Hi Born, you are sooooo right about cruisers with pre-existing medical problems should buy their insurance as soon as they put a deposit when they book a cruise.
Can you believe my old parents don't have any pre-existing medical problems that are serious? My dad is 95yrs.old and my mom is 85yrs.old. They haven't seen a doctor in two years. I don't have any serious pre-existing problems either.
I have met some cruisers who tell me they have some serious internal medical problems and they look really healthy when you look at them.
They have to buy insurance as soon as they book a cruise.
I had a Canadian friend who worked for a company that covered him totally 100% for medical when he traveled on cruise ships. He wouldn't buy cruise insurance but if for any reason he couldn't cruise he would lose his cruise money paid. But he is in top health and has never missed a cruise.
I know for a fact that there are some singles that just change their minds about cruising because something came up for them and they lose their money. Meanwhile.... their assigned roomie gets the cabin all to themselves. I have had two friends tell me they got lucky and got their own cabins because their roomie didn't cruise and they totally liked having their own cabin.
There was one gal whose plane got delayed so she missed meeting us at the port. But Delta who had cancelled her flight.... flew her to Puerto Vallarta and paid for an all-inclusive Hotel resort and she had a great time for three days. She didn't buy travel insurance so she couldn't get money for the three days she missed out on the cruise. But she told me she had a great time in Puerto Vallarta. She got lucky because there are times that airlines don't care and you have to find your own flights to get to the next port if you miss getting on the ship.
I always carry three credit cards in case I have an emergency where I have to pay for a last minute flight with a different air-line to arrive in time to cruise. Most INSURANCE COMPANIES don't pay until you give them your bills. So I have to be ready to pay out of my own pocket right away. I was told by my travel insurance company to always get a letter from the airline company stating why the plane was delayed and why the flight was cancelled because that is my proof that it really happened.
It is also best to buy travel insurance from a private company instead of the cruise ship insurance because if the cruise ship is at fault for not providing what you paid for and there is a problem..... the ship will most likely refund some of your money and also give you a bonus discount on your next cruise with them. You can also put in a claim with your travel insurance. You end up getting double benefits according to a travel agent I spoke with a few years ago.
Hey Born... have you heard of anybody getting benefits from a cruise line and plus insurance money if something goes wrong with the cruise?
I think it would be nice to buy travel insurance from the cruise lines because if you get ill for any reason you don't have to pay any money up front. But on the other hand I find their insurance can cost more than buying outside insurance.
I have heard some singles say on the cruise ship that they want to go see a doctor on a ship for some stupid reason. I tell them it will cost them $100. just for the visit. They say to me, "It's not freeeee.......
I also tell them "Don't say you are having a problem with your digestive system and pains in your stomach because the doctor can order you to stay in your cabin and you will not be allowed to leave the ship when we arrive in a port. I saw that really happen to some lady who complained of minor stomach problems. She was fine but they wouldn't let her off the ship.
If you become really ill with a stomach virus the ship will pay for your doctor visits. The reason being is that you most likely caught the virus on their ship. My advise is to please follow the doctors orders and stay in your cabin so you don't expose other people to your virus. You will get great room service because the doctor ordered you to stay in your cabin.
Plus... you most likely get insurance money for your cruise being ruined by the illness. I am thinking... I don't know for sure since I have never had that problem and I have never heard of any single getting ill with a stomach virus.
Do some of you know that if you get sea-sick that if you go to the ship's doctor they give you a shot of meds that clears up the problem right away. They say that within 15 minutes or 30 minutes you get okay.
This is another reason to have medical travel insurance.
In all the years I have cruised I have never had to visit the medical doctor because I try to be real careful not to get ill on the ship. I wash my hands all the time and I don't eat or drink in any port. But, I still play it safe and buy insurance.
One time my sister got really ill on a ship and I had bought her medical insurance. She doesn't believe in buying insurance but I do.... so I bought her medical insurance. She saw the ship's doctor and was ill for two days on the ship. She arrived home ill and had to have gal-bladder surgery. Her own medical insurance paid for it because she had been having a problem for months but her own doctor didn't know it was a gal-bladder problem until the ship's doctor told her that was her problem.
The ship's doctor saved her life because her own doctor told her she would have died within two weeks if she had not had surgery because her gal-bladder was gangred sp. and ready to fall apart. Angelgal