DCL travel insurance?

[JJZMgailey]

We published a DCL Show earlier this week about this very thing!

 

[SL6827]

We published a DCL Show earlier this week about this very thing!

Thanks!!!!

 

[lanejudy]

This- a good bit of the cruise has been paid in Disney gift cards. Would I be better off with Disney insurance since I used gift cards? Would I get more resistance in another company paying out with me, since I used gifts cards for the cruise?

If you have paid/will pay in gift cards it is always best to specifically ask before buying insurance. It seems some can be challenging to get reimbursed if you don’t have the receipts from purchasing the gift cards.

And be aware that any reimbursement from DCL will go back to the gift cards so don’t throw them away!

 

[SL6827]

If you have paid/will pay in gift cards it is always best to specifically ask before buying insurance. It seems some can be challenging to get reimbursed if you don’t have the receipts from purchasing the gift cards.

And be aware that any reimbursement from DCL will go back to the gift cards so don’t throw them away!

Right. I know to keep hold of the gift cards and place no more than $1,000 on each.

 

[SL6827]

Elaine mentioned on the recent Disney Cruise Line Show that with DCL insurance, you need to add it before 80% of the cruise is paid off. I didn't know that. I think I have that correct, right? If not, please correct me.

 

[Girl of the South]

FROM AARP:

Medicare doesn’t pay for medical services outside the United States or its territories, except in very limited circumstances, including if:

• You experience a medical emergency while traveling between Alaska and another state and a Canadian hospital is closest to your location.
• You face a medical emergency while you’re in the United States or one of its territories, but the nearest hospital is across the border, for example in Canada or Mexico.
• You live in the United States or one of its territories and need hospital care, regardless of whether it’s an emergency, but the nearest hospital is in a foreign country.
• You need medical attention and you’re on a ship within six hours of a U.S. port.

Medicare covers all 50 states and the District of Columbia as well as U.S. territories American Samoa, Guam, the Northern Mariana Islands, Puerto Rico and the U.S. Virgin Islands.

 

[Steelers0854]

I take travel insurance very seriously, especially on a cruise. I would NEVER get the cruise line policy (or rely on a credit card for that matter) as their coverages are woefully inadequate. I don’t even look at policies that have less than $500,000 in medical evacuation coverage and $100,000 in medical but ideally closer to $250,000. People dont realize how insanely expensive it can be and, as well as how important it is to have a high limit credit card. My brother was on a recent cruise with his family and in-laws. His mother in law fell ill while onboard and required treatment onboard and was in the medical facility for 2 days. Before they left the ship they were asked to pay the bill, $47,000. It still took a month or so for the insurance to reimburse him and many dont plan for that part of process, almost all insurances are secondary, which means you have to pay everything up front and get reimbursed, which is very different than what we are used to int he US. If he was on a DCL cruise, with DCL insurance he would have been on the hook for $27,000 as the DCL medical coverage is only $20,000. Im not risking bankruptcy over paying and extra $400. I hope I never need it, but I bake this cost into my vacation and I will never travel without it. If you travel more than once a year then an annual policy is also a great, very affordable option as well.