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Old 02-11-2011, 06:59 PM   #61
lbgraves
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Originally Posted by cheesekate2005 View Post
What happens if someone has like the flu or strep or something and is denied boarding at the port? I booked insurance through DCL (cruise in one week) and I am now worried that one of us will come down with a last minute illness (a bit paranoid, huh?)
That wouldn't be considered PEC. I know people have said they needed to have documentation from the doctor regarding being turned away at the terminal and have had problems because they didn't have the right stuff. You could call them [access america] and find out specifically what you would need if that were to happen.
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Old 02-11-2011, 07:09 PM   #62
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That wouldn't be considered PEC. I know people have said they needed to have documentation from the doctor regarding being turned away at the terminal and have had problems because they didn't have the right stuff. You could call them [access america] and find out specifically what you would need if that were to happen.
It is Access America that runs the DCL insurance? I suppose I should know this - shame on me.
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Old 02-11-2011, 07:19 PM   #63
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All I can say is the DCL insurance works well. My mom was coming on the Wonders PC cruise with us. She had tge insurance. Well my Dad, who was not going to go because he has turned into a hermit, got really sick and was in the Hospital till right after Christmas. My mom had to cancel cause she could not leave him home for two weeks. DCL is holding on to 50% of what she paid to be used on a cruise in the future (My mom opted for this instead of a refund) and Access America cut her a check for the other 50%.
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Old 02-11-2011, 07:22 PM   #64
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It is Access America that runs the DCL insurance? I suppose I should know this - shame on me.
Yes it is.
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Old 02-11-2011, 07:35 PM   #65
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Thank you!
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Old 02-11-2011, 08:22 PM   #66
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For those of you who book "dummy dates" while on a DCL cruise with the intention of changing to a different date - your first trip payment starts the clock running for purposes of covering pre-existing conditions.
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Well, I just got off the phone w/USAA's company (ARCH). Very disappointing. Even though I made this new booking and paid for it all at once on Monday, I am NOT eligible for the pre-existing condition waiver. This is because we originally had booked a cruise in December on the Dream. And I had a deposit on that cruise, and the cruise line rolled the credit from my deposit on to the new booking. So according to ARCH, my 14 day "clock" starts ticking from when I originally put the deposit on that other cruise, even though that booking was for a different destination and a different date and was cancelled.

So I'm also guessing that we couldn't get the pre existing condition waiver if we had phantom booked a cruise when we were on our last cruise (which we didn't do). How is everyone getting around this type of thing? The DCL insurance is looking better now if we can't get the pre-existing condition covered. At least that way we'd be able to book another cruise if something happens.

Also, what happens if you have already paid for shore excursions when you use DCL's insurance? I'm guessing if they didn't include it in the original quote then your out of luck??
Because you rolled over the deposit from one cruise to another, that's why the date you paid the first deposit was the important one. The way around that is to either buy the insurance within 10-21 days after booking the first cruise, OR buy insurance from one of the companies (HTH and CSA) that has a waiver of pre-existing conditions as long as the insurance is purchased within 24 hours of making the final payment.
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Old 02-11-2011, 08:27 PM   #67
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We have purchased the DCL insurance, we are happy with that choice.
There's always going to be better deals in life but sometimes convenience outweighs the deals.
As we live in Australia, it's far easier for us to just go with DCL, no fuss and it's all complete with the booking.
I just can't wait for the cruise now!
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Old 02-11-2011, 09:02 PM   #68
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We have purchased the DCL insurance, we are happy with that choice.
There's always going to be better deals in life but sometimes convenience outweighs the deals.
As we live in Australia, it's far easier for us to just go with DCL, no fuss and it's all complete with the booking.
I just can't wait for the cruise now!
The problem comes with pre-existing conditions, which is a much bigger issue in the US. If you do not have pre-existing conditions coverage, and, say, your high blood pressure leads to a heart attack, DCL insurance will not pay for any of your expenses, including potentially tens of thousands of dollars for evacuation expenses. It isn't convenient if they don't pay.

For almost any forseeable reason my family would have a serious financial issue, DCL will not pay. For all intents and purposes, it isn't insurance for my family at all.
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Old 02-11-2011, 09:40 PM   #69
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Ok, so we booked our cruise 7 days ago, we live locally and are going on the Mexican Riviera Cruise (total of about $1,800). My question is does trip insurance make sense?

In all honesty, I have never bought trip insurance for any trip I have ever been on, but this is only our second cruise, our last one was the two night cruise to nowhere.
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Old 02-11-2011, 09:45 PM   #70
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Ok, so we booked our cruise 7 days ago, we live locally and are going on the Mexican Riviera Cruise (total of about $1,800). My question is does trip insurance make sense?

In all honesty, I have never bought trip insurance for any trip I have ever been on, but this is only our second cruise, our last one was the two night cruise to nowhere.
I would recommend it. Even if you were okay with losing your money on the cruise if something went wrong, if somebody got sick on the cruise, or injured, you wouldn't want to deal with the huge out-of-pocket medical bills or evacuation costs.
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Old 02-11-2011, 09:47 PM   #71
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The problem comes with pre-existing conditions, which is a much bigger issue in the US. If you do not have pre-existing conditions coverage, and, say, your high blood pressure leads to a heart attack, DCL insurance will not pay for any of your expenses, including potentially tens of thousands of dollars for evacuation expenses. It isn't convenient if they don't pay.

For almost any forseeable reason my family would have a serious financial issue, DCL will not pay. For all intents and purposes, it isn't insurance for my family at all.
Yes that's fair enough but for us we have no illness and no pre-exsisting conditions, so it works for our family.
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Old 02-11-2011, 09:50 PM   #72
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We do get insurance, as I've stated, but I did talk with our medical insurance people, and they do cover evacuation because of illness. They even sent us the info..so since insurance first makes you use your private insurance, that wouldn't be a concern.
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Old 02-11-2011, 09:54 PM   #73
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Yes that's fair enough but for us we have no illness and no pre-exsisting conditions, so it works for our family.
It's true--if you are all healthy, and don't get any illnesses between your cruise book date and your PIF date, Disney's insurance will work just fine.
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Old 02-11-2011, 10:02 PM   #74
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We do get insurance, as I've stated, but I did talk with our medical insurance people, and they do cover evacuation because of illness. They even sent us the info..so since insurance first makes you use your private insurance, that wouldn't be a concern.

That is also very true. If you have very good personal medical insurance, that takes care of that problem. However, not everyone's insurance will do that, and oftentimes (thought not always) there is a "reasonable and customary" condition that may still give you a large bill at the end of the problem, so I would definitely check before purchasing your insurance.

That's a very good point, though-you definitely want to know what your exposure will or will not be with regards to your health insurance, before you make a decision on travel insurance.
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Old 02-11-2011, 10:30 PM   #75
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Also, what happens if you have already paid for shore excursions when you use DCL's insurance? I'm guessing if they didn't include it in the original quote then your out of luck??
I'm pretty sure that you don't actually pay for the excursions until you are on board. I'm not sure what would happen in regards to your excursions if you get sick while actually on the cruise...

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Originally Posted by cheesekate2005 View Post
What happens if someone has like the flu or strep or something and is denied boarding at the port? I booked insurance through DCL (cruise in one week) and I am now worried that one of us will come down with a last minute illness (a bit paranoid, huh?)
That's one of the things you buy the insurance for. Flu or strep is (usually) not a chronic thing, so would not usually be considered a pre-existing condition.

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We do get insurance, as I've stated, but I did talk with our medical insurance people, and they do cover evacuation because of illness. They even sent us the info..so since insurance first makes you use your private insurance, that wouldn't be a concern.
Not all trip insurance makes you use your private insurance first. I used Travelex when I went to Alaska, and when I injured myself & was taken to the ER, the insurance dealt directly with the ER billing folks, and I never even saw a bill. Check the policy. If they list themselves as "primary" for medical expenses, then they pay first. ***************** lists whether a policy is primary or secondary.

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