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Old May 7th, 2018, 09:19 PM
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Default Travel Insurance problem

I was on a cruise in Dec.2017 .I was experiencing severe abdominal pain on day 7 and went to the infirmary .I requested an itemized bill to submit to the travel insurance carrier .They requested denials from Medicare and my secondary carrier which I sent. I was told that it takes 30 days till the claim is processed.On day 60 I called and was told it would be 2 more weeks .I called after 2 weeks and received an e-mail today asking for proof that I paid for the cruise .To me this makes no sense . How could I have taken the cruise if I had not paid ?

The carrier wants copies of both sides of my credit card .I will not do this. I will call the TA that I booked with to ask them to send me something stating I paid for the cruise .


Has anyone else experienced anything like this ?
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Old May 7th, 2018, 09:29 PM
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Depends on the insurance company. We use Allianz and have not had problems like that, mainly because I send them almost everything they need, so that my clients only need to get the doctor's form filled out, along with a copy of their credit card statement (I black out all the number except the last four digits) and the denials from medicare and their insurance companies.

Not unusual to take a month or so, depending on the circumstances and the insurance company.

We use to sell insurance from 5 different companies (some of the biggest names in the industry) and fired 3 of them for poor customer service. They love to make it as difficult as possible hoping you'll get tired of all the hassles and just give up, so they don't have to pay anything. It's the games they play knowing the average of people who will continue and those who won't.

Pete
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Old May 8th, 2018, 09:48 AM
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Yes, what Pete said about making it difficult to the customer so the company does not have to pay. I do not blame you for not wanting to send your credit card copy to them. Almost silly of them to think anyone would, but I am sure someone would. Your idea of requesting something from the travel agent is good or what Pete said about a copy of your credit card statement with the main part of your account number blacked out!!


BTW, if sending a copy of your statement do this: make a full copy, then, black out the account number and copy again. Send the second copy!! I have found that if you just copy and black out number, the number CAN be read if held a certain way in certain light. So, always black out and THEN copy to send to company!
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Old May 8th, 2018, 04:08 PM
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Default Follow up

Quote:
Originally Posted by Haimia View Post
Yes, what Pete said about making it difficult to the customer so the company does not have to pay. I do not blame you for not wanting to send your credit card copy to them. Almost silly of them to think anyone would, but I am sure someone would. Your idea of requesting something from the travel agent is good or what Pete said about a copy of your credit card statement with the main part of your account number blacked out!!


BTW, if sending a copy of your statement do this: make a full copy, then, black out the account number and copy again. Send the second copy!! I have found that if you just copy and black out number, the number CAN be read if held a certain way in certain light. So, always black out and THEN copy to send to company!
I got a paid receipt from my TA .The Insurance company refuses to accept this .They want a copy of the credit card statement .
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Old May 8th, 2018, 04:10 PM
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Quote:
Originally Posted by storybookcruises.com View Post
Depends on the insurance company. We use Allianz and have not had problems like that, mainly because I send them almost everything they need, so that my clients only need to get the doctor's form filled out, along with a copy of their credit card statement (I black out all the number except the last four digits) and the denials from medicare and their insurance companies.

Not unusual to take a month or so, depending on the circumstances and the insurance company.

We use to sell insurance from 5 different companies (some of the biggest names in the industry) and fired 3 of them for poor customer service. They love to make it as difficult as possible hoping you'll get tired of all the hassles and just give up, so they don't have to pay anything. It's the games they play knowing the average of people who will continue and those who won't.

Pete
The Insurance company isTripmate . They were highly recommended by the TA I used for the cruise.
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Old May 8th, 2018, 09:17 PM
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Quote:
Originally Posted by Lakers Fan View Post
The Insurance company isTripmate . They were highly recommended by the TA I used for the cruise.
TripMate is not an insurance company - they are a reseller for some other insurance companies that are not very well known and you don't know which company you're going to get. And travel insurance is only a very small portion of their business - they don't specialize in travel insurance.

So, TripMate is the middle guy in this equation and they are the ones dealing with the insurance company, which makes everything more complicated and takes longer.

It's always better to deal with a travel insurance company, so you can deal directly with them and no middle person.

JMHO and I've been dealing with travel insurance companies through my company for 16 years and through my old job for another 15 years on top of that.

Pete
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Old May 9th, 2018, 10:18 AM
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Default hello

Quote:
Originally Posted by storybookcruises.com View Post
TripMate is not an insurance company - they are a reseller for some other insurance companies that are not very well known and you don't know which company you're going to get. And travel insurance is only a very small portion of their business - they don't specialize in travel insurance.

So, TripMate is the middle guy in this equation and they are the ones dealing with the insurance company, which makes everything more complicated and takes longer.

It's always better to deal with a travel insurance company, so you can deal directly with them and no middle person.

JMHO and I've been dealing with travel insurance companies through my company for 16 years and through my old job for another 15 years on top of that.

Pete
Thanks for the reply

Len
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Old May 10th, 2018, 09:52 AM
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Quote:
Originally Posted by Haimia View Post
"what Pete said about a copy of your credit card statement with the main part of your account number blacked out!!


BTW, if sending a copy of your statement do this: make a full copy, then, black out the account number and copy again. Send the second copy!! I have found that if you just copy and black out number, the number CAN be read if held a certain way in certain light. So, always black out and THEN copy to send to company!






Just a reminder. Hope this works out for you!!
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Old May 10th, 2018, 02:48 PM
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Default I bought for the first time...

Iíve never opted for the insurance for my travel before. I had one incident where a cruise was canceled due to swine flu. I rebooked to another itenerary. However, Carnival wouldnít just credit the canceled cruise to pay for the replacement...I had to pay for the replacement and then wait 9 weeks for a refund...
Anyway, I opted for the insurance this time because I have some risky things in my life at the moment that might interrupt my plans. And, the sales lady on the phone had a very sultry voice!
Is it truly advisable to pay for the insurance?
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Old May 10th, 2018, 04:30 PM
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Quote:
Originally Posted by Nite View Post
Iíve never opted for the insurance for my travel before. I had one incident where a cruise was canceled due to swine flu. I rebooked to another itenerary. However, Carnival wouldnít just credit the canceled cruise to pay for the replacement...I had to pay for the replacement and then wait 9 weeks for a refund...
Anyway, I opted for the insurance this time because I have some risky things in my life at the moment that might interrupt my plans. And, the sales lady on the phone had a very sultry voice!
Is it truly advisable to pay for the insurance?
Just don't get the travel insurance offered by the cruise line, especially if you're not a senior, as it will cost you more and provide less coverage.

And never book the cruise directly through the cruise line, because if you have problems, who do you think they represent? An agent has contacts not available to you and can almost always get more or better than what you can get, if there are problems. Plus, they don't charge anything for their services, so it makes sense to utilize their expertise and service. And their prices will always be the same or less than what the cruise line is offering. If the price goes down, they'll get the reduction for you, whereas the cruise line usually won't say a word about a price reduction.

Pete
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Old May 10th, 2018, 06:05 PM
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Nite you're speaking to someone who's husband fell ill and was hospitalized in St Thomas for 4 days...trust me you need it for many more reasons then having some risky things going on...we had good insurance and didn't have to outlay a penny.

AGE means nothing, I've seen young people get injured..you want to end up in a third world country hoping you'll get first a class hospital/ doctors? Forget about it. Do you have the cash in your pocket, or a credit card with a high limit
to pay upfront? If you don't, you won't get tended to.

This is the reality. Baggage coverage and trip interruption are nice to have ..the medical part is what you NEED to have.
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Old May 10th, 2018, 06:27 PM
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Trip is 1000% right.

Never ever travel without insurance especially out of the country.
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Old May 11th, 2018, 07:58 AM
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I always by trip insurance. You never know what might happen.
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Old May 11th, 2018, 09:17 AM
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Default Health insurance coverage

My company volunteered in Haiti after the earthquake. I called my health insurance company and confirmed that the teams were covered in Haiti. Admittedly, we were out of network and due to circumstances providers were scarce. We didnít have any issues, but had we, we would have been covered.
Is it common for employer provided healthcare to not cover you on vacation out of the country?
Also, I was under the impression that the insurance would only reimburse me (or not, as in the initial post on this thread). Do care providers bill the insurer directly with nothing out of pocket? If so, what went wrong to trigger this thread? If not, donít we all need a wad of cash or high limit credit card?
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Old May 11th, 2018, 02:18 PM
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First, everybody's health insurance coverage is different. So, what is covered for one, may not be covered for another.

It's always VERY important to talk to your insurance company to find out about your specific coverage, what it covers, and where. You never want to have major surprises.

Also, keep in mind that many senior citizens rely on Medicare as their primary coverage. Medicare does NOT cover people in foreign countries, so it is VERY important to purchase independent travel insurance.

With that said, travel insurance is a secondary coverage. This means that if you have a claim, you have to file with your primary health insurance company first. They will either deny or pay the claim. If they deny or only pay a partial claim, then you submit to the travel insurance company.

As for the credit card with a high limit, with some insurance companies and in some countries, there can be problems in guaranteeing payment. In those cases, the patient is responsible for payment. Obviously, depending on the situation, the bill can be quite large. This is why you ALWAYS want to talk to your credit card company before you leave to let them know where you're going and when. Should you have any problems, they will help.

Lastly, many travel insurance companies, like the one we sell, have a 24-hour concierge service that will provide assistance whenever and wherever you need it. This can be invaluable.

As I said many times, it's always advisable to purchase travel insurance when traveling, especially when going to foreign countries. You hope it's a waste of your money and that you'll never need it. But if you need it, you're damn glad you've got it!

I could give you dozens of stories of when my clients, including myself, have had problems and how it turned out. Some had travel insurance and some did not. So, I speak with alot of personal experience in the matter.

Yes, as with everything else in life, some things are better than others and price is not always the determining factor. Some policies are better than others and some insurance companies are better than others. So, don't just look at the prices and don't automatically assume the policy offered by the cruise line, airline, or resort is the best way to go.

It's always better to plan for the worst and hope for the best than to not have any plan at all.

Pete
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