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!
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.
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?
Before you buy, check to see what your health insurance covers. It may be unnecessary.
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.
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.
My insurance was with HTH, but they weren't Disney cruises. I don't buy insurance through the cruise line.when you filed for the reimbursement - was the DCL insurance? or a different company?