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Old 05-09-2007, 10:31 AM
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HA needs to review their "policy" of predatory insurance sales.

Grandma books a cruise for February of 2008 ...
she is told she MUST BUY INSURANCE at the time of booking.

Grandma cancels 10 months before the cruise departs, and HA refunds only the cruise portion of her deposit and POCKETS $600 for the insurance.

HA has 10 months to sell the cabin to someone else. Yes, I've heard that the rules are "on the website", but Grandma doesn't do the web.

SHAME ON YOU! Stealing Grandma's money like that. The least HA could do is give her a credit for a future trip.

I hope the Shameless Commerce Division of HA is satisfied!
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Old 05-10-2007, 06:43 PM
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If I have an auto stolen, the company is only going to pay for the car...not the insurance. Isn't this what all insurance companies do?
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Old 05-11-2007, 09:31 AM
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What exactly are they insuring Grandma from 10 MONTHS BEFORE THE TRIP?

You wouldn't insure your car before you took delivery. I still think a 90-120 policy makes more sense that a 10 month penalty period. Rip off...
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Old 05-11-2007, 10:36 AM
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HINT!!! Never buy the insurance from a cruise line tour company. I ususally use Travel Guard or CSA....its usually less expensive and covers more. Check them out.
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Old 05-11-2007, 03:27 PM
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Almost all insurance companies require you take out insurance within 7-14 days of booking a vacation if you want pre-existing conditions to be covered.
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Old 05-11-2007, 04:29 PM
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And travel insurance premiums are almost never refundable. Nothing unusual about HAL's requirements; the same is true of all cruise lines' insurance, and the third party companies (like Travel Guard) also are nonrefundable.
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Old 05-11-2007, 04:47 PM
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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.
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Old 05-11-2007, 05:07 PM
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Quote:
Almost all insurance companies require you take out insurance within 7-14 days of booking a vacation if you want pre-existing conditions to be covered.
Not so, most outside providers cover pre-existing conditions as long as you purchase it prior to the penalty period (final payment due date). I'm going to, I think for the first time ever, disagree with Dave and side with the OP. HAL's policies are in fact on their site but their rules have changed... recently. Anyone who purchased insurance through HAL for past sailings and didn't know about the changes may well have legitimately felt decieved. They don't exactly go over the exclusions and coverages when they offer it to you during a booking. The actual policy doesn't arrive to the client for review after purchase until the ticket packet arrives a few weeks prior to the sailing date. Thier standard coverage now is not even insurance! It's just cancellation protection. No medical, no dental, no baggage and no med transportation! Do they always disclose that? NO, they made the change months ago and I book cruises for them and they didn't bother to inform me of such a change until I had a client with and issue which my company paid to resolve. Their insurance (or lack thereof) paid not one dollar. You have to buy their premium coverage to have any protection at all.

By contrast, CSA provides 100% coverage, pre-existing included and you don'e have to make the decision until final payment due date unless you're booking a cruise already in penalty. Also they offer an upgraded policy as well that not only pays the claim but if you have to file a claim they reimburse you the insurance premium. They give you back what you paid them for the policy!

Never buy cruise line insurance, from any cruise line. Go to an outside plan and read what you're buying. They send it to you via email if you have a computer the same day. Send it snail mail the same day if no computer. Then the give you a 10 day grace period to cancel the policy and get a full refund if you're not happy with what you recieve.

Sorry Dave, I got bit by the HAL change in coverage and it was costly. It is deceptive the way it was changed without notification and the way they now force it to be purchased at the time of the booking even though you don't have a copy of the policy to review. It's wrong and should be changed. I feel for Grandma, so sorry for the situation Beanie. By the way welcome to CruiseReviews.

Cheers, Neil
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Old 05-11-2007, 05:53 PM
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Neil,

I'll defer to your experience in this area. I was under the impression things were "as usual".

But I also agree with you in that it is really never a good idea to buy the cruise line insurance. I ALWAYS get my own insurance for my cruises.
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Old 05-11-2007, 06:47 PM
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Quote:
By contrast, CSA provides 100% coverage, pre-existing included and you don'e have to make the decision until final payment due date unless you're booking a cruise already in penalty.
Neil, that's only true of CSA's Freestyle Luxe program. Their Freestyle program does not offer coverage for pre-existing conditions.

Other insurance companies do require that you purchase insurance within 15 days of first deposit in order to cover pre-existing conditions.

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

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