Okay -- hit me now -- both Benita & I work in the insurance field 
But we have never bothered with the policies. We have gone to WDW every year since 1999 -- and cruised 3 other times. First two times in Sept. were fine - '01 & '03. In '04 we got hit by Francise -- and ended up staying at POFQ for 4 extra nites. Of those four nites -- DCL picked up the tab for the last nite. POFQ was nice enough to charge us the Fl Evacuee rate of $ 80. a nite. So we were out $240 plus our food (heh - the food court was closed for 24 hours so we saved money there). And DCL did comp us park passes for that Monday as well as the room ... with the shipboard credit, refund & voucher - so I don't think I lost on that deal.
I checked with insuremytrip.com -- and due to various medical issues -- pre-existing wouldn't be covered, but new conditions would be.
I called my health plan today - Oxford - Freedom Plan and had a nice conversation with them on the phone (plus the rep. told me to have fun on the trip). Turns out they will cover visits to the medical center on the ship with a $ 50.00 co-pay (like an ER room visit when you are not admitted). You just file a claim when you get in. Then I questioned them on Medical Evac... they put me on hold - for a couple of minutes - then let me know that it is covered too! But I would have to pay first and get reimbursed.
I am going to go onto insuremytrip and get a quote for just MedEvac -- since I'm not sure what would happen if I told DCL I don't have a spare $ 25,000 to be flown out -- would they take my insurance and wait for payment - or would I have to stay in their medical center.
Sheesh --- Pixie Dust to all - so we will be healty this trip!
But we have never bothered with the policies. We have gone to WDW every year since 1999 -- and cruised 3 other times. First two times in Sept. were fine - '01 & '03. In '04 we got hit by Francise -- and ended up staying at POFQ for 4 extra nites. Of those four nites -- DCL picked up the tab for the last nite. POFQ was nice enough to charge us the Fl Evacuee rate of $ 80. a nite. So we were out $240 plus our food (heh - the food court was closed for 24 hours so we saved money there). And DCL did comp us park passes for that Monday as well as the room ... with the shipboard credit, refund & voucher - so I don't think I lost on that deal.
I checked with insuremytrip.com -- and due to various medical issues -- pre-existing wouldn't be covered, but new conditions would be.
I called my health plan today - Oxford - Freedom Plan and had a nice conversation with them on the phone (plus the rep. told me to have fun on the trip). Turns out they will cover visits to the medical center on the ship with a $ 50.00 co-pay (like an ER room visit when you are not admitted). You just file a claim when you get in. Then I questioned them on Medical Evac... they put me on hold - for a couple of minutes - then let me know that it is covered too! But I would have to pay first and get reimbursed.
I am going to go onto insuremytrip and get a quote for just MedEvac -- since I'm not sure what would happen if I told DCL I don't have a spare $ 25,000 to be flown out -- would they take my insurance and wait for payment - or would I have to stay in their medical center.
Sheesh --- Pixie Dust to all - so we will be healty this trip!
Watch it buster or I'll put you on my list! And I do have one. I have two actually - one for people on my good side and one for people that get on my bad side. 
Guess which one you'd be on...
:thewave:
Exactly! 
Well - in just a couple of days we have 37 people who have indicated that want to go to the last show of the night at 10:30 - via a bus .
