Ths DIS is a great place to ask Disney Cruise Line questions and share tips.
Dreams Unlimited Travel - The official sponsor of the Disney Cruise Forums Dreams Unlimited Travel - the official sponsor of the Disney Cruise Forums  

Go Back   The DIS Discussion Forums - DISboards.com > Disney Cruise Line > Disney Cruise Line Forum
Find Hotel Specials & DIScounts
 
facebooktwitterpinterestgoogle plusyoutubeDIS UpdatesDIS email updates
Register Chat FAQ Tickers Search Today's Posts Mark Forums Read



Reply
 
Thread Tools Rate Thread Display Modes
Old 03-08-2013, 03:39 AM   #61
danfromca
Earned his ears, now wants yours
Slept with 500 or so passports
Stumbling will probably be my primary mode of transportation by then
 
Join Date: May 2007
Location: San Jose, CA
Posts: 1,470

Quote:
Originally Posted by MDennis28 View Post
May I ask who you buy the second policy from please?
It depends on the trip and what my needs are. Usually it's TravelGuard or Access America. I did have occasion to file a relatively small medical claim with TravelGuard and it was quite straightforward. I have also had occasion to use the cruise credit on DCL insurance after a claim was denied - this was also straightforward, but not quick, as it required going through the process of first having the insurance claim denied, then applying for the credit with DCL.
danfromca is offline   Reply With Quote
Old 03-08-2013, 05:43 AM   #62
annabug
Mouseketeer
 
annabug's Avatar
 
Join Date: Aug 2006
Posts: 493

Thank you for posting your experience. I am sorry that you had, and continue to have such a rough time. Especially when your little one was sick, so stressful

I had no idea about what was covered via DCL insurance. I always add it on to my trip, and I did think it would just cover everything. Not good.

I plan on looking into this further. Thanks again
__________________

(me) (DH) (DD) (DS)
annabug is offline   Reply With Quote
|
The DIS
Register to remove

Join Date: 1997
Location: Orlando, FL
Posts: 1,000,000
Old 03-08-2013, 07:06 AM   #63
MikeAndNick
If you can dream it, you can do it.
 
MikeAndNick's Avatar
 
Join Date: Jan 2010
Location: Fresno, CA
Posts: 745

This is one more reason to use a good Travel Agent. The first time I booked a Disney Cruise my Travel Agent explained all of this to me and booked travel insurance outside of Disney. You can book a cruise without a TA but do you know the problems you could have and have someone to call when you have trouble? My TA even helped me file a claim when I needed to collect on the Insurance for a sick child.
__________________
Mike and Nick
Disney Cruise Lines: Wonder Land and Sea – Bahamas 2005, Magic Eastbound Trans Atlantic 2010, Magic Mexican Riviera Nov 20, 2011, Fantasy Western Caribbean June 23, 2012, Wonder Bahamian December 14, 2013
Princess Cruse Lines: Panama Canal 2006, San Francisco Alaska June 19, 2011, Pacific Coast Nov 24, 2013
Royal Caribbean Cruise Lines: Mexican Riviera 2009
Carnival Cruise Lines: Encanta Mexico 2009
NCL Cruise Lines: Mexican Riviera 2008
MikeAndNick is offline   Reply With Quote
Old 03-08-2013, 07:40 AM   #64
lizabu
DIS Veteran
 
lizabu's Avatar
 
Join Date: Jan 2011
Posts: 4,572

Quote:
Originally Posted by danfromca
There's one thing that is essential to remember about DCL insurance that hasn't been mentioned here yet - and is the reason I always get DCL insurance.

That is - if your insurance claim is denied, DCL will apply all non-refundable money towards a future cruise.

In other words, if the day before a cruise, you just decide not to go - you can file a claim, have it denied, and get a full credit towards a future cruise. It's essentially "cancel for any reason" insurance.

What I routinely do is get the DCL policy, and then get a second policy that covers the entire duration of my trip and is priced to cover air-fare and any other pre-paid expenses but not the cruise, and has good medical and emergency evac coverage. Because the cruise isn't included (typically the most expensive part of the trip) the policy usually isn't all that expensive.
I was going to start a thread asking if people do this. After reading all these experiences it seemed like a logical thing to do. I wondered if people actually did it. I think this is the way I will go too.
lizabu is offline   Reply With Quote
Old 03-08-2013, 07:48 AM   #65
KingRichard
DIS Veteran
 
KingRichard's Avatar
 
Join Date: Oct 2010
Location: Michigan
Posts: 1,106

Did you pay with a CC? You may have some overlapping coverage and they may cover some expenses?
__________________


GRAND SLAM COMPLETE! Feb. 11 Dream, April 12 Wonder, Feb. 13 Fantasy, Feb. 14 Magic
KingRichard is offline   Reply With Quote
Old 03-08-2013, 08:50 AM   #66
favDisney
Earning My Ears
 
Join Date: Mar 2013
Posts: 6

Thank you for sharing your experience. I am confused with insurance policy and thought going with Disney would be the best. It was great that I read your post and will look into other insurance options for my upcoming trip.

Hope things will work out for you.
favDisney is offline   Reply With Quote
Old 03-08-2013, 09:07 AM   #67
TDC Nala
1937, what a year that was
Diet Coke on Ice or Else
I apparently don't do anything they want to stimulate
 
TDC Nala's Avatar
 
Join Date: Jun 2001
Location: Not far enough outside the Beltway
Posts: 58,878
DISboards Moderator

I personally have used the Disney insurance a couple of times and I never thought it was meant to cover anything but the cruise and anything else purchased or operated through DCL.

If you want hotel stays, flight changes (not booked through DCL) or other options covered, there are insurance policies you can purchase that will cover those. I understand some of the hotel expenses might have been covered had the daughter been admitted to the hospital, but she was not.

I wouldn't say "never buy DCL insurance," just know what it is you are buying. DCL insurance has a great out for anyone who wants to cancel the cruise, and only the cruise. Not for anything else, really.
__________________

Last edited by TDC Nala; 03-08-2013 at 09:14 AM.
TDC Nala is offline   Reply With Quote
Old 03-08-2013, 09:16 AM   #68
Brynnie
Mouseketeer
 
Brynnie's Avatar
 
Join Date: Mar 2002
Location: Massachusetts
Posts: 262

wow! I cannot believe this! I did not comment on the posts about you being stuck with your daughter while she was sick but I followed the whole thing and I cannot believe the outcome!! I remember reading that you DID contact the insurance company and they told you it was all set! I would fight this decision big time since it sounds like you were misinformed from the company. You may have made different decisions if you were better informed but I do recall you were so upset and desperate AND you were alone with her! That is so tough!

THANK YOU for trying to save/warn people from the same fate. I think it's nice that you took the time to post to warn people who might not be aware of these issues. DH and I ALWAYS buy our insurance from ***************** (we book with Travelex). We have never had to file a claim, but I know that we would be all set if anything went wrong....we cover the trip from the time we leave our house until we get home. I WOULD NOT know this information if it wasn't for people like you and these boards!

I wish you the best of luck with your battle and thank you again! I am just glad that your daughter ended up being ok....I don't even know you and I was worried about her!
__________________
-Angie

offsite 08/96 * All Star Sports 03/98, 04/00 * All Star Movies 05/01, 02/05 * Caribbean Beach 05/02 * Wyndham Palace Resort and Spa 01/03 * Royal Pacific Resort 05/03 * Hilton Downtown Disney 07/03 * Offsite 10/03 * DL- Crowne Plaza Garden Grove 12/03 * Coronado Springs 5/04 * Dolphin~WL 7/04 * AKL~Polynesian 07/05 * AKL~POR 01/06 * Swan 2/08 * Caribbean Beach 10/08 * DL- Embassy Suites South 01/09 * PBH 3/11* Swan 02/12* SSR/DCL DREAM 4 nt Bahamas May/12!!!!! * SSR/DCL DREAM 4 nt Bahamas Sept/12 * DCL Wonder 5 nt Western Caribbean out of Miami! 1/13
Brynnie is offline   Reply With Quote
Old 03-08-2013, 10:09 AM   #69
su_A_ve
DIS Veteran
 
su_A_ve's Avatar
 
Join Date: May 2008
Posts: 3,967

Quote:
Originally Posted by MikeAndNick View Post
This is one more reason to use a good Travel Agent. The first time I booked a Disney Cruise my Travel Agent explained all of this to me and booked travel insurance outside of Disney. You can book a cruise without a TA but do you know the problems you could have and have someone to call when you have trouble? My TA even helped me file a claim when I needed to collect on the Insurance for a sick child.
The TA is making a commission from selling you another insurance company. That's why they will 'recommend' another product. The TA will never recommend something they are not making a commission, unless you personally own the TA.

And lately, TAs are not even getting into the game as they are the first ones being targeted if the insurance company refuses to pay.

A TA will treat you better if you are booking concierge in a 7n sailing on Xmas, vs a 3n in September. Unless you've sailed first on a 7n and then book a 3n - since you are potential big spender, they'll treat you good. It's all in the numbers.

My .02...
__________________
'77, '84, '94, '00 (SWW) - Off site
'01 (BC), '03 (ASMu), '05 (BC), '06 (YC), '08 (YC), '08 (CSR Xmas),
'09 (CSR), '10 (BC), '10 (CSR Xmas), '11 (BC), '11 (CSR), '12 (5n Dream DD),
'13 (5n Wonder), '13 (POR Xmas), '13 (3n Magic Post Xmas), '14 (CSR SWW)

°(((=((===°°°(((===========================================
su_A_ve is offline   Reply With Quote
Old 03-08-2013, 10:41 AM   #70
mgpan
Mouseketeer
 
mgpan's Avatar
 
Join Date: Dec 2003
Location: Montgomery, AL
Posts: 150

Exactly, we have a winner!

Quote:
Originally Posted by jlwhitney View Post
It costs more through Disney because they are a middle man..there wouldnt be a need for them to sell it if they don't make a profit. So they charge more to make a profit. SImple business 101
That's why it's usually not a good deal to buy the insurance through a cruiseline, and many times not through a travel agency when they offer it. There are exceptions to this of course, but it's the same reason you can book most excursions on your own for less, the cruiseline isn't taking a cut for the sale. Go to Insuremytrip or another site and compare apples to apples before purchasing.
__________________
15 Trips to "The World" Since 1980.
mgpan is offline   Reply With Quote
Old 03-08-2013, 11:00 AM   #71
sayhello
Have Camera, Will Travel
 
sayhello's Avatar
 
Join Date: Oct 2006
Posts: 10,195
DISboards Moderator

Quote:
Originally Posted by Lollipop's Mom View Post
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 $$$
Thanks for sharing your unfortunate experience. I really hope people pay attention. I try to always encourage folks to READ THE POLICY. Policies vary so much as to what they do & don't cover, even within the same company. I'm sorry you had to learn this the hard way.

Quote:
Originally Posted by Bonniec View Post
Agreed. The title of this thread makes it sound like they are ripping people off and that's not the case. It really should be a warning about being careful and making sure you know what you are buying. There are many negatives to insurance through DCL, but there are positives too. I went with them because I know that if we cant make our cruise and insurance declines, we will get a credit. For my needs, that was most important.

I'm sorry about your vacation though. I followed your other thread and it's very sad that everything had to suck so much. I've been planning my trip for years. I think I would lose my mind.
Amen to this. It seems obvious, but a lot of us make assumptions. It's usually after we've been burned that we learn.

Quote:
Originally Posted by MDennis28 View Post
So, what is the best insurance to buy? I want something that covers it all, door to door if my MIL (heaven forbid) dies 2 days before we leave? Or I have a medical emergency and need to be air-lifted off the ship in Alaska (yup, nearly happened to me)?
Call www.***************** or www.tripinsurancestore.com and describe your exact situation to them, and what you want covered, and they will help you select a policy that meets your needs.

Quote:
Originally Posted by mbrocker View Post
I've gone back through now on ***************** to see if there are any policies that would have covered you in your situation.

There are some. But mostly, they are up to a set amount per day depending on the plan level (125-200) and I've seen none that give more than 5 days.

Granted, even THAT would've been better than a big fat nothing.

Folks, this is a great lesson. People worry more about passports (another subject entirely) .. but you need to GET TRAVEL INSURANCE and READ YOUR POLICY.

The OP has unfortunately learned an expensive lesson. Thank goodness it didn't require evacuation or emergency treatment while actually ON the cruise. That can be so expensive it can financially devastate a family.

So sorry this has happened to you.
I totally agree with this!

Quote:
Originally Posted by Bear3412 View Post
Yeah, I too may have it wrong after all this deep thought.
But that's an interesting thought, to checkin.
Wait. Then it would have been a PEC and not covered

I do know only her cruise was covered.

But after reading some of these policies, It make you wonder what is covered.
No, actually a PEC only refers to a condition you have before *buying the policy* not before going on your cruise. The flu is rarely a PEC.

Quote:
Originally Posted by Bear3412 View Post
Here is the line in the policy I want to purchase that disturbs me.

The following exclusions apply to Trip Cancellation and Trip Interruption:
Benefits will not be provided for any loss resulting (in whole or in part) from:
(a) travel arrangements canceled by an airline, cruise line, or tour operator, except as provided elsewhere in the plan;

from;http://www.*****************/certific...ZBgNZndR&rev=5
Unfortunately, that is a *very* common clause in trip insurance. They expect the airline or the cruise line, etc, to make good for your loss if they're the ones that cancel. Otherwise, a tour operator would feel free to cancel a cruise any time for any reason, because they'd suffer no financial loss if the insurance took care of it.

Quote:
Originally Posted by KingRichard View Post
Did you pay with a CC? You may have some overlapping coverage and they may cover some expenses?
Most CC's (not all) only cover stuff like lost luggage and Death and Dismemberment. They don't usually cover missed trips, trip interruption, etc. Definitely check with your CC, but don't expect much.

Sayhello
__________________
Check out my Southwest Splendors Trip Report! (2008). 5 parts, full of pics & details & impressions!
My Taming the Last Frontier ABD Alaska Trip Report! (2009)! 7 parts, pictures, stories, & more impressions!
Also check out my ABD/DCL Mediterranean Magic Trip Report! (2010)
NOW POSTING! My DIS Unplugged London/Paris/Disneyland Paris Trip Report! (2011)
Now posting my Greek Odyssey Trip Report (2013)
sayhello is online now   Reply With Quote
Old 03-08-2013, 11:00 AM   #72
Octoberbride03
I think Tweetie done gone Cuckoo
Been there, done that, married the man!
 
Octoberbride03's Avatar
 
Join Date: Apr 2003
Location: Chesapeake, VA
Posts: 7,814

Quote:
Originally Posted by danfromca View Post
There's one thing that is essential to remember about DCL insurance that hasn't been mentioned here yet - and is the reason I always get DCL insurance.

That is - if your insurance claim is denied, DCL will apply all non-refundable money towards a future cruise.

In other words, if the day before a cruise, you just decide not to go - you can file a claim, have it denied, and get a full credit towards a future cruise. It's essentially "cancel for any reason" insurance.

What I routinely do is get the DCL policy, and then get a second policy that covers the entire duration of my trip and is priced to cover air-fare and any other pre-paid expenses but not the cruise, and has good medical and emergency evac coverage. Because the cruise isn't included (typically the most expensive part of the trip) the policy usually isn't all that expensive.
To me that's like paying twice for the same product. I never buy DCL insurance. I shop around and find a policy that covers everything and get that 1. It doesn't usually run me too much and policy prices are based on ages of insured. But I'm not going to buy 2 different policies. Just 1 for the whole shot. They are out there. Last time I used squaremouth.com I think to buy mine.
__________________
Maureen&Richard
Octoberbride03 is offline   Reply With Quote
Old 03-08-2013, 11:22 AM   #73
Lollipop's Mom
Special trip with your little one ~~ PRICELESS!
 
Lollipop's Mom's Avatar
 
Join Date: Feb 2004
Posts: 4,025

I did figure this could start a heated discussion but felt people needed to know.

We have rebooked for that amazing VGT rate on April 27th. DD doesn't know - she is not going to know until there is a wakeup call at the hotel before going to the airport - I plan big events for a living, and have a whole 'fake event' going on that weekend that we will be at a hotel for the night before - she will have no clue Her birthday is May 2nd, so she will be on the cruise for it. Her teachers are on board (no pun intended) and she is cleared from school, her boyfriend is changing her birthday get together to the following week without her knowing - I can't wait to surprise her.

The reason I thought hotel/food was covered is because in the past when I have traveled (non cruise), and I have had insurance I have had trip delays getting home with weather and put through the hotel and food receipts into insurance, and gotten my money back.
When I called Allianz to alert them in the 72 hour period I told them she was too ill to travel, but not hospitalized, but also with a super flu like this, being out and about around other people would be a really poor decision anyway, and there is no airline that would let her on a plane the way she was - not to mention she could barely sit up for a while - she laid there like a dishrag. I was told not to worry that I had 100-150 per person, per day, we were delayed/interuppted.
I do plan on fighting them about it, but I imagine their legal team would outwin me any day of the week anyway, and I am certainly not going to hire a lawyer for a $2000 expense.
It sucks, but in the big picture its $2000, and I have to look at it as a lovely bonding week in a princess room at riverside and getting some sunshine and not being at home in the rain. You just have to make lemonade on this one. Before I know it, she will be finishing high school and off on her own doing her own thing - and at least I can say I spent a solid week with her - not the ideal week - but a week uninterrupted with cell phones, emails, work calls, etc...
__________________



Sept 2015 - Disney Wonder Hawaii
Sept 2014 - Caribbean Beach Resort
Dec 2013 - Disneyland
May 2013 -Disney Fantasy Western Caribbean
March 2013 -AKL Jambo Studio & AKL Jambo Concierge, & POR Princess Room
March 2012 -Disney Wonder Mexico
March 2012 - Disneyland
May 2011 - Disney Wonder Alaska
Apr 2010 - Disneyland
Jan 2010 -Disneyland
Jan 2009 - Disney Magic Western Caribbean
Jan 2009 - POFQ
Jan 2008 - POP
April 2007 - Disneyland
Sept 2000 - Disneyland
Jan 2000 -BWV Studio
Sept 1994 - All Star Sports
April 1977 -Contemporary



Lollipop's Mom is offline   Reply With Quote
Old 03-08-2013, 11:43 AM   #74
lizabu
DIS Veteran
 
lizabu's Avatar
 
Join Date: Jan 2011
Posts: 4,572

Quote:
Originally Posted by Lollipop's Mom
I did figure this could start a heated discussion but felt people needed to know.

We have rebooked for that amazing VGT rate on April 27th. DD doesn't know - she is not going to know until there is a wakeup call at the hotel before going to the airport - I plan big events for a living, and have a whole 'fake event' going on that weekend that we will be at a hotel for the night before - she will have no clue Her birthday is May 2nd, so she will be on the cruise for it. Her teachers are on board (no pun intended) and she is cleared from school, her boyfriend is changing her birthday get together to the following week without her knowing - I can't wait to surprise her.

The reason I thought hotel/food was covered is because in the past when I have traveled (non cruise), and I have had insurance I have had trip delays getting home with weather and put through the hotel and food receipts into insurance, and gotten my money back.
When I called Allianz to alert them in the 72 hour period I told them she was too ill to travel, but not hospitalized, but also with a super flu like this, being out and about around other people would be a really poor decision anyway, and there is no airline that would let her on a plane the way she was - not to mention she could barely sit up for a while - she laid there like a dishrag. I was told not to worry that I had 100-150 per person, per day, we were delayed/interuppted.
I do plan on fighting them about it, but I imagine their legal team would outwin me any day of the week anyway, and I am certainly not going to hire a lawyer for a $2000 expense.
It sucks, but in the big picture its $2000, and I have to look at it as a lovely bonding week in a princess room at riverside and getting some sunshine and not being at home in the rain. You just have to make lemonade on this one. Before I know it, she will be finishing high school and off on her own doing her own thing - and at least I can say I spent a solid week with her - not the ideal week - but a week uninterrupted with cell phones, emails, work calls, etc...
I work in Customer Service for a hotel chain and we record most phone calls. If one of our agents for example misquote a room rate and a guest complains they go back and listen to the call. If one of our agents really did give the wrong rate we honour what was quoted. I would think this would work the same way. If their agent told you that you were covered for $150 per day the company would have to be responsible for what their representative told you.

I hope it all works out and hopefully they recorded the call and still have it.
lizabu is offline   Reply With Quote
Old 03-08-2013, 03:31 PM   #75
sabrecmc
DIS Veteran
 
Join Date: Mar 2009
Posts: 1,548

Quote:
I wouldn't say "never buy DCL insurance," just know what it is you are buying. DCL insurance has a great out for anyone who wants to cancel the cruise, and only the cruise. Not for anything else, really.
Exactly! We are FL residents not too far from the port, so don't need coverage for flights, hotels, car rental, etc. Just the cruise. For which, DCL cruise insurance is perfect b/c it is cancel for any reason, which is better than most other options. So, it really just depends on what you are looking for. If you are wanting door-to-door full coverage, then it probably isn't right for you.

I do agree with the other poster that this is one good thing about a TA, to really explain the options and help you figure out what works best for YOU.
sabrecmc is offline   Reply With Quote
Reply



Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

facebooktwitterpinterestgoogle plusyoutubeDIS Updates
GET OUR DIS UPDATES DELIVERED BY EMAIL



All times are GMT -5. The time now is 02:15 PM.

Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

Copyright © 1997-2014, Werner Technologies, LLC. All Rights Reserved.