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Old April 20th, 2004, 08:19 AM
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Hello All,

I know you will be able to help me. I am set to go on a cruise
5/22. I booked it on 2/18 and my insurance went into effect 2/19.
I had a bad back ache and went to the Dr. on 2/23 and I have a slight budging and disc.
The Dr say's I can not travel .Will my insurance cover me? It is not a pre existing.
Please help. I do not want to cancel if the insurance does not cover the expense.
I do not want to lose the money for Cruise and Airline and hotel.
Please help me!!

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Old April 20th, 2004, 06:36 PM
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You should have cancelled the cruise after visting your doctor, having the doctor provide you with a prescription or letter that you should not take a cruise,because, etc . (Giving a reason)You should have immediately notified your travel agent, the cruise line and the insurer as set fortrh in the evidence of insurance coverage pamphlet.

At this point in time, not knowing the terms of your passenger ticket on the provisions covering cancellation, you may be in the 75% or 100% cancellation penalty period.

Some of the travel insurers have a requirement that you immediately notify of your need to cancel to minimize their claim payment. Here is a clause used by a number of travel insurers: "All cancellations must be reported to the travel supplier within 72 hours of the event causing the need to cancel .If the event delaysthe reporting of cancellation beyond 72 hours, report the event as soon as possible. All other delays of reporting beyond 72 hours will result in reduced benefit payments."

One insurer's requirement requires 20 day notice from the day it was determined that you should not take the cruise. Your evidence of insurance from the insurerr should tell you what can transpire.

I am not a lawyer nor offering legal advice
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Old April 21st, 2004, 07:00 AM
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Default Re: insurance

Why does he say you cannot travel??? I have 2 herniated disks, one of which is actually torn, and i went on a cruise in march. I wouldnt go bungie jumping or something crazy like that, but I had no problems.
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Old April 21st, 2004, 07:33 AM
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Default Re: insurance

I also wonder with napfam, how come you cannot cruise? My husband has back pain every day with herniated disks, bad knees, heart problems, and other troubles, but you can't keep him down! Even if you were just to stay on the ship, or take some short tours of the ports, I also do not understand what would keep you from traveling...

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Old April 21st, 2004, 07:46 AM
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I'm sorry I though I mentioned I also have a stress fracture as well.
Believe me I do not want to miss this cruise. I have a Dr. appointment next week
My back is much better than it has been in weeks. All I plan on is R&R on this
cruise. I was just asking the question about the insurance, I have never used it before.
I do not plan on missing my sailing unless I can not walk lol.

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Old April 21st, 2004, 02:56 PM
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Heck, if you cannot walk, there are always wheelchairs!! Many ways to still enjoy the relaxtion of a lovely cruise...

Good luck to you....I hope you are feeling better soon...

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Old April 21st, 2004, 04:24 PM
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Thank you Jean. I will not miss this cruise lol

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Old April 28th, 2004, 07:16 PM
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Default Re: insurance

i have 5 disk.s that are bad from bulging to desicating i am going to cruise in may why not
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