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Old 06-03-2019, 08:22 AM
 
Location: Loudon, TN
5,767 posts, read 4,825,615 times
Reputation: 19387

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READ the contract when purchasing trip insurance. Also look into travel credit cards. My credit card provides trip insurance that covers the cost of EMERGENCY medical treatment, and air evacuation to the nearest capable medical facility, if I purchased the trip using the credit card. You need to read all the fine print and make sure what the necessary steps are to ensure what expenses are covered. I still buy trip insurance for large trip costs, even with the credit card, mainly for the trip cancellation costs. Most cruise lines will not refund anything less than 30 days before the cruise, and many will refund only a portion 8-12 weeks out. I don't want to be stuck paying for a cruise that I didn't go on because of health reasons, a death in the family, or any of about a hundred reasons you can't even think of until they happen to you. Even trip insurance has different qualifying events. You need to make sure that you are getting insurance that covers cancellation for any reason, not just your own medical reasons. Imagine if your house burned down a week before the cruise, or your best friend went into the hospital in a coma, or a family member goes missing, and you lose $6k on a cruise because those reasons weren't covered. Even covered expenses will require documentation such as a letter from your doctor stating you are unable to travel due to a recent injury or illness. Be sure to save all receipts and any other documentation of the events, like news stories, text messages, e-mails, bills, photos, etc.
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Old 06-03-2019, 08:48 AM
 
2,066 posts, read 699,344 times
Reputation: 5311
Quote:
Originally Posted by Serious Conversation View Post
At some point, people are going to risk NOT having the insurance if it's $300 or something. The odds of something happening in any one week if you're reasonably healthy are pretty small.
I'm in excellent health! And, because of that, I've gone snorkeling in 42-degree water off Alaska (in a heavy wet suit), kayaked, scrambled down glaciers, climbed around the inside of a dormant volcano, taken hikes with names like "The Boulder Bash...", etc. I'd started buying travel insurance early on because of DH and his health issues and then realized that, being far more active, I had risks of my own.

And, as others have pointed out, there may be other reasons you cancel your trip or incur expenses if something goes wrong. My Dad is 88 and a lot of his systems are starting to fail. It happens if you live long enough. He and I have had this discussion and he's agreed that if the worst happens while I'm in the Galapagos in March he doesn't want me to cut the trip short and come home, but I might want to cancel a trip if he deteriorates suddenly (or worse) just before I'm scheduled to leave.

But definitely read the policy. Many, especially bare-bones ones, don't cover everything you would expect. A previous employer, in a meeting on our benefits, touted some sort of travel protection that applied even on vacations, but when I asked the specific question of whether it actually paid evacuation or medical expenses outside of the US the answer was No. All they'd do was connect you to a network that would refer you to an English-speaking doctor.
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Old 06-03-2019, 09:00 AM
 
Location: Scottsdale, AZ
7,596 posts, read 4,674,480 times
Reputation: 27796
Quote:
Originally Posted by TheShadow View Post
READ the contract when purchasing trip insurance. Also look into travel credit cards. My credit card provides trip insurance that covers the cost of EMERGENCY medical treatment, and air evacuation to the nearest capable medical facility, if I purchased the trip using the credit card. You need to read all the fine print and make sure what the necessary steps are to ensure what expenses are covered. I still buy trip insurance for large trip costs, even with the credit card, mainly for the trip cancellation costs. Most cruise lines will not refund anything less than 30 days before the cruise, and many will refund only a portion 8-12 weeks out. I don't want to be stuck paying for a cruise that I didn't go on because of health reasons, a death in the family, or any of about a hundred reasons you can't even think of until they happen to you. Even trip insurance has different qualifying events. You need to make sure that you are getting insurance that covers cancellation for any reason, not just your own medical reasons. Imagine if your house burned down a week before the cruise, or your best friend went into the hospital in a coma, or a family member goes missing, and you lose $6k on a cruise because those reasons weren't covered. Even covered expenses will require documentation such as a letter from your doctor stating you are unable to travel due to a recent injury or illness. Be sure to save all receipts and any other documentation of the events, like news stories, text messages, e-mails, bills, photos, etc.
Like everything in life, cruising has some risks.

You mitigate the risks to the extent you can but no one will be able to foresee all eventualities nor will insurance companies cover all eventualities.

A simple rule of thumb would be don't pay more for a cruise than you would be comfortable losing.
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Old 06-03-2019, 09:05 AM
 
9,181 posts, read 9,265,199 times
Reputation: 28754
Quote:
Originally Posted by NYgal1542 View Post
I just read in my local news how a man and his wife went on a cruise only to have him have a heart attack while on the cruise. It's a long article and you can read it if you go to syracuse.com. He had to take an air ambulance to a hospital here in US (I think FL) which required a $36,000 retainer fee. Once all was said and done, his total bill was over $650,000. His medical insurance is refusing payment, as well as any other insurance he may have had for the trip.

Just a bit of food for thought before going on a nice cruise before (or during) retirement.
Its why travel insurance is a good idea.
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Old 06-03-2019, 09:08 AM
 
8,181 posts, read 11,902,987 times
Reputation: 17929
Quote:
Originally Posted by athena53 View Post
Does someone have a link? This concerns me because I DO buy trip insurance.
The individual didn't purchase trip insurance. He was expecting his regular Blue Cross health insurance policy to cover this, which was patently ridiculous; especially the part about the jet landing in Ft. Lauderdale to refuel and then going on to Syracuse simply because the man wanted to be treated by his regular cardiologist. That trip was obviously not a medical emergency.

Quote:
Originally Posted by NYgal1542 View Post
athena53: I'm not sure what link you are looking for. But you can read the entire article if you go to syracuse.com.
The link to which Athena refers is the link to the newspaper article you've been talking about. Most people include such a link when creating a thread.

https://www.syracuse.com/crime/2019/...an-cruise.html
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Old 06-03-2019, 09:08 AM
 
Location: Scottsdale, AZ
7,596 posts, read 4,674,480 times
Reputation: 27796
Quote:
Originally Posted by Serious Conversation View Post
At some point, people are going to risk NOT having the insurance if it's $300 or something. The odds of something happening in any one week if you're reasonably healthy are pretty small.

I'll be interested in your opinion on this after you turn 60 and take a cruise.
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Old 06-03-2019, 09:12 AM
 
8,181 posts, read 11,902,987 times
Reputation: 17929
Quote:
Originally Posted by fluffythewondercat View Post
Shapiro is a fool to try to stick his insurance company for a ride home on a Learjet. It was completely unnecessary, since he could have been treated in Fort Lauderdale, then continued home to Syracuse on a commercial flight.

(This info is buried in about the 30th paragraph of the article.)

He didn't get away with scamming the insurance company and now he's whining to the media.
Exactly. Another thing that was buried in the article is that he hasn't even been billed yet! He even says that he thinks that the air evac company is threatening to do so in order to get BCBS to pay for the trip.

Shapiro said he hasn’t been personally billed the $656,063 by REVA. He thinks it’s a ploy by the company to settle with Excellus.

“Basically, as it stands, I believe they bill an outrageous amount, then settle a lesser amount,” he said. “What sticks, sticks.”
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Old 06-03-2019, 09:38 AM
 
Location: Central NY
4,653 posts, read 3,235,973 times
Reputation: 11907
MMoB: I provided the shortened version of the link. syracuse.com
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Old 06-03-2019, 09:43 AM
 
Location: Scottsdale, AZ
7,596 posts, read 4,674,480 times
Reputation: 27796
Quote:
Originally Posted by NYgal1542 View Post
MMoB: I provided the shortened version of the link. syracuse.com
The story is on the front page now, which is why syracuse.com works, but it won’t be there long. The idea behind posting a full link is that future readers of this thread will be able to find it, instead of getting whatever is on the front page then.

Just cut and paste from the URL bar at the top of your browser window.
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Old 06-03-2019, 10:23 AM
 
Location: Loudon, TN
5,767 posts, read 4,825,615 times
Reputation: 19387
Quote:
Originally Posted by fluffythewondercat View Post
Like everything in life, cruising has some risks.

You mitigate the risks to the extent you can but no one will be able to foresee all eventualities nor will insurance companies cover all eventualities.

A simple rule of thumb would be don't pay more for a cruise than you would be comfortable losing.
Well, the bolded statement above is my rule of thumb for going to a casino. I don't gamble more than I can be comfortable losing. But a cruise is not supposed to be a gamble. It's a service for a fee, and one in which the seller holds all the cards. Not buying trip insurance, when you're usually booking a cruise 6 to 18 months beforehand, is just foolhardy in my humble opinion. And there is NO TIME when I'm going to be COMFORTABLE "losing" $6k-$10k and getting nothing in return for some unforeseen reason which is probably not my fault.

Now you might say that I'm paying the cost of the insurance and getting nothing in return if I don't have to cancel, or don't get sick on my trip, but what I AM receiving is peace of mind, and that's worth the money to me. It's called "hedging your bet".
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