

Quote:
In the end, whether you pay for the booze package, or you just pay a higher price for your all-inclusive cruise, it really ends up costing about the same.

I think the all-inclusive cruise lines are more, because everything is "more." In addition to alcohol, you don't pay extra for specialty restaurants, fancy coffees in the cafe or bistro, tips, shore excursions, unlimited Internet access, etc. Everything is included, with the exception of the casino. We usually have credits to spend onboard, so even the shops are included to some extent.
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Old 06-09-2019, 12:58 PM
 
6,611 posts, read 3,738,816 times
Reputation: 13655
Quote:
Originally Posted by TheShadow View Post
No most people don't gain weight on cruises. If they eat a lot, they might gain a couple pounds temporarily, but most people only cruise for about 7 days. How much weight can a person gain in 7 days? And when you return to your regular mode of eating, it will generally fall right off.

I think many people might be tempted to "pig out" the first few days and then, when the novelty of having delicious food available at all hours wears off, they settle back into a more normal dining routine.

The multi-course dining room dinners also feature pretty tiny portions, although you're not restricted as to how many portions you wish to order.

As far as drinking a lot, many cruise lines force you to either buy a drink package at a cost of about $75/per person, per day of cruising (so that's $500+ extra per person for a 7 day cruise), or to pay $6-10 per drink for alcohol. So unless they have a huge budget, most don't guzzle alcohol.
I have to watch what I eat constantly. I gain weight easily,and it's tough taking it off. I could gain 10 pounds in a week with no trouble. Esp if I'm just sitting around and eating fattening foods. Booze is fattening, as well (although I rarely drink). It would take me at least 2 months to take off 10 pounds. At least.

That's why I asked.
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Old 06-09-2019, 05:49 PM
 
260 posts, read 67,465 times
Reputation: 627
All ships have a exercises deck that you can walk or jog around. They all have gyms. We used them to keep from gaining weight.
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Old 06-09-2019, 06:33 PM
 
130 posts, read 46,183 times
Reputation: 493
Quote:
Originally Posted by Teacher Terry View Post
All ships have a exercises deck that you can walk or jog around. They all have gyms. We used them to keep from gaining weight.
True! Some ships have a covered wrap-around promenade deck for slow or uptempo walks to burn off calories. Even in windy and/or chilly weather, the promenade deck is great for exercise. On the Sports deck there is a jogging track.

Walking in port is great too especially if it is a repeat visit where you aren't interest in a tour.
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Old 06-10-2019, 05:41 AM
 
8,184 posts, read 11,902,987 times
Reputation: 17949
Quote:
Originally Posted by canoesmith View Post
My company buys tickets for folks to fly and we got deep into fine print.

You buy travel insurance for your Miami cruise just in-case of a hurricane near Florida - and a small storm way at the southern tip of South America has been named by the weather service before you bought the insurance and that storm, two weeks later messes up your trip, the insurance wonít cover it. It was a foreseeable event as they call it. It was already a named storm. You shoulda known!
You buy travel insurance when you pay for the cruise, and that is usually 2-3 months before sailing. There aren't any named storms that hang around for 2-3 months.


Quote:
Originally Posted by canoesmith View Post
Your Dad is sick, and old - but doing pretty well, and you buy insurance for your Europe trip, and he dies while you are there. It doesnít cover it. Foreseeable event - he was old and sick.
That is not only untrue, it is idiotic.


Quote:
Originally Posted by canoesmith View Post
You saw your cardiologist a couple of months ago, you've got some issues but you want to take the trip youíve planned to Mexico. To be safe you buy that wonderful insurance to protect you just in case your ticker acts up. It does, and you need to get home. Nope. You had heart issues, saw a cardiologist - and you knew it, foreseeable event. No coverage.
False, once again. If you purchase your insurance within a certain time period of making your initial deposit (usually 7-14 days, but sometimes longer), then your insurance will cover pre-existing conditions.


Quote:
Originally Posted by canoesmith View Post
Of course they will sell you the policy, they just wonít pay out the policy. Makes you wonder what they will pay for.
No, it makes me wonder how someone who purportedly has a company that purchases tickets for others and has gotten "deep into fine print", could be so ignorant and/or misinformed when it comes to trip insurance.
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