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View Full Version : Trip insurance for PCC 2.0?


TXYankee
03-12-2010, 02:35 PM
Do you or don't you get trip insurance for PCC 2.0?
Why or Why not?
Do you get it through Disney or another agency?

Thank you for your input!

winotracy
03-12-2010, 02:51 PM
Do you or don't you get trip insurance for PCC 2.0?
Why or Why not?
Do you get it through Disney or another agency?

Thank you for your input!

I always get insurance when I am leaving the country for a cruise or otherwise. On my first cruise, I had to fly home in the middle because my father passed away. I strongly recommend insurance when the cost to get home in an emergency would be greater.

If you got hurt and needed hospitalization at WDW, you go to the hospital. If you need to be hospitalized out of the country, it could cost you an arm and a leg.

I generally go through another agency, unless I think that I may have to cancel for an uncovered reason. For instance, I thought once I may have to cancel due to work needing me so I got DCL's insurance. With DCL's insurance, if you have a penalty for cancelation that is not covered by the insurance, Disney will apply the amount of the penalty (less the cost of the insurance) to a future sailing.

aggielawyer
03-13-2010, 08:22 AM
Personally, I never buy travel insurance. The chances of something happening are so small that I'm willing to risk it.

Renysmom
03-13-2010, 08:48 AM
We would never cruise without it.

To many things can happen as you travel to, on and after the cruise not to have it. Medical care and emergency transportation costs are just to costly not to have it in my opinion.

disneyholic family
03-13-2010, 09:25 AM
Do you or don't you get trip insurance for PCC 2.0?
Why or Why not?
Do you get it through Disney or another agency?

Thank you for your input!

for cruises, i get the cancellation insurance from DCL - not sure wha't it's called..
in case the cruise is cancelled....

i don't get trip cancellation insurance for any other trips....

however, i always get medical insurance for all of our overseas trips (and that includes cruises)...
we get the top of the line - the insurance that includes medivac (taking you back home in a special medical evacuation plane with a doctor if that's the only way for you to get back home)..

TXYankee
03-13-2010, 10:02 AM
I always get insurance when I am leaving the country for a cruise or otherwise. On my first cruise, I had to fly home in the middle because my father passed away. I strongly recommend insurance when the cost to get home in an emergency would be greater.

If you got hurt and needed hospitalization at WDW, you go to the hospital. If you need to be hospitalized out of the country, it could cost you an arm and a leg.

I generally go through another agency, unless I think that I may have to cancel for an uncovered reason. For instance, I thought once I may have to cancel due to work needing me so I got DCL's insurance. With DCL's insurance, if you have a penalty for cancelation that is not covered by the insurance, Disney will apply the amount of the penalty (less the cost of the insurance) to a future sailing.

for cruises, i get the cancellation insurance from DCL - not sure wha't it's called..
in case the cruise is cancelled....

i don't get trip cancellation insurance for any other trips....

however, i always get medical insurance for all of our overseas trips (and that includes cruises)...
we get the top of the line - the insurance that includes medivac (taking you back home in a special medical evacuation plane with a doctor if that's the only way for you to get back home)..

Good Points. I never really thought of emergency medical, but it seels like an excellent idea. Are there any agencys you have used in the past? Any recomendations on how to find GOOD travel/medical insurance?

aggielawyer
03-13-2010, 10:58 AM
Good Points. I never really thought of emergency medical, but it seels like an excellent idea. Are there any agencys you have used in the past? Any recomendations on how to find GOOD travel/medical insurance?

Before you buy, check to see what your health insurance covers. It may be unnecessary.

disneyholic family
03-13-2010, 03:02 PM
Before you buy, check to see what your health insurance covers. It may be unnecessary.

yes, for example, i think some blue cross plans cover travel ...
not sure though..

i don't live in the US, so our health coverage is different...we have universal healthcare where i live - but overseas travel has to be purchased separately....it's not part of the universal plan...
and there are many levels of coverage....more coverage costs more...

but i think the medivac is worth it....for example, a cousin of mine had a terrible occurence a number of years ago..

he was in china on business and had a stroke...
he was completely paralyzed and in a very bad way...
of course his family wanted to bring him home for medical treatment..
fortunately, he had the medivac coverage....
without the coverage it would have cost some astronomical amount to get him home (i don't recall how much but it was at least $50,000....and this was 15 years ago)..
but since he had insurance, he was brought home (with a doctor and nurse taking care of him)...thank god...

anyway, since then i have ALWAYS purchased that special insurance..
even when we travel to the US, which most people would think you wouldn't need to be medivaced away from....but if i'm that sick or injured, i want to be home....not in some strange hospital far from home...

when my daughter traveled to southeast asia (vietnam, thailand, cambodia, etc), i not only got her medivac insurance, i also got her Search and Rescue insurance....that one pays for a special search and rescue team to search for her if she disappears (wherever it might be....whether she's trekking in nepal or whatever.....)...another one that you hope you'll have purchased for no reason, but is worth every penny if you god forbid need it...

but as i said, we don't live in the US, so i can't help with specifics..
however, i do know that medivac insurance is available there....

jeanigor
03-13-2010, 03:57 PM
I have a few maladies to contend with, a couple of them are chronic/pre-existing. For PCC 1.0, I declined the DCL insurance. The more I thought about it the more important I felt it would be. Getting the insurance with a pre-existing chronic condition is kinda tough and since it was after I made the booking and whatnot I had to go through a third party. I don't really know if it cost any more than DCL, but it was something I had to have some anxiety over...you know outside the safe happy Disney bubble...I didn't end up needing it, but I had it just in case. I don't plan on using it for PCC 2.0, but I got it just to be on the safe side and so I don't need to go searching for it after the fact.

NancyIL
04-03-2010, 06:41 PM
I have a few maladies to contend with, a couple of them are chronic/pre-existing. For PCC 1.0, I declined the DCL insurance. The more I thought about it the more important I felt it would be. Getting the insurance with a pre-existing chronic condition is kinda tough and since it was after I made the booking and whatnot I had to go through a third party. I don't really know if it cost any more than DCL, but it was something I had to have some anxiety over...you know outside the safe happy Disney bubble...I didn't end up needing it, but I had it just in case. I don't plan on using it for PCC 2.0, but I got it just to be on the safe side and so I don't need to go searching for it after the fact.

As an FYI - DCL's insurance does NOT have a waiver of pre-existing conditions - no matter when you purchase it. Most policies that do have that waiver require you to purchase the insurance within a specified amount of time after making the first trip deposit - usually 10-21 days. There are a few companies with policies that cover pre-existing conditions as long as the insurance is purchased within 24 hours of making the final trip payment: CSA and HTH.

Yes, I get trip insurance for cruises. Twice my sister was supposed to cruise with me, and twice she cancelled last minute when something happened to her husband. The 2nd time it happened, she cancelled 3 weeks before the cruise, and I had to pay a single supplement. I filed a claim with the insurance company when I got home, and I was reimbursed a few weeks later.

disneyholic family
04-04-2010, 04:46 AM
As an FYI - DCL's insurance does NOT have a waiver of pre-existing conditions - no matter when you purchase it. Most policies that do have that waiver require you to purchase the insurance within a specified amount of time after making the first trip deposit - usually 10-21 days. There are a few companies with policies that cover pre-existing conditions as long as the insurance is purchased within 24 hours of making the final trip payment: CSA and HTH.

Yes, I get trip insurance for cruises. Twice my sister was supposed to cruise with me, and twice she cancelled last minute when something happened to her husband. The 2nd time it happened, she cancelled 3 weeks before the cruise, and I had to pay a single supplement. I filed a claim with the insurance company when I got home, and I was reimbursed a few weeks later.

when you filed for the reimbursement - was the DCL insurance? or a different company?

sshaw10060
04-04-2010, 09:42 AM
I have a few maladies to contend with, a couple of them are chronic/pre-existing. For PCC 1.0, I declined the DCL insurance. The more I thought about it the more important I felt it would be. Getting the insurance with a pre-existing chronic condition is kinda tough and since it was after I made the booking and whatnot I had to go through a third party. I don't really know if it cost any more than DCL, but it was something I had to have some anxiety over...you know outside the safe happy Disney bubble...I didn't end up needing it, but I had it just in case. I don't plan on using it for PCC 2.0, but I got it just to be on the safe side and so I don't need to go searching for it after the fact.

In general the plans outside of Disney are better. I shop at http://***************** (http://insuremytrip.vom). Most plans do include pre-existing conditions if you buy the insurance shortly after making the deposit (usually 14 days). It pays to consider your needs. For example Tracy might have to cancel due to work (not covered by most policies, but possible to transfer your $$ to another cruise with Disney insurance. For our Baltic cruise this summer I have both Disney and another policy. Since my FIL is getting a bone marrow transplant in the next month we plan to cancel if he is not on the road to recovery by the time we leave town. Disney insurance will let us use that money on another cruise rather than losing it. The outside policy is really for medical coverage and was pretty cheap since I didn't need the cost of the cruise insured.

NancyIL
04-04-2010, 08:13 PM
when you filed for the reimbursement - was the DCL insurance? or a different company?
My insurance was with HTH, but they weren't Disney cruises. I don't buy insurance through the cruise line.

SFBayDon
04-04-2010, 10:58 PM
I always buy the insurance!