Bob wrote:Godflesh wrote:I received a paper letter from the travel insurance company I use every year, with useless info.
It's their way of saying: "Hey, every year you give us free money, but we noticed you haven't given us money yet this year. Is everything OK?"
I get the insurance also, costs me about $80 but worth every penny for me. I had a gallbladder attack in 2016, was left in Jamaica on Saturday in the hospital, had to find my own way home after the ship left.Bob wrote:I get the insurance mostly for emergency medical or evacuation. The trip cancellation costs are minimal compared to medical expenses incurred in a foreign country. Take lots of credit. One lady in the hospital with me was being asked for $15K USD for additional tests. I’ve heard horror stories about people being stuck in Mexico where the hospital was demanding $20K USD before they would allow them to leave.
Yes, the insurance will provide advance payment for hospitals, emergency evacuation from the boat, and repatriation afterwards. They’ll even pay for an “escort” to travel with you.
There’s a big catch though: the evacuation must be agreed upon by them IN ADVANCE, unless you’re unable to contact them. So make sure you carry their card with the international emergency number, and have the ship doctor call them.
There’s a reason this coverage is $500,000 (in my case), since a helicopter transfer for example could run you $100,000.
My wife had surgery for a broken wrist 2 months ago and now she just broke a toe and might need surgery again, so with this kind of luck, we certainly won’t forget travel insurance, whenever the next cruise happens