Cruise Insurance Travel Agent vs. Cruise Co.

Cruise Insurance Travel Agent vs. Cruise Co.

Out of 15 cruises I have only taken out cruise ins. once, but after my
experience last week-end may buy the ins. every time.

A man seated next to me on my flight was extremely attentive to an
elderly lady. At first I thought this lady was his mother, but come to
find out this man is a flight nurse (works for air ambulance worldwide)
and the lady was his patient. She was on a Canival Cruise last week and
when the automatic sliding doors closed her body was crushed and her hip
was broken. Because she took out the ins. the ins. co. made arrangements
for this ft. nurse to meet the ship, fly her first class home, and pay
for all her medical expense. He also said it is always best to insure
with the cruise line and not the t/a and he recommends the co. "on call"
and "stat physician." Thought I would pass this info along!

Happy Sailing!
Carol Eskra

Re: Cruise Insurance Travel Agent vs. Cruise Co.


"Carol Eskra" <CLEskra@webtv . net > wrote in message
news:17353-486E329E-867@storefull-3111.bay.webtv . net ...
> Out of 15 cruises I have only taken out cruise ins. once, but after my
> experience last week-end may buy the ins. every time.
>
> A man seated next to me on my flight was extremely attentive to an
> elderly lady. At first I thought this lady was his mother, but come to
> find out this man is a flight nurse (works for air ambulance worldwide)
> and the lady was his patient. She was on a Canival Cruise last week and
> when the automatic sliding doors closed her body was crushed and her hip
> was broken. Because she took out the ins. the ins. co. made arrangements
> for this ft. nurse to meet the ship, fly her first class home, and pay
> for all her medical expense. He also said it is always best to insure
> with the cruise line and not the t/a and he recommends the co. "on call"
> and "stat physician." Thought I would pass this info along!
>
> Happy Sailing!
> Carol Eskra
>
Guess I don't understand why he suggests using Cruise Line insurance vs.
t/a. Many travel agents and insurance companies sell insurance that has
greater benefits to the traveler.

Bobbye

Re: Cruise Insurance Travel Agent vs. Cruise Co.

On Fri, 4 Jul 2008 11:43:30 -0400, "Bobbye Haupt"
<cruise.one@comcast . net > wrote:

>Guess I don't understand why he suggests using Cruise Line insurance vs.
>t/a.

Hi Bobbye,

That is a simple one. <:+)
The guy works for the company the cruise line's insurance carrier
uses. I guess he wants to stay employed.

Best regards,
Ray
LIGHTHOUSE TRAVEL
800-719-9917 or 805-566-3905
* w w w .lighthousetravel . com
--

Re: Cruise Insurance Travel Agent vs. Cruise Co.

Carol Eskra wrote:
> Out of 15 cruises I have only taken out cruise ins. once, but after my
> experience last week-end may buy the ins. every time.
>
> A man seated next to me on my flight was extremely attentive to an
> elderly lady. At first I thought this lady was his mother, but come to
> find out this man is a flight nurse (works for air ambulance worldwide)
> and the lady was his patient. She was on a Canival Cruise last week and
> when the automatic sliding doors closed her body was crushed and her hip
> was broken.

What kind of door was that? Could it have been a watertight door, and
not just the typical ones on the Lido deck?

Because she took out the ins. the ins. co. made arrangements
> for this ft. nurse to meet the ship, fly her first class home, and pay
> for all her medical expense. He also said it is always best to insure
> with the cruise line and not the t/a and he recommends the co. "on call"
> and "stat physician." Thought I would pass this info along!
>
> Happy Sailing!
> Carol Eskra
>

When we book a cruise through George, he sends us a brochure, if we want
it, but there's never any pressure. He's always recommended the
independent insurance, with better coverage. Personally, I almost
always follow George's recommendations.

--
Nonny

Nonnymus
I'm not who you think I am. I'm not who
I think I am. I am what I think you think I am.

Re: Cruise Insurance Travel Agent vs. Cruise Co.

[Default] Thus spake Nonnymus <nobody@cox . net >:

>Carol Eskra wrote:
>> Out of 15 cruises I have only taken out cruise ins. once, but after my
>> experience last week-end may buy the ins. every time.
>>
>> A man seated next to me on my flight was extremely attentive to an
>> elderly lady. At first I thought this lady was his mother, but come to
>> find out this man is a flight nurse (works for air ambulance worldwide)
>> and the lady was his patient. She was on a Canival Cruise last week and
>> when the automatic sliding doors closed her body was crushed and her hip
>> was broken.
>
>What kind of door was that? Could it have been a watertight door, and
>not just the typical ones on the Lido deck?

I've taken quite a few hip x-rays already in my budding career. Most
of them of women (although some men). Most of the trauma incidents
were due to falls, and all the women were over 70. But a fall is
still a pretty serious insult to the body. The sliding doors on the
Lido deck, like all the sliding doors I've seen anywhere, have
pressure switches that will cause a back up if more than a few pounds
of resistance are encountered. You can basically slap one and the
door will reverse.

>
> Because she took out the ins. the ins. co. made arrangements
>> for this ft. nurse to meet the ship, fly her first class home, and pay
>> for all her medical expense. He also said it is always best to insure
>> with the cruise line and not the t/a and he recommends the co. "on call"
>> and "stat physician." Thought I would pass this info along!

Hmm. Two things here. First of all is the terminology. "Stat" means
"right now, if not sooner". In the hospital, we frequently hear
arguments about who's stat is stater. :-) "On call" is just the doc
who gets to get woken up at 2 am.

Second. If the PT actually was injured due to some sort of mechanical
failure, the cruise line's response would be a fire drill routine. Get
her treated quickly and by highly trained and expensive doctors. Then
offer something as "compensation". I doubt this was insurance.

Oh yeah, third. I guess this nurse never heard of HIPAA.

>>
>> Happy Sailing!
>> Carol Eskra
>>
>
>When we book a cruise through George, he sends us a brochure, if we want
>it, but there's never any pressure. He's always recommended the
>independent insurance, with better coverage. Personally, I almost
>always follow George's recommendations.

Very few cruise line policies cover pre-existing conditions. And none
cover you for any expenses not incurred directly with the line, like
air.

Re: Cruise Insurance Travel Agent vs. Cruise Co.

On Sat, 12 Jul 2008 22:12:58 -0500, Dillon Pyron
<invaliddmpyron@austin.rr . com > wrote:

>[Default] Thus spake Nonnymus <nobody@cox . net >:
>
>>Carol Eskra wrote:
>>> Out of 15 cruises I have only taken out cruise ins. once, but after my
>>> experience last week-end may buy the ins. every time.
>>>
>>> A man seated next to me on my flight was extremely attentive to an
>>> elderly lady. At first I thought this lady was his mother, but come to
>>> find out this man is a flight nurse (works for air ambulance worldwide)
>>> and the lady was his patient. She was on a Canival Cruise last week and
>>> when the automatic sliding doors closed her body was crushed and her hip
>>> was broken.
>>
>>What kind of door was that? Could it have been a watertight door, and
>>not just the typical ones on the Lido deck?
>
>I've taken quite a few hip x-rays already in my budding career. Most
>of them of women (although some men). Most of the trauma incidents
>were due to falls, and all the women were over 70. But a fall is
>still a pretty serious insult to the body. The sliding doors on the
>Lido deck, like all the sliding doors I've seen anywhere, have
>pressure switches that will cause a back up if more than a few pounds
>of resistance are encountered. You can basically slap one and the
>door will reverse.
>
>>
>> Because she took out the ins. the ins. co. made arrangements
>>> for this ft. nurse to meet the ship, fly her first class home, and pay
>>> for all her medical expense. He also said it is always best to insure
>>> with the cruise line and not the t/a and he recommends the co. "on call"
>>> and "stat physician." Thought I would pass this info along!
>
>Hmm. Two things here. First of all is the terminology. "Stat" means
>"right now, if not sooner". In the hospital, we frequently hear
>arguments about who's stat is stater. :-) "On call" is just the doc
>who gets to get woken up at 2 am.
>
>Second. If the PT actually was injured due to some sort of mechanical
>failure, the cruise line's response would be a fire drill routine. Get
>her treated quickly and by highly trained and expensive doctors. Then
>offer something as "compensation". I doubt this was insurance.
>
>Oh yeah, third. I guess this nurse never heard of HIPAA.

Depending on how he was hired and reimbursed, HIPAA rules might not
apply.

Re: Cruise Insurance Travel Agent vs. Cruise Co.

[Default] Thus spake Jack Hamilton <jfh@acm.org>:

>On Sat, 12 Jul 2008 22:12:58 -0500, Dillon Pyron
><invaliddmpyron@austin.rr . com > wrote:
>

<snip>

>>Oh yeah, third. I guess this nurse never heard of HIPAA.
>
>Depending on how he was hired and reimbursed, HIPAA rules might not
>apply.

How so? Insurance pays him to care for the PT. She's his PT, HIPAA
applies. She pays him, HIPAA applies. As a student, I don't get paid
by anyone, HIPAA applies.

Re: Cruise Insurance Travel Agent vs. Cruise Co.

On Sat, 19 Jul 2008 23:35:16 -0500, Dillon Pyron
<invaliddmpyron@austin.rr . com > wrote:

>[Default] Thus spake Jack Hamilton <jfh@acm.org>:
>
>>On Sat, 12 Jul 2008 22:12:58 -0500, Dillon Pyron
>><invaliddmpyron@austin.rr . com > wrote:
>>
>
><snip>
>
>>>Oh yeah, third. I guess this nurse never heard of HIPAA.
>>
>>Depending on how he was hired and reimbursed, HIPAA rules might not
>>apply.
>
>How so? Insurance pays him to care for the PT. She's his PT, HIPAA
>applies. She pays him, HIPAA applies. As a student, I don't get paid
>by anyone, HIPAA applies.

HIPAA might not apply if the patient or the cruise line paid out of
pocket or the nurse doesn't work through a service.

HIPAA applies to covered entities. Not all providers of all kinds of
health services are covered entities.

Re: Cruise Insurance Travel Agent vs. Cruise Co.

Jack Hamilton wrote:
> On Sat, 19 Jul 2008 23:35:16 -0500, Dillon Pyron
> <invaliddmpyron@austin.rr . com > wrote:
>
>> [Default] Thus spake Jack Hamilton <jfh@acm.org>:
>>
>>> On Sat, 12 Jul 2008 22:12:58 -0500, Dillon Pyron
>>> <invaliddmpyron@austin.rr . com > wrote:
>>>
>> <snip>
>>
>>>> Oh yeah, third. I guess this nurse never heard of HIPAA.
>>> Depending on how he was hired and reimbursed, HIPAA rules might not
>>> apply.
>> How so? Insurance pays him to care for the PT. She's his PT, HIPAA
>> applies. She pays him, HIPAA applies. As a student, I don't get paid
>> by anyone, HIPAA applies.
>
> HIPAA might not apply if the patient or the cruise line paid out of
> pocket or the nurse doesn't work through a service.
>
> HIPAA applies to covered entities. Not all providers of all kinds of
> health services are covered entities.
>

Did any recorded information change hands? If not HIPPA doesn't apply
anyway.

Clay
--
Warning: keyboard may cause involuntary vowel movement - Clay Ferriola


Like Ebay? Try Bidnip. Be sure to put in my email as a referrer! I get
free NIPS!!

* w w w .bidnip . com /a.php?id=44955 Snipe eBay Auctions with Bidnip

Re: Cruise Insurance Travel Agent vs. Cruise Co.

frijoli wrote:
> Jack Hamilton wrote:

>> HIPAA might not apply if the patient or the cruise line paid out of
>> pocket or the nurse doesn't work through a service.
>> HIPAA applies to covered entities. Not all providers of all kinds of
>> health services are covered entities.
>>
>
> Did any recorded information change hands? If not HIPPA doesn't apply
> anyway.
>
> Clay

HIPAA doesn't have to be recorded or written exchange of identifying
information. It can also be verbal.
But of course, with the patient sitting right there next to the health
care provider....there may have been permission to speak about her
condition? Also, the heath care provider isn't banned from speaking
about his employment, just not anything about the patient sitting next
to him.

Re: Cruise Insurance Travel Agent vs. Cruise Co.

Goomba wrote:
> frijoli wrote:
>> Jack Hamilton wrote:
>
>>> HIPAA might not apply if the patient or the cruise line paid out of
>>> pocket or the nurse doesn't work through a service.
>>> HIPAA applies to covered entities. Not all providers of all kinds of
>>> health services are covered entities.
>>>
>>
>> Did any recorded information change hands? If not HIPPA doesn't apply
>> anyway.
>>
>> Clay
>
> HIPAA doesn't have to be recorded or written exchange of identifying
> information. It can also be verbal.
> But of course, with the patient sitting right there next to the health
> care provider....there may have been permission to speak about her
> condition? Also, the heath care provider isn't banned from speaking
> about his employment, just not anything about the patient sitting next
> to him.

Only protected information is covered though. Based on the OP no
information covered in the discussion was protected.

Clay

Re: Cruise Insurance Travel Agent vs. Cruise Co.

> Only protected information is covered though. Based on the OP no
> information covered in the discussion was protected.
>
> Clay

If diagnosis isn't protected, I don't know what is. Statutory law
(HIPAA and other federal and state statutes), common law and medical
profession ethics prohibit a practitioner from revealing any
information about the health of a patient to any person...even a
family member...without the patient's express permission. We have to
assume that because the patient was sitting right there, she consented
to the nurse telling all to the OP; otherwise, he violated legal and
ethical rules.

Diana Ball
Austin, TX

Re: Cruise Insurance Travel Agent vs. Cruise Co.

On Sat, 12 Jul 2008 22:12:58 -0500, Dillon Pyron wrote:

> I've taken quite a few hip x-rays already in my budding career. Most
> of them of women (although some men). Most of the trauma incidents
> were due to falls, and all the women were over 70. But a fall is
> still a pretty serious insult to the body.

Serious enough that the results of it can be life threatening. There is
a definitive relation between hip/femur fractures and the quickening of
death in women over 7x.
--
* w w w .bushflash . com /idiot.html

Re: Cruise Insurance Travel Agent vs. Cruise Co.

Chrissy Cruiser wrote:
> On Sat, 12 Jul 2008 22:12:58 -0500, Dillon Pyron wrote:
>
>> I've taken quite a few hip x-rays already in my budding career. Most
>> of them of women (although some men). Most of the trauma incidents
>> were due to falls, and all the women were over 70. But a fall is
>> still a pretty serious insult to the body.
>
> Serious enough that the results of it can be life threatening. There is
> a definitive relation between hip/femur fractures and the quickening of
> death in women over 7x.

Of elderly women who fall and break a hip, 50% die within a year of the
break.

-- deleted messages --