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Old 07-20-2012, 08:09 PM   #391
NitroStitch
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I didn't purchase trip insurance until we started doing ABD trips. We're both healthy people overall, but couldn't afford to lose that kind of money for a whole ABD trip if something happened.

Last July, DH got sick and ended up in the hospital for most of the ABD trip, plus had gallbladder surgery, all while we were in California. We were VERY glad to have had trip insurance, which helps with medical, some meals if you have receipts, cabs if you have receipts, and some trip interruption reimbursement. Since ABD can't price each experience separately so that they could put a price on each thing we missed, the reimbursement was far less than expected (kind of a unique situation), but it still helped. We were lucky that DH was cleared to fly back home exactly at the time we had originally planned flying home, but changes in flights and temporary lodging would have been helped with insurance too. It's hard to imagine how many unplanned expenses you have if something unexpected goes wrong, especially if it involves medical flights off cruises and family flying from a port to join the ailing family member, plus lodging while they're diverted from the trip they already bought.

I'd much rather spend the money on trip insurance when I can't afford not to have it - I'd rather feel silly not needing it than need it and not have it. Everybody's financial and physical situation is different, and like OKWLover pointed out, you have to look at your own situation and decide whether you'd rather possibly lose the money on trip insurance you didn't end up needing or possibly lose money on medicals and other expenses if something does go wrong.

Good luck deciding! I know I've agonized over that decision myself. For some types of trips we take, I never purchase trip insurance, since there isn't much loss built in to those trips if something goes wrong.
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Old 07-20-2012, 09:41 PM   #392
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We have passports. When cost is divided by # of years they're valid - not really that expensive.

We always get trip insurance. Funny, we've had to use it a couple times - but never for DS who has medical conditions - just for 'healthy' travelers..
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Old 07-20-2012, 09:55 PM   #393
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Just got passports; well, applied for them on Wed. Got them for both of us (adults) & DD5. We've been on 6 cruises without them & have been fine. For us, not having them limits where we could go in the future (a non-closed loop cruise such as a Panama Canal, etc.), plus, peace of mind. The guy at the post office said we'd receive our birth certificates in about 3 weeks & then the passports about a week after. We did our own pics (taken by DH & printed at Target).

Still have never gotten trip insurance (ever), but it's certainly something to consider. We know the pros & cons (no need to hash out on our account).

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Old 07-21-2012, 05:00 PM   #394
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Question - will there be any merchandise available to purchase that will have the PCC 4.0 logo on it from CafePress or anywhere?
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Old 07-21-2012, 05:02 PM   #395
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Originally Posted by TIGGERmetoo View Post
Question - will there be any merchandise available to purchase that will have the PCC 4.0 logo on it from CafePress or anywhere?
That's a big maybe. They did for PCC 2.0, but not for 3.0.
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Old 07-21-2012, 05:25 PM   #396
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We're the ones who had to leave the cruise last month, and I was glad a million times over that I'd gotten passports for our DDs. Once we were off the ship and outside the bubble, they were our absolute guarantee that we would have smooth passage back to the States for all four of us. The trip insurance we didn't book for the last trip cost us $200 for PCC4. It's a personal decision, but I wouldn't wish the red tape, extra cost, and stress we experienced last month on anyone. You just never know what might happen. We were so fortunate in so many ways, but we still had quite a lot to deal with that would have been covered up front by the trip insurance policy we bought for our next trip. I'm just glad that, on top of that, we never had to be worried about being outside the US without passports!

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Old 07-21-2012, 07:52 PM   #397
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Quote:
Originally Posted by Emiel View Post
I know only about the Dream, but: yes thay have a private room: we were in it during the Remy brunch on the Dream. To complete the story told on the podcast: we were told that Remy brunch is only served on sea days!

BTW: we really, really, really loved it. We were wasted after six courses of food with champagne , but it was worth it!
Sounds like a fabulous experience, Emiel! I really want to try it. I hope I can get some folks to join me!

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Originally Posted by Silverfox97 View Post
They offered Remy brunch on our last sea day only (Eastern on the Fantasy June 16-23). You had to go up to Remy to book. Sounds awesome & well worth the money, just for the champagne alone!!!!

I think we are going to do it on our March cruise & do Palo brunch on Costa Maya day on this cruise instead.
I wonder if they'll start offering it online any time soon? Thanks!

Quote:
Originally Posted by NancyIL View Post
If you had unlimited money, you could afford to self-insure your trip. It's the folks who can least afford to lose the cruise fare or pay a huge medical bill who need insurance the most. I don't buy trip insurance for US land trips, but I do for cruises.
Boy, ain't that true, Nancy! I buy the insurance for expensive trips, or trips outside of the US. My Medical insurance isn't good outside the US, and, so far, all my recent foreign trips have been ABD's.

Quote:
Originally Posted by myweegirls View Post
We're the ones who had to leave the cruise last month, and I was glad a million times over that I'd gotten passports for our DDs. Once we were off the ship and outside the bubble, they were our absolute guarantee that we would have smooth passage back to the States for all four of us. The trip insurance we didn't book for the last trip cost us $200 for PCC4. It's a personal decision, but I wouldn't wish the red tape, extra cost, and stress we experienced last month on anyone. You just never know what might happen. We were so fortunate in so many ways, but we still had quite a lot to deal with that would have been covered up front by the trip insurance policy we bought for our next trip. I'm just glad that, on top of that, we never had to be worried about being outside the US without passports!

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Boy, I'm glad everything ended up OK for you. What an ordeal!

The first time I got trip insurance was my very first cruise. It was Southern Caribbean, so long & expensive. I ended up with a scratched cornea ($300 just to see the ship's doctor!) so it ended up paying for itself (I'd gone through a Travel Agent, and he talked me into it). The second time I needed trip insurance, I ended up with a torn rotator cuff 2 weeks before a hiking tour of Yosemite. Hiking was really beyond me at that point. Insurance reimbursed me for the tour (not cheap!) and paid the airline change fee so that I could still do the second week of my trip, which was visiting family. The 3rd time I needed it, I tripped and fell on a dewy deck staircase, and slashed my head open. (While I'm a bit accident prone, it could happen to anyone!) Spent the morning in the ER (including a CAT scan) and missed my flight home from Alaska. The insurance included a "concierge" service (many policies do) that dealt directly with the ER (I never even saw a bill), called the airlines while I was on the phone & got me re-booked on the same flight the next morning (and payed for all change fees including the increased airfare), put me up in a hotel by the airport for the night, and reimbursed me for a couple of meals. I was *SO* grateful to have the insurance, and not have to worry about any of the details except getting patched up & getting to the airport the next morning.

If you never need insurance, then, obviously, it seems like a waste of money. The first time you really need it, you realize how much it's really worth. It really depends on how much risk you're willing to take. Me -- not so much any more!

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Old 07-21-2012, 08:22 PM   #398
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Yay for trip insurance, if its with a good company. I consider that couple hundred $ to be part of the cost of cruising.

Had a stroke just two weeks before a cruise. Insurance reimbursed us for having to cancel.
DD [who is healthy as a horse] had allergic reaction to pool chemicals, had to spend time getting treatments at ships doctor. Several hundred $, insurance reimbursed that, too.
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Old 07-21-2012, 10:23 PM   #399
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Thanks for everyone's responses on the Trip Insurance and Passports. I have decided to do the Trip Insurance, and am strongly thinking about passports.

Now I gotta get ready to make that final payment and start making reservations!

Scott
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Old 07-22-2012, 09:20 AM   #400
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Update in OP - Pre & post-cruise nights at the Swan/Dolphin are ALMOST SOLD OUT!!!

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Old 07-23-2012, 08:30 AM   #401
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Yep - I waited one day too late it seems - could not get a Wednesday night in the Dolphin. So we'll be doing All Star Movies then switch to Dolphin for Thursday and Friday night.

Get on it if you are considering it...

Thanks John for getting the rate for us - it's a real good deal.
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Old 07-24-2012, 01:53 PM   #402
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Quote:
Originally Posted by Emiel View Post
I know only about the Dream, but: yes thay have a private room: we were in it during the Remy brunch on the Dream. To complete the story told on the podcast: we were told that Remy brunch is only served on sea days!

BTW: we really, really, really loved it. We were wasted after six courses of food with champagne , but it was worth it!


They also said on sea days for 5-day cruises (not the 4-day cruises).

It was outstanding!
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Old 07-29-2012, 04:05 PM   #403
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Joining PCC 4.0

Booked the cruise this past Friday for myself and sister. Can't wait. I have enjoyed watching the videos from 3.0.

Karen
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Old 07-29-2012, 11:57 PM   #404
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So glad to hear you are considering getting the insurance.

When we booked PCC 2.0 and our Backstage Magic ABD trip I was "healthy". Little did I know what would happen between booking and actually going on the trip. I didn't make PCC 2.0 but went ahead and had my husband go on the trip. As my caregiver he needed a break. :-) The insurance picked up the single supplement and the refunded the balance of my half of the trip. I was lucky to be able to go on ABD Backstage Magic but up until the weekend before I wasn't sure the doc was going to let me go. That would of been an expensive trip to have to cancel and lose our money. Not having to use the insurance but knowing that we had it gave us great piece of mind therefore it was money well spent.

Enjoy your trip!

Carol
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Old 08-09-2012, 07:33 PM   #405
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I wonder if this thread could get merged with the 'Chit Chat' thread???

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