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Old May 16th, 2010, 06:18 PM
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Default If you thought buying cruise insurance...

Was a waste, and you won't need it, read this family's story...then buy it!

Couple?s cruise goes from bad to much, much worse

The couple says they will never cruise again...I wonder if they knew ins was available, decided against it or what....I am also a bit taken aback, that, in the Caymans, with all the wealth there, and what I would think have state of the art care, the hospital, made such a critical mistake
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Old May 16th, 2010, 06:26 PM
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I have always bought the ins. You just never know and I sure don't want to have try to pay for extreme medical by my self.
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Old May 16th, 2010, 08:18 PM
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Unhappy Travel insurance

WHEN WE started to cruise 25 years ago and were much younger, much...we bought travel insurance and it was not our time.. twice medical problems came up and we had to cancel...I didn't think we were meant to cruise. We would never, ever leave home without travel insurance. Sadly, they have to blame themselves and I'm sorry it happened to this couple..really..but travel insurance is the second thing we buy after putting down a deposit on o ur cruise.
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Old May 16th, 2010, 08:55 PM
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Cruise insurance has come through for me twice. The first time I injured my foot at work a week before a Bermuda cruise. the insurance paid us the cost of the cruise.
The second time my MIL passed away a few days before our cruise was about to start, again since we attended a funeral instead of going on a cruise we got all our money back.
I allways get trip insurance.

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Old May 16th, 2010, 09:10 PM
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I find it interesting that the article didn't "blame" or name a cruiseline for the illness yet "Both say it’s the last cruise they’ll ever take: “Never again.”

So in what way are they saying (if they are saying) the cruise caused their problems? If they flew to Cayman, got sick in a hotel, and had the same experience would they never travel again?

How is it the mode of travels fault?

There was a benefit for them...

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Old May 16th, 2010, 10:09 PM
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A horror to be sure. But Phil &Liz hit the nail squarely on the head.

Todd
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Old May 16th, 2010, 11:30 PM
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Never leave the country without it.

The article never did clarify if they did or did not have insurance.

This is the reason to have insurance. Losing the cost of your cruise is nothing. It just means you didn't get to go on the cruise. You are really not financially impacted since you already paid for it.

What can and will destroy, or severely impact, your financial stability is this type of medical problem. $200,000 will hurt just about anyone.

Buy the insurance.

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Mike
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Old May 16th, 2010, 11:32 PM
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Hey, maybe I can sue Ford because I got tonsilitis symptoms while I was riding in an Escort....

I'm never getting in a Ford product again.
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Old May 17th, 2010, 09:11 AM
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Just another good reason to always purchase the insurance....My rule of thumb, if you have it, you won't need it, if you don't, you would of needed it. Its a small price to pay to be covered for any unforseen accident.
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Old May 17th, 2010, 09:29 AM
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Three cruises and I never purchased insurance. Up until this I thought of the insurance as security in the event I had to cancel the trip. Never really thought about getting sick or hurt and needing medical help. I would have to check with my insurance to be certain if I would be covered under the event a medical emergency did happen. After reading this I would never cruise or vacation out of the United States without it. Itís worth the few extra bucks especially now that Iím getting older not to say something couldnít happen at any age I know see what I stand to lose.
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Old May 17th, 2010, 10:15 AM
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Just a few thoughts on this one. While I wholeheartedly agree that they should have bought insurance, the reality is that it appeared to me when I read the article that the costs that travel insurance would have covered would have been limited to the $22,000 plus the costs of the cruise, etc. When I looked at a few other bits and pieces it seems that the majority of the $200,000 is a result of her stay in the Florida hospital, so probably in addition to not having travel insurance, they also had issues with not having medical insurance or at least insufficient medical insurance on home turf.

In addition my thoughts on them not cruising again likely has zero to do with cruising and everything to do with not wanting to do anything that would remind them of this experience. For example, we were robbed in Miami Beach and even though we'd been there many times prior to this experience now when asked if we can go to Miami Beach I say "no I'm never going back to Miami Beach again." Is it rational?? Absolutely not, but it is an emotional response to a traumatic event, probably the same for these folks.
ALWAYS carry adequate insurance!
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Old May 17th, 2010, 10:32 AM
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I would totally agree that this family not wanting to cruise again, is totally connected to the bad experience, and not their experience on the ship...They are traumatized,and the word cruise, will clcik in with bad memories for years to come.

Aero, I have witnessed injuries onboard,and know of someone who, needed the complete use of the medivac/medical facilities. I am so glad this story struck a cord with you. Go to insuremytrip.com, and you can have side by side comparisons to view which policy is best for you, with the info you plug in.
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Old May 17th, 2010, 04:20 PM
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I just filed a cancellation of vacation claim with the carrier for my land trip for next week. I always take travel insurance
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Old May 17th, 2010, 05:19 PM
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Quote:
Originally Posted by 2Littletime View Post
Just a few thoughts on this one. While I wholeheartedly agree that they should have bought insurance, the reality is that it appeared to me when I read the article that the costs that travel insurance would have covered would have been limited to the $22,000 plus the costs of the cruise, etc. When I looked at a few other bits and pieces it seems that the majority of the $200,000 is a result of her stay in the Florida hospital, so probably in addition to not having travel insurance, they also had issues with not having medical insurance or at least insufficient medical insurance on home turf.

In addition my thoughts on them not cruising again likely has zero to do with cruising and everything to do with not wanting to do anything that would remind them of this experience. For example, we were robbed in Miami Beach and even though we'd been there many times prior to this experience now when asked if we can go to Miami Beach I say "no I'm never going back to Miami Beach again." Is it rational?? Absolutely not, but it is an emotional response to a traumatic event, probably the same for these folks.
ALWAYS carry adequate insurance!
Any decent travel insurance medical coverage will cover your expenses even if they are in the United States. It should also cover evacuation, repatriation and travel expenses.

I always look for "primary medical coverage" versus secondary coverage. This makes the travel insurance provider the primary payer. With most travel insurance they are secondary and you must submit claims to your primary insurance and once they pay then you must submit the remainder of the claim to the travel insurance provider. This can be a real hassle when you have five or six figure expenses.

No matter what: Get the insurance and read the entire policy before purchasing.

Take care,
Mike
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Old May 17th, 2010, 08:39 PM
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At one time 100% of the claims had to be submitted to the travelers health insurance carrier . Most people were not aware of that stipulation .
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Old May 18th, 2010, 08:50 AM
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I had been procrastinating on the purchase insurance for our upcoming trip (in like 2.5 weeks )... Not sure why I procrastinated, but I did. I have medical repatriation for the entire family covered through my DAN membership and anytime we are more than 50 miles from home, if something should happen to us they will get us where we need to go. But I needed more than that. We needed something that covered if our bags got lost, or we missed a port. If we needed medical treatment (even though our medical insurance has covered us on the ship in the past, I don't want to be fighting with my insurance co. if I find myself sick in a foreign port), if something else should arise etc...

I kept meaning to do it and kept putting it off... finally last night (after reading this thread, I made myself do it. Now for me and the 2 kids I was able to pick up a pretty nice policy with primary coverage for $59, that's just amazing. Glad I did it and I hope we will never use it, but it is there if we do... it is inexpensive peace of mind.
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Old May 18th, 2010, 08:56 AM
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Quote:
Originally Posted by Mike M View Post
Any decent travel insurance medical coverage will cover your expenses even if they are in the United States. It should also cover evacuation, repatriation and travel expenses.

I always look for "primary medical coverage" versus secondary coverage. This makes the travel insurance provider the primary payer. With most travel insurance they are secondary and you must submit claims to your primary insurance and once they pay then you must submit the remainder of the claim to the travel insurance provider. This can be a real hassle when you have five or six figure expenses.

No matter what: Get the insurance and read the entire policy before purchasing.

Take care,
Mike
Thanks Mike, it works so much differently in the USA than it does here in Canada. When we had to leave the Dominican Republic due to illness our travel insurance was only responsible until we landed on Canadian soil, then medicare took over. But as you said every policy is different.
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Old May 18th, 2010, 08:49 PM
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Though scary, in the hands of an experts, shei s off to the hospital, medivaced off the Veendam.....this was the cruise after Kuki's....this is view we don't get to see!

http://www.pressofatlanticcity.com/n...cc4c03286.html
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Old May 18th, 2010, 09:01 PM
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I just don't see how never cruising again had anything to do with having kidney stones, etc....Yea, the memory of when it happened and where she was, but being on the cruise didn't cause the stone....I'm just glad it was a good ending and she got the medical treatment she needed. No, nothing was said about having travel insurance....
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