Go Back   Cruise Reviews Forums > Cruise Lines > Holland America Line
Register Forgot Password?
New! Use your Facebook, Google, AIM & Yahoo accounts to securely log into this site, click logo to login  
Search

Closed Thread
 
LinkBack Thread Tools Display Modes
  #11 (permalink)  
Old 05-11-2007, 07:40 PM
TrvlPro's Avatar
Senior Member
 
Join Date: Apr 2007
Location: Houston TX
Posts: 2,172
Default
Thanks Sandy, I'm certain you're right on the policies available through most sources. I work for one of the large Cruise agencies that advertizes heavily here. We have policies offered to us that may not be the same that are maketed elsewhere. Didn't dawn on me until your post that policies may be different through the same company depending on who they're offered through so I called. We and a few other companies get a little different program. We don't have anything called Freestyle anything. The two policies I add to bookings are called "Comfort Plan" their std coverage and "Luxe Plan" their premium policy. Both of which cover pre-existing conditions.

I should be more careful in making assumptions. I'll make the same statement I did regarding HAL coverage about any policy that requires payment before penalty begins. If there is no penalty, there is nothing for insurance to cover. Purchasing a policy that is non-refundable for a booking (in this case) 10 months out is not wise. Shop carefully for your insurance and whoever you choose be sure you know what the limitations are and if you'll lose your money if you have to cancel a cruise outside of penalty or inside penalty.

Thanks for the correction Sandy.

Cheers, Neil
  #12 (permalink)  
Old 05-11-2007, 08:17 PM
Moderator
 
Join Date: Dec 2005
Posts: 6,008
Default
However; If a person has a pre-existing condition then it is wise to get the insurance 10 months out (depending on the policy). Also; just because someone doesn't have a pre-existing condition now, doesn't mean something can't happen during that 10 month period that would then become a pre-existing condition.
  #13 (permalink)  
Old 05-12-2007, 06:54 AM
LisaP's Avatar
Administrator
 
Join Date: Dec 2005
Location: Massachusetts, USA
Posts: 5,536
Default
Cruise Fanatic makes an excellent point. This is precisely why we, too, purchase trip cancellation and interruption insurance within days of initial deposit. We make certain that the exclusion also applies to family members not traveling with us.

A great place to check policy provisions is InsureMyTrip.com. There may be variations depending on the state in which one resides.
__________________
Happy cruising!
LisaP
  #14 (permalink)  
Old 05-12-2007, 11:55 AM
TrvlPro's Avatar
Senior Member
 
Join Date: Apr 2007
Location: Houston TX
Posts: 2,172
Default
Quote:
However; If a person has a pre-existing condition then it is wise to get the insurance 10 months out (depending on the policy). Also; just because someone doesn't have a pre-existing condition now, doesn't mean something can't happen during that 10 month period that would then become a pre-existing condition.

I guess I'm confused. If a cruise doesn't go into penalty until 60-90 days of the sailing date (depending on the length of the cruise) what difference would having insurance make? If there is no penalty. No penalty means you can cancel for any or no reason what-so-ever without losing a dime. Booking insurance that early protects against no posibility of loss. Then if the policy is non-refundable the loss is the cost of the insurance. So you purchased a policy to protect against loss and lost the cost of the insurance for having to cancel. You essentially paid for coverage to protect nothing.

If you buy a policy that allows for pre-existing coverage from a company that allow you to buy it at final payment due date you don't have to risk the cost of the policy to protect you against no possible loss.

Cheers, Neil
  #15 (permalink)  
Old 05-12-2007, 01:44 PM
Cruise Specialist's Avatar
Senior Member
 
Join Date: Mar 2003
Location: SC
Posts: 796
Default
Travel Pro,
The way most insurance companies work is you have anywhere from 7-15 days to purchase the policy upon 1st deposit date if you have a pre-existing condition...such as you are taking Chemo for Cancer, or you recently had a heart attack, stroke, etc... or you have high blood pressure and are constantly under a doctors care. If you purchase this with the pre-existing condition, then after final payment when you are in penalties, and if you have to cancel, the insurance will cover it. If you did not purchase the pre-existing coverage, then you loose out on the cruise also. Most travel insurance companies have the pre-existing clause.

Our company offers the Travel Companion coverage, and the pre-existing clause states:

Pre-existing conditions means an Injury, sickness or other condition of the insured, and traveling Companion, or an Immediate Family member booked to travel with the insured, which, within the 60 day period before insuranse coverage began (a)first manifested itself, worsened, became acute, or had symptoms which would have prompted a reasonable person to seek disgnosis, care or treatment (b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is tanen remais controlled without any change in the required prescription; or (c) required treatment by a physician or treatment had been recommended by a Physician.
__________________
Carol
Cruise Specialist



Free Cruise Clocks

Free Cruise Clocks

Free Cruise Clocks



Request me as a friend at www.myspace.com/cleopard

  #16 (permalink)  
Old 05-12-2007, 02:31 PM
TrvlPro's Avatar
Senior Member
 
Join Date: Apr 2007
Location: Houston TX
Posts: 2,172
Default
Hi Carol,

I understand exactly what you're saying. I have booked literally 10's of thousands of cruises and about 60% or more of my clients book insurance with their cruise. The company I use does not require anyone to buy insurance until the final payment due date and every policy I write has pre-existing condition coverage and covers 100% for trip cancellation, 150% trip interuption, $250,000 for med transportation, etc. And that's for the standard policy. The Luxe covers $1 million for med trans.

I know there are policies out there that have very prohibitive requirements. My only point is that there are also better policies available at very competitive rates that do not have these type of requirements for payment within X# of day to be covered. Or have to pay more for pre-existing or another form of jump through our pre-designated hoops to get real coverage and do so when we tell you. If folks want that type of policy there are a lot of policies out there to meet their needs. With a little careful shopping and due diligence there are coverages that offer much better flexibility, lower cost, higher limits, etc. Like cruises, all policies and policy providers are not the same. The one I use and offer to my clients is amazing and I've yet to have an issue that they did not cover to mine and my clients satisfaction. I have had client opt for the cruiseline coverage or thier own outside coverage that have had issues.

I won't go any further because I don't have a vested interest in selling insurance through one company over another. I just believe everyone should have coverage and it should suit their wants and needs. The OP didn't have such coverage but it does exist. I write policies without such limitations every day I come to work (I've written 6 today).

Happy sailing, Neil
  #17 (permalink)  
Old 05-12-2007, 03:02 PM
Junior Member
 
Join Date: May 2007
Posts: 3
Default
Quote:
Originally posted by Dave Beers:
quote:
Originally posted by Beanie:
Yes, I've heard that the rules are "on the website", but Grandma doesn't do the web.
And so that is HAL's fault? What if Grandma doesn't do phones? Is that HAL's problem too? When you buy insurance you are making a contract. Business is business. Grandma ought to know that by now.


Grandma was given BAD information by her travel "consultant"...no mention of third party policies, just that the insurance had to be purchased at the time of deposit. They do tell you "on the phone" that the cruise is fully refundable a certain number of days before departure, but no mention of the insurance.

What's even better is the tiny tiny piece of paper Grandma gets to confirm her deposit. It says nothing other than the booking number, and the date of departure. The departure date was even wrong....instead of February of 2008, they had her sailing on September of 2008.

So now they are collecting their insurance 15 months before the WRONG departure, and you are telling me this is BUSINESS? What a great busines they have going for themselves.
  #18 (permalink)  
Old 05-12-2007, 04:22 PM
Moderator
 
Join Date: Jan 2003
Location: Maryland
Posts: 3,869
Default
Quote:
I have booked literally 10's of thousands of cruises
My goodness! Tens of thousands?? Impressive.

Sandy
  #19 (permalink)  
Old 05-12-2007, 04:44 PM
Dave's Avatar
Administrator
 
Join Date: Dec 2005
Location: Alabama
Posts: 17,741
Default
Beanie,

I must apologize for coming across like a horse's *** in my first note. Yesterday was one of those days where I probably shouldn't have gone online after a frustrating day at my real job.

Although many people rave about booking directly with a cruise line, I never do this and Grandma's is a good example of why using a cruise agent is a good idea. I think this wouldn't have happened if an agent was used for her booking - and for getting the insurance.

Again, sorry for sounding so boorish yesterday and welcome to the cruise-chat forum.
__________________
Dave
Editor, CruiseReviews.com
  #20 (permalink)  
Old 05-12-2007, 05:09 PM
LisaP's Avatar
Administrator
 
Join Date: Dec 2005
Location: Massachusetts, USA
Posts: 5,536
Default
A few thoughts on the original post:

$600 for insurance? What kind of cruise was this? Possibly one of the grand voyages? Yet, if that were the case, it could not have possibly been mixed up with a September date as the itineraries are different.

Sure, HAL has ten months to resell the cabin. That's why they refunded her deposit for the cruise.

The insurance portion is separate from the cruise portion. Why should the insurance provider (which, for the CPP Platinum Plan is BerkelyCare) have to give a future cruise credit?

It sounds like the problem is the "travel consultant," not HAL. I base this on the post that indicates that the confirmation showed the wrong sailing date and that no information was given on an insurance policy that was positioned as mandatory.

Then again, the client also has to bear some responsibility. What did she do when she noted the incorrect sailing date on the confirmation?
__________________
Happy cruising!
LisaP
 
Closed Thread

Tags
buying, conditions, cpp, cruise, cruises, existing, forum, hal, holland, insurance, penalty, platinum, poicy, pre, predatory, travel

Similar Threads
Thread Thread Starter Forum Replies Last Post
Sales pitch Vaca Insurance CruiseDad Carnival Cruise Line 16 01-13-2011 04:56 PM
RCI sales? footprints-in-the-sand Royal Caribbean Cruise Line 15 07-12-2007 02:40 PM
Holland's gone to no smoking now in casinos TrvlPro Holland America Line 20 07-05-2007 06:22 PM
Holland's Veendam or Royal's Legend? Honeymooner79 Holland America Line 11 08-24-2006 06:36 PM
Holland's Veendam or Royal's Legend? Royal Caribbean Cruise Line 12 12-31-1969 04:00 PM


Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On
Trackbacks are On
Pingbacks are On
Refbacks are On
 

All times are GMT -7. The time now is 05:17 AM.

Contact Us - Terms of Use - Cruise Reviews Home - Archive - Privacy Statement - Top

Powered by vBulletin® Version 3.7.6
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
SEO by vBSEO 3.5.2