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)?
Also, I bought directly though Allianz and it covers our flights/hotel/transfers...everything and it was a fraction of the price DCL charges. I really have never understood why their costs are so much higher if they cover less. I think that is confusing because to many of us in our society the higher priced product feels safer. Like it must cover more because it costs more. Silly how that isn't true.
Yes nancy that is what I said. I know it's my own fault and I'm simply warning others. I THOUGHT I had door to door coverage. Simple as that. Others might think they do too, so simply a warning.
You clearly did not read my entire post.
I've always wondered about trip insurance. Generally we're traveling on points so I can't really put a $ amount on that.
Is this also true if you don't get the insurance though? I thought they also let you do that if you can't make it. You don't get your money back but they will apply it to a new cruise. I could totally have that wrong.
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)?
Yes nancy that is what I said. I know it's my own fault and I'm simply warning others. I THOUGHT I had door to door coverage. Simple as that. Others might think they do too, so simply a warning.
You clearly did not read my entire post.
..... You want the pre-existing condition clause (which Disney does NOT have, which is why they cannot sell in WA where it is required (and that might be why Costco's insurance has the PEC, because they are based in WA))......
I know you are frustrated, but you bought insurance for your cruise, not for you pre-cruise stay or travel. The premium for your insurance is based on the price of your trip, and for them your price was the cruise.
Some people book everything through Disney, and basically have door to door coverage because the cost of the entire trip is used in figuring out the premium for the insurance. Say a family decided to go to WDW for a week before the cruise and had airfare and a suite at the Contemporary and got sick before they even left home. Would it be fair for the insurance company to cover those costs when another family booked the same cabin on the cruise, paid the same insurance premium (for the cruise only), but lived in Florida so only cancelled the actual cruise?
If you had booked insurance through another insurer, and you wanted the coverage from door to door, they would have based the premium on the entire cost of your vacation, not just on the cruise portion. You can buy trip insurance just from the airline for just the airfare, or you can book hotels with a cancellation policy you like (may have to pay a little more for the 'insurance' to be able to cancel). You bought cruise insurance, and that's what you got. They are refunding the cost of your cruise, correct? You weren't yet checked in to the cruise when your daughter got sick, so you weren't yet covered by the cruise insurance. Just like with auto insurance or health insurance, there is an effective time when the policy begins. If you are in an accident on the way to buy insurance, you aren't going to have coverage.
Nancy
Yes nancy that is what I said. I know it's my own fault and I'm simply warning others. I THOUGHT I had door to door coverage. Simple as that. Others might think they do too, so simply a warning.
You clearly did not read my entire post.