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Old 03-07-2013, 05:23 PM   #1
Lollipop's Mom
Special trip with your little one ~~ PRICELESS!
 
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Join Date: Feb 2004
Posts: 4,041

Warning: Do Not buy the Allianz insurance through DCL!

If anyone remembers my troubles not getting on the Feb 9th cruise with my very ill daughter.

Well now the insurance battle comes into play.

I will preface this by saying:
YES I should have read the policy better and trusted the Disney name way too much and didn't really read the policy properly. I can only blame myself, but do feel DCL should be selling a better product to their customers, and I will be contacting them about this.
I never in a million years thought I would have to actually use the insurance, so went with the flow, took a quick peek at the policy, but never imagined having to use it.
I am not having a pity party for myself -I have lost about $2000 and just have to deal with it and call it a loss
But need to warn others before they are in my situation.

So here is why you should NOT use it (vs. other ***************** policies I have now reviewed):

1. It only covers anything you personally bought via DCL. Does not cover any pre-paid hotels, any airfare, etc.. unless you booked it through DCL. If you had to cancel your trip before you left home, you are out your airfare and other pre-paid non-refundable expenses.
2. They will not cover us for trip interuption where we were stuck in Florida. They will only cover up to the cruise cost. I incurred about $1400 in hotel and food expenses while my daughter was recovering. We did not have fun -we spent 85% of our time in the room, with her vomiting and sick. They do not count this as a travel delay because she was not officially quarentined or in the hospital. She could NOT travel - she could barely stand up, but they won't cover it. If I had know this, I would have gone and let her puke for a week in a $29 travelodge. When I called Allianz I was assured everything was covered up to $150 a day each, but they have changed their tune. I am fighting this.
Now, if I had decided to take her home, puking on the plane and all that, and had to change my flights, they would have paid for my flight change. Last minute flight changes probably would have cost about $800, but no airline would have even let her fly in her condition. She was vomiting every half hour. I told them this and they of course don't care, because they are not in the business of being 'nice', they are in the insurance business.

So basically where it has left me:
Out $600 in airfare
Out $1000 in hotel stay
Out $400 in food
plus whatever else I can't think of..... But about 2 grand for sitting in a room watching my daughter vomit.

So moral of the story for everyone - learn from me. READ THAT POLICY. Buy from ***************** or elsewhere and see what is covered. If you or your child gets ill and causes you to completely miss your trip, are you covered for that ON TOP of your cruise expense?
Allianz DCL insurance will ONLY cover up to the cruise expense. Not a penny more for any reason.

Expensive lesson, but hopefully my lesson saves you $$$
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