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Contraflow
02-17-2012, 06:29 AM
http://www.kare11.com/rss/article/962009/391/MN-couple-stranded-in-Costa-Rica-after-ATV-accident

Ron and Elissa Merritt are desperately trying to get back to the U.S. where their health insurance will pay for treatment. But, they say it will likely cost $30,000 for a medical flight home.

kimistry6
02-17-2012, 07:08 AM
We always have travel insurance but we are very fortunate to have health insurance that will cover things like this, and also cover the flight back to the states.

networktek
02-17-2012, 07:11 AM
never go on any trip out of your country with out insurance

SeaYaRealSoon
02-17-2012, 07:38 AM
http://www.kare11.com/rss/article/962009/391/MN-couple-stranded-in-Costa-Rica-after-ATV-accident

Their insurance company is now orchestrating the flight home.

http://www.myfoxtwincities.com/dpp/news/minnesota/mn-woman-hurt-in-costa-rica-gets-medi-vac-back-feb-14-2012

Wadekind
02-17-2012, 07:45 AM
http://www.kare11.com/rss/article/962009/391/MN-couple-stranded-in-Costa-Rica-after-ATV-accident

I suspect if you had shown them a similar story before their trip they still would have declined trip insurance. Insurance is a bet. 99% of the time nothing happens and the insurance company wins or we win if we decided not to purchase trip insurance. Why make it mandatory when you most likely will not need it?

They did not have insurance and they chose to ride ATV's in another country on unfamiliar terrain. They lost the bet they would need insurance or their choice of excursion would end safely. They are now suffering the consequences of their choices. The outcome only affected them so why make trip insurance mandatory?

I have bought travel insurance from several different companies all based on price and coverage. By mandating travel insurance, the companies are guaranteed a revenue stream with no incentive to compete with each other on price or coverage.

TDC Nala
02-17-2012, 07:50 AM
I don't think of the story as a reason for travel insurance to become "mandatory" but as a cautionary tale for those who would choose not to use insurance. I don't think it should be made mandatory.

ravensilverlight
02-17-2012, 10:49 AM
I've always considered insurance to be a legalized form of gambling. I bet that I'll have an accident on the trip - the insurance company bets I won't. If I win, they pay - if they win, I paid.

If you think about it, all insurance is the same. Life insurance is betting you'll die earlier than they think. Medical insurance is betting you'll get sick. Car insurance is betting you'll have an accident. And the price always depends on their research into how likely it is that you're right and they'll have to pay out when you win.

Just my way of looking at it. :lmao:

(I always bet, though...lol)

wuv tigger
02-17-2012, 11:03 AM
and it WAS worth the price we paid for the insurance.

In fact, we will NEVER sail w/o insurance.

JUST NOT worth the RISK!:eek:

sayhello
02-17-2012, 11:07 AM
I agree it shouldn't be mandatory. Car insurance is mandatory a lot of places because you need it if you cause damage or injury to *someone else*. That I agree with!

Travel insurance is for if something happens or is done to *you* (or your family). I agree with the PPs who say it's a gamble. Will you actually need the insurance or not? Can you tolerate the risk or not? Personally, I'm not willing to accept that risk, so I buy travel insurance. 3 times I've been very glad I did, since I "won" the bet. I've never felt it wasn't worth it the other times I didn't need it. The peace of mind was worth every penny.

Sayhello

Contraflow
02-17-2012, 11:15 AM
By mandating travel insurance, the companies are guaranteed a revenue stream with no incentive to compete with each other on price or coverage.
I disagree. You are mandated to buy liability auto insurance and the rates are highly competitive.

sissy_ib
02-17-2012, 11:21 AM
This happened on the 10th and the woman was back in the states on the 14th.
Four days is a long time when you are in this condition!
In the comments of the first article the MIL of the woman said she went without medical treatment for 6 hours and they had already paid $15,000 OOP.
Thank goodness the insurance company helped get the medial airlift but I'm sure that is a hefty cost to the couple.

I have never used a TA, do they always talk about insurance? I know whenever I book a flight, hotel, car online there is a box about adding insurance.

Brumbie13
02-17-2012, 11:36 AM
I just consider trip insurance part of the cost of my cruise.

The main reason I buy trip insurance is not because I expect something bad to happen, but because I want to get my money back in the even that something unforeseen happens in the long time between when I sign up for a cruise and when I actually go. I like the idea of "cancel for any reason" insurance.

Heck, when you're paying $5,000+ for a vacation that's a year and a half away, what's an extra few hundred dollars to ensure that, if something comes up and you can't go after all, you'll get almost all of that money back? :confused3

miztressuz
02-17-2012, 11:39 AM
I disagree. You are mandated to buy liability auto insurance and the rates are highly competitive.

only to a degree. for the states that have many auto insurance providers, yes they will be competitive. however, in place that have very few then the rates are way less competitive (there are other reasons for that too... generally the reason why there are few providers is cuz the risk to the business is too great and that would drive prices up a bit too).

insurance is a business and not a 'right' as some people like to believe. i think that all insurance should be optional... however, I will entertain debate about auto insurance. the factors involved with auto insurance are different than any other insurance i can think of so i see the argument for it. but i still think the premiums would be a bit less if it were optional. but i'm way digressing here.

no - travel insurance should not be mandatory. travel insurance only benefits the individuals buying it (unlike auto insurance) and so it is an individuals choice whether to use it or not. we're adults and should know the risks.

MrsScooby
02-17-2012, 12:13 PM
I suspect if you had shown them a similar story before their trip they still would have declined trip insurance. Insurance is a bet. 99% of the time nothing happens and the insurance company wins or we win if we decided not to purchase trip insurance. Why make it mandatory when you most likely will not need it?

They did not have insurance and they chose to ride ATV's in another country on unfamiliar terrain. They lost the bet they would need insurance or their choice of excursion would end safely. They are now suffering the consequences of their choices. The outcome only affected them so why make trip insurance mandatory?

I have bought travel insurance from several different companies all based on price and coverage. By mandating travel insurance, the companies are guaranteed a revenue stream with no incentive to compete with each other on price or coverage.

I don't think of the story as a reason for travel insurance to become "mandatory" but as a cautionary tale for those who would choose not to use insurance. I don't think it should be made mandatory.

only to a degree. for the states that have many auto insurance providers, yes they will be competitive. however, in place that have very few then the rates are way less competitive (there are other reasons for that too... generally the reason why there are few providers is cuz the risk to the business is too great and that would drive prices up a bit too).

insurance is a business and not a 'right' as some people like to believe. i think that all insurance should be optional... however, I will entertain debate about auto insurance. the factors involved with auto insurance are different than any other insurance i can think of so i see the argument for it. but i still think the premiums would be a bit less if it were optional. but i'm way digressing here.

no - travel insurance should not be mandatory. travel insurance only benefits the individuals buying it (unlike auto insurance) and so it is an individuals choice whether to use it or not. we're adults and should know the risks.

:thumbsup2

I advise people to get trip insurance, but I am totally against it being mandatory. Have known at least 2 families that were very glad they had it.

mellers
02-17-2012, 12:38 PM
I have had so many crazy things happen to me in my life that I know better than to rely on luck. Yes, insurance is a gamble, but it is a "risk/reward" gamble.

If you can tolerate the risk, and are wealthy enough to self-insure, good for you. However, as this couple in Costa Rica illustrates, be wrong once, and you may pay for your mistake for a very, very long time.

What I think is, rather than teeny-tiny little print, there ought to be a requirement for any out-of-country trip originating in the US to say, on the front:

"Most United States health coverage does not cover you outside of the US. We strongly recommend that you purchase health insurance, and, if you or any family member has an illness which has been treated within the past 90 days, you should get a policy with pre-existing conditions coverage, as otherwise these may not be covered".

mmouse37
02-17-2012, 01:00 PM
Another thing to consider even with insurance....there are policies with clauses that specifically say they will not cover if you were participating in certain activities.....read your policies and make sure your insurance covers what excursion activities you plan.

This is listed under exclusions in one policy:

13) Participation as a professional in athletics (applies to Part A
only);
14) Participating in bodily contact sports; skydiving; hanggliding;
parachuting; mountaineering; any race; bungee cord
jumping; and speed contests (applies to Part A only).
The following exclusions apply to Baggage/Personal Effects Loss


MJ

wmharley
02-17-2012, 01:27 PM
never go on any trip out of your country with out insurance


+1 word up.:thumbsup2

mellers
02-17-2012, 01:58 PM
Another thing to consider even with insurance....there are policies with clauses that specifically say they will not cover if you were participating in certain activities.....read your policies and make sure your insurance covers what excursion activities you plan.

This is listed under exclusions in one policy:

13) Participation as a professional in athletics (applies to Part A
only);
14) Participating in bodily contact sports; skydiving; hanggliding;
parachuting; mountaineering; any race; bungee cord
jumping; and speed contests (applies to Part A only).
The following exclusions apply to Baggage/Personal Effects Loss


MJ

Very true

BigDisneyOE
02-17-2012, 01:59 PM
We don't travel without insurance, and it costs and arm and a leg to get cover to go the USA (mainly because of the medical system in the US being very different to here in NZ). Three weeks in the US has cost us nearly $400 compared to 10 days in Thailand for $100.

I used to work for our government in another country and have seen what happens to people in distress that need to get home (sometimes in a casket) - it costs a huge amount of government time to help liaise with insurers and families to get someone home when they need it most. Often times you can't travel without medical assistance and that person needs a hotel in the destination country for a day or two and then to be flown back to the point of orgin, it all adds up.

Without insurance you could end up in a government funded hospital that is nowhere near as good as a private establishment, believe me - I've seen the the difference and it's disturbing.

Certainly as a poster above points out, a lot of pursuits / sports aren't covered by travel insurance anyway unless you've taken out specific cover.

It's not just the medical side of things, the number of people we'd see that had no passport or money due to theft or general loss was very high - your insurance should cover you for that too.

Simply, for us, travel without insurance isn't going to happen.

Jennifer_Anne12
02-17-2012, 02:00 PM
I have sailed on 12 Disney cruises and have never had to use the trip insurance I purchased. However, this last January I collapsed during the safety drill and had to be taken to the medical center. I was glad that I wasn't out of pocket for those costs. Anything can happen at any time, so I believe it's best to be prepared!

sayhello
02-17-2012, 02:25 PM
I agree with BigDisneyOE. Medical expenses are not the only aspect of travel insurance that you should be looking at. Most travel insurance also have "concierge" advocates who work with and for you to arrange things. If your passport is stolen, they will help arrange to get you a replacement. They know their way around the system, so you are not on your own. And many policies will pay any fees you owe for the new passport, also. And if you end up missing the boat, or a flight, or whatever, they will help you get back to the ship, etc, and pay for that, also, in most cases.

I ended up in the ER in Alaska as I was getting ready to head to the airport to fly home. Not only did the travel insurance concierge work directly with the ER to pay my bills (I never saw a bill), but they got on the phone with me and worked with the Airline to re-book my now missed flight to the next day, and payed for the fees the Airline charged to do it (and I was told the flight the next day was sold out, so that took some doing!) She then got me booked into a hotel by the airport for the night. It was SO nice having someone advocating for me, and working through the process with me. And I wasn't even in a foreign country! How much more necessary would it be in a foreign county!

Sayhello

sayhello
02-17-2012, 02:29 PM
Another thing to consider even with insurance....there are policies with clauses that specifically say they will not cover if you were participating in certain activities.....read your policies and make sure your insurance covers what excursion activities you plan.

This is listed under exclusions in one policy:

13) Participation as a professional in athletics (applies to Part A
only);
14) Participating in bodily contact sports; skydiving; hanggliding;
parachuting; mountaineering; any race; bungee cord
jumping; and speed contests (applies to Part A only).
The following exclusions apply to Baggage/Personal Effects Loss


MJThat's a really good point, MJ. Some people think "I have insurance, I'm good to go in any situation" but that's just not always true. You really need to check if you're planning something "extreme".

Sayhello

disneywonderfun
02-17-2012, 03:03 PM
I guess I am more accepting of the risks involved and basically have never bought trip insurance of any type. Being in my early 40's, I simply feel that I would be the type of person who subsidizes the much more likely elderly traveler who runs into a health-related problem on a vacation. Until I am in my mid-50's, I do not see much need. For all the money I have not spent on trip insurance over the past 20 years or so, I am sure I could have two or three complete vacations with a several day hospital stay thrown into the mix.

DWF

MinnesotaMouseketeers
02-17-2012, 04:02 PM
We always purchase trip insurance when we cruise. It is just the cost of vacationing for us. But I would never mandate it for others.

That being said; I believe that most people that choose not to buy trip insurance will be the first ones on this board to whine why DCL owes them a refund.

Because the weather or mechanical problems at home caused them to miss the boat; it's not our fault, or dear someone got hurt while on an excursion; it's not our fault, or dear someone got sick while on board; it's not our fault. So you owe me DCL. I've read some of these posts all ready and I read replies where some people actually agree with them :scared1::headache::sad1:

Disneyholic
02-17-2012, 04:06 PM
I have bought trip insurance for every cruise I have been on, but do NOT feel it should be mandatory. Highly recommended, but NOT mandatory. I do not buy from DCL, but through AAAs insurance which I purchase within 14 days of booking. I have a pre-existing heart condition that wouldn't be covered by DCL insurance if I were to have a problem before or during the cruise. With AAAs insurance, pre-existing is covered as long as you get it within the 14 days of booking. I rebook my next cruise onboard and transfer the reservation to my AAA agent and the paperwork for the insurance from AAA is usually waiting for me when I get home. All I have to do is call him with how I want to pay it.

sissy_ib
02-17-2012, 04:13 PM
We always purchase trip insurance when we cruise. It is just the cost of vacationing for us. But I would never mandate it for others.

That being said; I believe that most people that choose not to buy trip insurance will be the first ones on this board to whine why DCL owes them a refund.

Because the weather or mechanical problems at home caused them to miss the boat; it's not our fault, or dear someone got hurt while on an excursion; it's not our fault, or dear someone got sick while on board; it's not our fault. So you owe me DCL. I've read some of these posts all ready and I read replies where some people actually agree with them :scared1::headache::sad1:
This is a big part of why I bought it for our net cruise. All the talk of Norovius. If we get sick a few days, insurance will cover it. The way I understand it however is you must see the medical staff and I have read conflicting things on how they treat people with potential Noro.
Anyone have any experience with being sick for a part of your cruise and filing an insurance claim?

Alexander
02-17-2012, 04:54 PM
We always purchase trip insurance when we cruise. It is just the cost of vacationing for us. But I would never mandate it for others.

That being said; I believe that most people that choose not to buy trip insurance will be the first ones on this board to whine why DCL owes them a refund.

Because the weather or mechanical problems at home caused them to miss the boat; it's not our fault, or dear someone got hurt while on an excursion; it's not our fault, or dear someone got sick while on board; it's not our fault. So you owe me DCL. I've read some of these posts all ready and I read replies where some people actually agree with them :scared1::headache::sad1:

We do not purchase insurance, never have. We understand the risks and choose to live with them. Please do not assume that most people who don't purchase the insurance will be whining that someone owes them something. You may have read some posts in which people whine, but please do not lump most people with the few posts you have read.

Wadekind
02-17-2012, 05:49 PM
We always purchase trip insurance when we cruise. It is just the cost of vacationing for us. But I would never mandate it for others.

That being said; I believe that most people that choose not to buy trip insurance will be the first ones on this board to whine why DCL owes them a refund.

Because the weather or mechanical problems at home caused them to miss the boat; it's not our fault, or dear someone got hurt while on an excursion; it's not our fault, or dear someone got sick while on board; it's not our fault. So you owe me DCL. I've read some of these posts all ready and I read replies where some people actually agree with them :scared1::headache::sad1:

I don't think OPs post was about the merits of buying or not buying trip insurance it was about making it mandatory to buy.
Sometimes I buy the insurance sometimes I don't depending on what I consider the risk to be. It should always remain a personal choice.
If I choose not to then i will have to suffer any consequences But just because I buy insurance does not give DCL a free pass.

I do feel that DCL is responsible for things on board the ship including mechanical. They own and maintain the ship so who else would it be? I also feel they are responsible for sickness if they do not thoroughly sanitize between cruises when there were norovirus symptoms on board, I feel they are responsible for some things that may happen on excursions you book through DCL as well. They put their name on it and took a cut of the fee. Acts of god, home issues, plane delays, and some accidents I can agree with you about whining.But it isn't whining going after them if they were in the wrong, insurance or no insurance.

Cmbar
02-17-2012, 06:03 PM
I agree with BigDisneyOE. Medical expenses are not the only aspect of travel insurance that you should be looking at. Most travel insurance also have "concierge" advocates who work with and for you to arrange things. If your passport is stolen, they will help arrange to get you a replacement. They know their way around the system, so you are not on your own. And many policies will pay any fees you owe for the new passport, also. And if you end up missing the boat, or a flight, or whatever, they will help you get back to the ship, etc, and pay for that, also, in most cases.

I ended up in the ER in Alaska as I was getting ready to head to the airport to fly home. Not only did the travel insurance concierge work directly with the ER to pay my bills (I never saw a bill), but they got on the phone with me and worked with the Airline to re-book my now missed flight to the next day, and payed for the fees the Airline charged to do it (and I was told the flight the next day was sold out, so that took some doing!) She then got me booked into a hotel by the airport for the night. It was SO nice having someone advocating for me, and working through the process with me. And I wasn't even in a foreign country! How much more necessary would it be in a foreign county!

Sayhello


SayHello are you talking DCL insurance or did you go private. If so who was your private insurer?


Also, would the situation that occured in the OP be covered by you usual DCL insurance. I thought that DCL charges the most and covers the least, especially if you are off on an excursion. Anyone know?

We have coverage through my husbands work with a company called TravelEx that will do the liason thing if we are out of country (whether on business or personal). That makes me feel better but I still want coverage that will cover the costs like going to the Medical clinic on the ship.

Wadekind
02-17-2012, 06:19 PM
SayHello are you talking DCL insurance or did you go private. If so who was your private insurer?


Also, would the situation that occured in the OP be covered by you usual DCL insurance. I thought that DCL charges the most and covers the least, especially if you are off on an excursion. Anyone know?

We have coverage through my husbands work with a company called TravelEx that will do the liason thing if we are out of country (whether on business or personal). That makes me feel better but I still want coverage that will cover the costs like going to the Medical clinic on the ship.

http://www.*****************/ has an excellent comparison tool.

MillauFr
02-17-2012, 06:46 PM
I guess I am more accepting of the risks involved and basically have never bought trip insurance of any type. Being in my early 40's, I simply feel that I would be the type of person who subsidizes the much more likely elderly traveler who runs into a health-related problem on a vacation. Until I am in my mid-50's, I do not see much need. For all the money I have not spent on trip insurance over the past 20 years or so, I am sure I could have two or three complete vacations with a several day hospital stay thrown into the mix.

DWF

I also never buy travel insurance. Insurance companies are scum in my opinion. The prey on people's insecurity to sell them a product that most people don't really need and then charging them 5 times what it really should cost. I do see why some people but it though, if you are flying in the day of the cruise, want to engage in risky excursions like ATVs, and have health conditions it is for you.

sayhello
02-17-2012, 09:28 PM
SayHello are you talking DCL insurance or did you go private. If so who was your private insurer?


Also, would the situation that occured in the OP be covered by you usual DCL insurance. I thought that DCL charges the most and covers the least, especially if you are off on an excursion. Anyone know?

We have coverage through my husbands work with a company called TravelEx that will do the liason thing if we are out of country (whether on business or personal). That makes me feel better but I still want coverage that will cover the costs like going to the Medical clinic on the ship.I went private (purchased through www.*****************). I actually had a policy with TravelEx (Travel Light policy.) They were very easy to work with, and I had a very positive experience with how they handled the incident, the claim, and reimbursements.

I'd call TravelEx and ask them if they can do some sort of addition to the policy that you have through your husband's work.

As far as the situation in the original post, it would depend on the policy. I imagine most would cover an ATV excursion (but you'd want to check first!) Obviously it was not a pre-existing condition, so I don't see any reason why she would not have been covered by travel insurance unless the policy explicitly excluded doing ATV's. Her medical bills would have been covered (although they might have had to pay up front & be reimbursed by the insurance. That's the kind of thing that's up to the insurance company) and assuming they purchased a policy that had at least $30,000 worth of medical evacuation coverage, that would have been covered, too.

DCL's insurance is not bad in situations like this. Where it is lacking is if your medical issue is due to a pre-existing condition (since the policy they sell does not have a pre-existing condition waiver). Also, their policy only covers things that are booked through DCL, so if you book your airfare yourself, it's not covered. But the policy is actually provided by Access America, which is a very good insurance company. DCL's policy tends to be more than policies you can buy on your own.

DCL's policy says this:

On-Site Hospital Payments
We will advance payments to Hospitals or guarantee payments up to the amount provided in medical expense coverage (see
Emergency Medical and Dental Benefits), if needed, to secure Your Medically Necessary admission to a Hospital.So they would probably have paid the advance money the Hospital was requiring for her treatment.

It also lists these exclusions:

6. Participation in professional or amateur sport events (including training);
7. All extreme, high risk sports including but not limited to: bodily contact sports; skydiving; hang gliding, bungee jumping, parachuting; mountain climbing or any other high altitude activities, caving, heli-skiing, extreme skiing, or any skiing outside marked trails;
8. Scuba diving (unless accompanied by a dive master and not deeper than 130 feet);
9. Operating or learning to operate any aircraft as pilot or crew;It doesn't list ATV's, but if you intended on doing that sort of excursion, you might want to ask your insurance company if it's excluded or not (it doesn't seem to fit any of the listed categories, so I tend to think it would be covered).

Sayhello

Contraflow
02-17-2012, 11:18 PM
I feel they are responsible for some things that may happen on excursions you book through DCL as well. They put their name on it and took a cut of the fee.
You do know they aren't right? Have you read the contract (http://disneycruise.disney.go.com/cruise-contract/?country=us)?
ALL ARRANGEMENTS MADE FOR OR BY GUESTS FOR (a) TRANSPORTATION OR TRAVEL (BY AIR, WATER OR ON THE GROUND), (b) SHORE EXCURSIONS AND ACTIVITIES, (c) TOURS, (d) THEME PARKS, (e) HOTELS, (f) RESTAURANTS, OR (g) OTHER SIMILAR ACTIVITIES OR SERVICES, ARE MADE SOLELY FOR GUESTS’ CONVENIENCE AND ARE AT GUESTS’ RISK. THE PROVIDERS OF SUCH SERVICES ARE INDEPENDENT CONTRACTORS AND ARE NOT ACTING AS AGENTS OR REPRESENTATIVES OF THE CARRIER.

THE CARRIER DOES NOT OWN OR CONTROL ANY SUCH INDEPENDENT CONTRACTORS, MAKES NO REPRESENTATION OF ANY KIND AS TO THEIR PERFORMANCE AND DOES NOT UNDERTAKE TO SUPERVISE THEIR ACTIVITIES, EVEN THOUGH CARRIER MAY COLLECT A FEE AND EARN A PROFIT FROM ARRANGING FOR OR TICKETING AND SALE OF SUCH SERVICES.

THE CARRIER DOES NOT MAINTAIN THE INDEPENDENT CONTRACTOR OR THIRD PARTY’S CONVEYANCES, FACILITIES OR INSTRUMENTALITIES AND DOES NOT MAKE ANY REPRESENTATIONS, EXPRESS OR IMPLIED, REGARDING THEIR SAFETY OR SUITABILITY. ANY GUEST USING SUCH SERVICES OR ACTIVITIES SHALL BE DEEMED TO AGREE AND CONSENT THAT ANY LIABILITY FOR ANY DEATH, PERSONAL INJURY, ILLNESS, EMOTIONAL DISTRESS, MENTAL SUFFERING OR PSYCHOLOGICAL INJURY TO THE GUEST OR LOSS OF OR DAMAGE TO PROPERTY SHALL BE THE SOLE RESPONSIBILITY OF THE PROVIDER OF SUCH SERVICE OR ACTIVITY.

GUEST FURTHER AGREES TO RELEASE AND HOLD CARRIER, CARRIER’S AFFILIATES AND CARRIER’S SUPPLIERS HARMLESS FOR ANY SUCH INJURIES, DAMAGES OR CLAIMS RESULTING FROM THE USE OF ANY SUCH SERVICES OR ACTIVITIES. GUEST AGREES THE CARRIER, CARRIER’S AFFILIATES AND CARRIER’S SUPPLIERS SHALL NOT BE OR BECOME LIABLE OR RESPONSIBLE IN ANY WAY FOR ANY ACT OR OMISSION OF ANY SUCH PROVIDER PERTAINING TO, OR ARISING FROM OR IN CONNECTION WITH SUCH SERVICES OR ACTIVITIES. Which also means it is a myth that the ship will always wait for you even for their excursions.

Disney Dreams
02-18-2012, 05:02 AM
Mandatory? No, I don't think it should be. It affects you and your family/group/friends.

Really really really smart idea? Absolutely

And if I never, ever need it (knock on wood), that's money I'm willing to simply consider a sunk cost of our vacation.

- Dreams

cyclenut
02-18-2012, 10:46 AM
I am not a fan of trip insurance but my wife is, so we buy it. I don't think it should be mandatory but I do like the Disney policy of automatically including it on the quite when you book through the web site.

I think passengers should be required to identify their trip insurance during the booking process. If they select "no trip insurance" as an option, they should be forced to read and agree to a "waiver" that basically explains what they are liable for. It need to be clear what risk they are taking.

Many people assume their personal health insurance will cover all their medical expenses even while traveling out of the country. Some will, some won't. Others assume that the US Embassy will move heaven and earth to get them home from wherever they are stuck. They might, but they might not ... and even if they do ... it won't likely be fast.

Personally, I have a benefit through work that extends to me even while on personal travel. It is a concierge type service that assists with making emergency travel arrangements and medical assistance if something happens while I am out of the country. It is called Medex Assistance (www.medexassist.com). In short, it is group travel insurance. Because my wife pretty much insists on travel insurance, I'm double covered.

sayhello
02-18-2012, 01:03 PM
I am not a fan of trip insurance but my wife is, so we buy it. I don't think it should be mandatory but I do like the Disney policy of automatically including it on the quite when you book through the web site.

I think passengers should be required to identify their trip insurance during the booking process. If they select "no trip insurance" as an option, they should be forced to read and agree to a "waiver" that basically explains what they are liable for. It need to be clear what risk they are taking.

Many people assume their personal health insurance will cover all their medical expenses even while traveling out of the country. Some will, some won't. Others assume that the US Embassy will move heaven and earth to get them home from wherever they are stuck. They might, but they might not ... and even if they do ... it won't likely be fast.

Personally, I have a benefit through work that extends to me even while on personal travel. It is a concierge type service that assists with making emergency travel arrangements and medical assistance if something happens while I am out of the country. It is called Medex Assistance (www.medexassist.com (http://www.medexassist.com)). In short, it is group travel insurance. Because my wife pretty much insists on travel insurance, I'm double covered.Some travel insurance companies (such as TravelEx) contract with Medex for their concierge service (it's specified right on my policy: "* Travelex Travel Assistance provided by MEDEX Assistance Corp."). They were the ones who helped me so extensively when I was injured on vacation in Alaska. Wonderful service. I wonder if I could contract directly with them for trips where I don't buy insurance (domestic trips to visit family & such)? Might be worth it.

Sayhello

TnRobin
02-18-2012, 02:52 PM
As mentioned before, check with your current insurance carrier. My health insurance will reimburse me for trips to the ship doctor. It also includes transportation. So if I need to be life-flighted from the ship, my insurance will pay for it. Granted it doesn't cover loss of luggage or inability to finish a trip.

Just make sure you are not "over-buying". Knowing what you have will help you determine what you need.

Wadekind
02-18-2012, 09:48 PM
You do know they aren't right? Have you read the contract (http://disneycruise.disney.go.com/cruise-contract/?country=us)?
Which also means it is a myth that the ship will always wait for you even for their excursions.

Yes I have read the contract and I also know the cruise contract makes them not responsible for anything other than passage on a ship to somewhere.

So are you OK and won't say a thing if you show up to the port and they put you on a 50 year old tanker and feed you cheese sandwiches while floating around for 7 days because the contract says they can? My point was that it is not whining to expect the cruise company to address issues which they have a business interest in and which they can control.

As a customer, I still would expect them to step up when something goes wrong on the ship or on an excursion which they are profiting from. From what I have read on these boards DCL does try to make things right even though the contract says they don't have to do anything. There is no way they would stay in business if they did not.

kcashner
02-18-2012, 09:58 PM
I buy it specifically because my medical insurance will not cover me if I am outside of the US. I agree that it's not a good value purchase, but it also generally costs less than the medical insurance that I buy to cover me when at home. Yes, I know that I pay for both for those weeks when I cruise.

My logic is that I could afford to lose the price of a cruise (I wouldn't be happy, but....) However, I'd be majorly grumpy if I got some huge medical bill because I had no coverage.

Mandatory? NO. But it's a cheap way for me to get out of the US medical coverage.

Contraflow
02-18-2012, 10:01 PM
You know who got home the quickest after the Costa Concordia incident? Those with travel insurance. You can expect a cruise line to do what is right, but there are just times when travel insurance just makes entirely total sense.