I know. Insurance

[Billyg]

We just found out that my wife is expecting our first child. I was trying to interpret the disney policy, but does it cover if any complications arise while we are on our cruise?

 

[PrincessShmoo]

We just found out that my wife is expecting our first child. I was trying to interpret the disney policy, but does it cover if any complications arise while we are on our cruise?

I would think, if the Disney policy covers any medical issues, they wouldn't be that good. We typically purchase 3rd party insurance as you can get better coverage for a lower price that way. Most policies are secondary coverage for medical (requiring you to pay up front for services and then you submit to your personal coverage once home to see if they cover any thing before submitting to the travel insurance for whatever they would cover.

Not sure what sort of "complications" you're addressing.

I looked up the Disney policy and it states:

• Accident/Sickness Medical Up to $10,000 to cover medical treatment, hospitalization, and more if you become sick or injured on your cruise vacation.
• Emergency Medical Evacuation/Repatriation Up to $30,000 to cover emergency medical transport.

In my opinion that's not a lot of coverage for medical purposes (evacuation can be upwards of $50,000 easily). But it doesn't specify what specific treatments are covered, I take that to mean that any medical procedures would be covered up to that amount.

 

[lanejudy]

I don't know about DCL insurance specifically... but I suggest you look for 3rd party coverage that specifically includes pregnancy-related medical, as I believe some travel insurance policies will specifically exclude it. Regardless of whether it's covered, please be aware that the medical facility onboard the ship is not particularly designed or equipped to handle pregnancy-related complications. DCL restricts travel after a woman has entered the 24th week for that very reason. If you have concerns that she is high-risk, I would simply postpone the cruise until after baby arrives.

Best wishes to you and your wife with the little one, and enjoy your cruise!

 

[Bree]

Not sure what type of complications you think may happen, but when is she due and when is your cruise?

This is in the terms and conditions of your cruise contract:

Women who have entered their 24th week of pregnancy as of their embarkation date or who will enter their 24th week of pregnancy during the cruise will be refused passage due to safety concerns. Neither a physician's medical statement nor a waiver of liability will be accepted. In addition, Disney Cruise Line cannot be held responsible or liable for any complications relating to pregnancy at any stage.

https://disneycruise.disney.go.com/contracts-terms-safety/terms-conditions/united-states/

ETA: Also if you are cruising the Caribbean I would be concerned about the Zika virus.

 

[sayhello]

Generally, it depends on when your wife got pregnant in relationship to when you bought the insurance (which I *believe* doesn't happen until you're PIF). I'd contact DCL and get a copy of the policy, and find out who it's underwritten by, and call them and find out specifically for your situation and the policy DCL buys. There are really a lot of variables involved as to whether it would be covered or not.

Sayhello

 

[PrincessShmoo]

Generally, it depends on when your wife got pregnant in relationship to when you bought the insurance (which I *believe* doesn't happen until you're PIF). I'd contact DCL and get a copy of the policy, and find out who it's underwritten by, and call them and find out specifically for your situation and the policy DCL buys. There are really a lot of variables involved as to whether it would be covered or not.

Sayhello

You can get a copy of the policy directly on the DCL website:
https://disneycruise.disney.go.com/...ction-plan/?int_cmp=INS-intDCLtoDCL-Insurance has a link to the policy.

Here's the link to the policy:
https://wdpromedia.disney.go.com/me...and-conditions/DisneyCruiseLine_75-4-2016.pdf

 

[sayhello]

You can get a copy of the policy directly on the DCL website:
https://disneycruise.disney.go.com/...ction-plan/?int_cmp=INS-intDCLtoDCL-Insurance has a link to the policy.

Here's the link to the policy:
https://wdpromedia.disney.go.com/me...and-conditions/DisneyCruiseLine_75-4-2016.pdf

So according to the policy, this is the only reference I see to pregnancy:

In Parts A & B:
We will not pay for any loss under the Policy, caused by or incurred resulting from:
4. normal pregnancy, except if hospitalized;

So she's not covered for complications unless she's hospitalized for them.

Parts A & B cover trip cancellation & medical claims:

Part A. Travel Arrangement Protection
Trip Cancellation...............Total Trip Cost ($10,000 Maximum)
Trip Interruption.................Total Trip Cost ($10,000 Maximum)
Trip Delay...........................................$500, up to $150/day
Part B. Medical Protection
Emergency Evacuation/Repatriation...........................$30,000
Accident/Sickness Medical Expense...........................$10,000

The policy is underwritten by:

Transamerica Casualty Insurance Company
Policy Number: MZ0911124H0000A

I'd still check with the company, since this coverage is also subject to the Pre-existing Condition Exclusion (DCL doesn't do a waiver that I'm aware of).

Please note: Benefits under Parts A and B (except Emergency Evacuation and Repatriation) are subject to the
Pre-Existing Condition Exclusion detailed below and other exclusions listed on Pages 10-11.
Pre-Existing Condition means an illness, disease, or other condition during the 60-day period immediately
prior to your effective date for which you or your Traveling Companion or Immediate Family Member who is
scheduled or booked to travel with you:
1. received or received a recommendation for a diagnostic test, examination, or medical treatment; or
2. took or received a prescription for drugs or medicine.
Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking
of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the
required prescription throughout the 60-day period before coverage is effective under this Policy

"If you have any questions concerning this exclusion, please call Aon Affinity at 1-877-217-0580 for further clarification"

Apparently Aon Affinity is the insurance company to contact with questions:

Phone: 1-(877) 217-0580 or 1-(516) 342-2720
Mail: Aon Affinity
300 Jericho Quadrangle
PO Box 9022
Jericho, NY 11753
Office Hours:
8:00 AM – 10:00 PM ET, Monday – Friday;
9:00 AM – 5:00 PM ET, Saturday

Sayhello

 

[Billyg]

So according to the policy, this is the only reference I see to pregnancy:

So she's not covered for complications unless she's hospitalized for them.

Parts A & B cover trip cancellation & medical claims:

The policy is underwritten by:

Transamerica Casualty Insurance Company
Policy Number: MZ0911124H0000A

I'd still check with the company, since this coverage is also subject to the Pre-existing Condition Exclusion (DCL doesn't do a waiver that I'm aware of).

"If you have any questions concerning this exclusion, please call Aon Affinity at 1-877-217-0580 for further clarification"

Apparently Aon Affinity is the insurance company to contact with questions:

Sayhello

Thank you.

 

[hmsTigger]

I would think, if the Disney policy covers any medical issues, they wouldn't be that good. We typically purchase 3rd party insurance as you can get better coverage for a lower price that way. Most policies are secondary coverage for medical (requiring you to pay up front for services and then you submit to your personal coverage once home to see if they cover any thing before submitting to the travel insurance for whatever they would cover.

Not sure what sort of "complications" you're addressing.

I looked up the Disney policy and it states:

• Accident/Sickness Medical Up to $10,000 to cover medical treatment, hospitalization, and more if you become sick or injured on your cruise vacation.
• Emergency Medical Evacuation/Repatriation Up to $30,000 to cover emergency medical transport.

In my opinion that's not a lot of coverage for medical purposes (evacuation can be upwards of $50,000 easily). But it doesn't specify what specific treatments are covered, I take that to mean that any medical procedures would be covered up to that amount.

Which 3rd party Insurance would you recommend?

 

[auntlynne]

Which 3rd party Insurance would you recommend?

Go to Insuremytrip to find what works for you.

There are many longstanding firms: Allianz, TravelGuard, AIG, GeoBlue for medical.

Make sure you get evacuation and medical coverage - those are costly items no one expects.

 

[hmsTigger]

Thank you for your help!

 

[cvjw]

We were on a cruise on the fantasy last year when a woman went into premature labor. The medical center wasn’t equipped to help her, so we dropped her off on grand Turk island. I would not want to be in early labor and dropped off on a random Caribbean island. Insurance might pay the bills, but I would want to be in my local hospital with my own doctor for a medical emergency.

 

[Flcruising]

You might find the CDC travel information for pregnancy helpful. They talk about insurance and offer other ideas many people never think about.

https://wwwnc.cdc.gov/travel/page/p...e airlines will let you,you are fit to travel.

 

[hmsTigger]

Thanks for the good information
Also checking my cc which covers loss of luggage and flight reimbursement thru voucher