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Post Subject:
Cruise Insurance Travel Agent vs. Cruise Co.
Re: Cruise Insurance Travel Agent vs. Cruise Co.
Chrissy Cruiser wrote:
>> Of elderly women who fall and break a hip, 50% die within a year of the
>> break.
>
> Which leads to the second part, why? I have asked, never gotten anything
> but opinion.
Probably the injury stressing all the other body systems and
exacerbating problems which may have already been present or perhaps
impending anyway....?
Chrissy Cruiser wrote:
>> Of elderly women who fall and break a hip, 50% die within a year of the
>> break.
>
> Which leads to the second part, why? I have asked, never gotten anything
> but opinion.
Probably the injury stressing all the other body systems and
exacerbating problems which may have already been present or perhaps
impending anyway....?
Reply from: -- messaggio eliminato --
Date: 24 Jul 2008, 19:29
-- deleted messages --
Re: Cruise Insurance Travel Agent vs. Cruise Co.
[Default] Thus spake Chrissy Cruiser <chrissycruiser@gmail,com >:
>On Tue, 15 Jul 2008 15:51:56 -0400, Goomba wrote:
>
>> 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.
>
>Which leads to the second part, why? I have asked, never gotten anything
>but opinion.
A hip fracture in an older person (I'm 52 and have suddenly changed my
opinion on what "older" means since I started getting crap from AARP)
can lay them up for quite a while, possibly months, although modern
rehab theory is changing that. Laying in bed for six weeks can result
in various circulatory difficulties.
In addition, they are quite painful from what I've seen. Extreme pain
can lead to depression, which appears to lower the immune response
system and also the "will to live".
[Default] Thus spake Chrissy Cruiser <chrissycruiser@gmail,com >:
>On Tue, 15 Jul 2008 15:51:56 -0400, Goomba wrote:
>
>> 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.
>
>Which leads to the second part, why? I have asked, never gotten anything
>but opinion.
A hip fracture in an older person (I'm 52 and have suddenly changed my
opinion on what "older" means since I started getting crap from AARP)
can lay them up for quite a while, possibly months, although modern
rehab theory is changing that. Laying in bed for six weeks can result
in various circulatory difficulties.
In addition, they are quite painful from what I've seen. Extreme pain
can lead to depression, which appears to lower the immune response
system and also the "will to live".
Re: Cruise Insurance Travel Agent vs. Cruise Co.
Dillon Pyron wrote:
> A hip fracture in an older person (I'm 52 and have suddenly changed my
> opinion on what "older" means since I started getting crap from AARP)
> can lay them up for quite a while, possibly months, although modern
> rehab theory is changing that. Laying in bed for six weeks can result
> in various circulatory difficulties.
>
> In addition, they are quite painful from what I've seen. Extreme pain
> can lead to depression, which appears to lower the immune response
> system and also the "will to live".
Remember when being 50 meant you were old? lol
Dillon I just wanted to say that I appreciate your comments here and in
rec.scuba. I still read that newsgroup but I stopped posting messages
there a few years ago. After all, I do not own a gun or anything. lol
Becca
Dillon Pyron wrote:
> A hip fracture in an older person (I'm 52 and have suddenly changed my
> opinion on what "older" means since I started getting crap from AARP)
> can lay them up for quite a while, possibly months, although modern
> rehab theory is changing that. Laying in bed for six weeks can result
> in various circulatory difficulties.
>
> In addition, they are quite painful from what I've seen. Extreme pain
> can lead to depression, which appears to lower the immune response
> system and also the "will to live".
Remember when being 50 meant you were old? lol
Dillon I just wanted to say that I appreciate your comments here and in
rec.scuba. I still read that newsgroup but I stopped posting messages
there a few years ago. After all, I do not own a gun or anything. lol
Becca
Re: Cruise Insurance Travel Agent vs. Cruise Co.
[Default] Thus spake Becca <beccaNospam@hal-pc.organ>:
>Dillon Pyron wrote:
>
>> A hip fracture in an older person (I'm 52 and have suddenly changed my
>> opinion on what "older" means since I started getting crap from AARP)
>> can lay them up for quite a while, possibly months, although modern
>> rehab theory is changing that. Laying in bed for six weeks can result
>> in various circulatory difficulties.
>>
>> In addition, they are quite painful from what I've seen. Extreme pain
>> can lead to depression, which appears to lower the immune response
>> system and also the "will to live".
>
>Remember when being 50 meant you were old? lol
>
>Dillon I just wanted to say that I appreciate your comments here and in
>rec.scuba. I still read that newsgroup but I stopped posting messages
>there a few years ago. After all, I do not own a gun or anything. lol
Have you fed anyone to a gator recently?
>
>Becca
[Default] Thus spake Becca <beccaNospam@hal-pc.organ>:
>Dillon Pyron wrote:
>
>> A hip fracture in an older person (I'm 52 and have suddenly changed my
>> opinion on what "older" means since I started getting crap from AARP)
>> can lay them up for quite a while, possibly months, although modern
>> rehab theory is changing that. Laying in bed for six weeks can result
>> in various circulatory difficulties.
>>
>> In addition, they are quite painful from what I've seen. Extreme pain
>> can lead to depression, which appears to lower the immune response
>> system and also the "will to live".
>
>Remember when being 50 meant you were old? lol
>
>Dillon I just wanted to say that I appreciate your comments here and in
>rec.scuba. I still read that newsgroup but I stopped posting messages
>there a few years ago. After all, I do not own a gun or anything. lol
Have you fed anyone to a gator recently?
>
>Becca
Reply from: -- messaggio eliminato --
Date: 24 Jul 2008, 19:30
-- deleted messages --
Re: Cruise Insurance Travel Agent vs. Cruise Co.
On Jul 12, 11:12 pm, Dillon Pyron <invaliddmpy...@austin.rr,com >
wrote:
> [Default] Thus spake Nonnymus <nob...@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.
On Call (On Call International) is the name of a travelers assistance
company that is located in New Hampshire. They provide the 24/7
emergency assistance services. That service is found in all travel
insurance plans and On Call is one of several companies that
specialize in that type of service. One of the provisions in travel
insurance policies is that if a traveler needs an "emergency medical
evacuation" than the 24/7 assistance company acts as the gate keeper
and all arrangements are made by them.
On Jul 12, 11:12 pm, Dillon Pyron <invaliddmpy...@austin.rr,com >
wrote:
> [Default] Thus spake Nonnymus <nob...@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.
On Call (On Call International) is the name of a travelers assistance
company that is located in New Hampshire. They provide the 24/7
emergency assistance services. That service is found in all travel
insurance plans and On Call is one of several companies that
specialize in that type of service. One of the provisions in travel
insurance policies is that if a traveler needs an "emergency medical
evacuation" than the 24/7 assistance company acts as the gate keeper
and all arrangements are made by them.
Re: Cruise Insurance Travel Agent vs. Cruise Co.
Carol,
There has been a lot of information generated by your original question,
some of it little more than personal opinions and at bit off target, but
most offering some valuable advice. As the owner of a cruise agency and an
agent myself, we always suggest to our client that they should definitely
get some type of travel insurance. Those that opt not too, are in our
opinion, simply trying to be penny wise, but may easily end up pound foolish
in the long run. It is always better to be safe rather than sorry, and the
cost to do so is not out of line considering the piece of mind one will
have. Remember, like car insurance, you can't go out shopping for insurance
the day after you have an accident and/or incident.
However, your original question actually was... should one get the cruise
line insurance or private cruise travel insurance? We personally can't give
a blanket or generic answer to that. It all depends on the clients, their
needs, the cruise line, the itinerary, etc. Many times, what the cruise
line offers is fine. Other times, if more and/or additional or other
coverage is needed, we start by having our clients look at Travel Guard
insurance. We are well aware that there are other private travel insurance
companies out there as well, but as agents, it is also our job to provide
recombinations based on our experience, the clients needs, and their budget
of course. Our goal in to make it easy on them, not simply point them to a
bunch of confusing comparisons. Likewise, in most cases, price is not their
governing factor anyway, but getting valve for the dollar, and the right
coverage, is.
Happy sailing...
John Sisker - SHIP-TO-SHORE CRUISE AGENCY (sm)
(714) 536-3850 or toll-free at (800) 724-6644 & (Agency ID: 714.536.3850)
www .shiptoshorecruise,com
Carol,
There has been a lot of information generated by your original question,
some of it little more than personal opinions and at bit off target, but
most offering some valuable advice. As the owner of a cruise agency and an
agent myself, we always suggest to our client that they should definitely
get some type of travel insurance. Those that opt not too, are in our
opinion, simply trying to be penny wise, but may easily end up pound foolish
in the long run. It is always better to be safe rather than sorry, and the
cost to do so is not out of line considering the piece of mind one will
have. Remember, like car insurance, you can't go out shopping for insurance
the day after you have an accident and/or incident.
However, your original question actually was... should one get the cruise
line insurance or private cruise travel insurance? We personally can't give
a blanket or generic answer to that. It all depends on the clients, their
needs, the cruise line, the itinerary, etc. Many times, what the cruise
line offers is fine. Other times, if more and/or additional or other
coverage is needed, we start by having our clients look at Travel Guard
insurance. We are well aware that there are other private travel insurance
companies out there as well, but as agents, it is also our job to provide
recombinations based on our experience, the clients needs, and their budget
of course. Our goal in to make it easy on them, not simply point them to a
bunch of confusing comparisons. Likewise, in most cases, price is not their
governing factor anyway, but getting valve for the dollar, and the right
coverage, is.
Happy sailing...
John Sisker - SHIP-TO-SHORE CRUISE AGENCY (sm)
(714) 536-3850 or toll-free at (800) 724-6644 & (Agency ID: 714.536.3850)
www .shiptoshorecruise,com
Re: Cruise Insurance Travel Agent vs. Cruise Co.
Normally, your auto insurance company will offer trip insurance that will
cover your trip for damages to luggage or contents as well as lost baggage.
You health provider probably has a short-term rider that can be added to
your health insurance for a nominal fee.
In other words you can get a health rider from your insurer for a two week
or 30 day period that will cover you no matter where you are.
My wife works for the insurance compay that we have our health insurance
with and they cover her and me no matter where in the world we are so we
don't need any additional coverage.
We always take the Princess insurance for the trip part of it because it is
cheaper than the trip insurance we can get from our auto insurance provider.
Plus the fact we have the bonue of getting deluxe coverage for the basic
price.
Normally, your auto insurance company will offer trip insurance that will
cover your trip for damages to luggage or contents as well as lost baggage.
You health provider probably has a short-term rider that can be added to
your health insurance for a nominal fee.
In other words you can get a health rider from your insurer for a two week
or 30 day period that will cover you no matter where you are.
My wife works for the insurance compay that we have our health insurance
with and they cover her and me no matter where in the world we are so we
don't need any additional coverage.
We always take the Princess insurance for the trip part of it because it is
cheaper than the trip insurance we can get from our auto insurance provider.
Plus the fact we have the bonue of getting deluxe coverage for the basic
price.
Re: Cruise Insurance Travel Agent vs. Cruise Co.
On Jul 6, 10:11 pm, "Jr." <myo...@hi,com > wrote:
> Normally, your auto insurance company will offer trip insurance that will
> cover your trip for damages to luggage or contents as well as lost baggage.
>
> You health provider probably has a short-term rider that can be added to
> your health insurance for a nominal fee.
>
> In other words you can get a health rider from your insurer for a two week
> or 30 day period that will cover you no matter where you are.
>
> My wife works for the insurance compay that we have our health insurance
> with and they cover her and me no matter where in the world we are so we
> don't need any additional coverage.
>
> We always take the Princess insurance for the trip part of it because it is
> cheaper than the trip insurance we can get from our auto insurance provider.
> Plus the fact we have the bonue of getting deluxe coverage for the basic
> price.
Unfortunately, this is not valid information in the USA. First auto
policies will not protect your personal effects while you are on a
cruise. Most auto policies will cover rental cars if they are rented
in the USA however, they will only cover you to the same extent that
your own car would be covered in the event of damage to the car and
than only if it's rented in the USA. If any of your own insurance
will cover personal effects it's your home owners insurance and then
it will cover it only to the same extent if the loss occured at home.
In other words if you have a limited peril home owners policy with a
$500 deductible than you will only be covered for those limited perils
after the first $500 of loss. Secondly I've never heard of a health
insurance company that will add an additional premium rider to your
policy to cover you outside your service area and the administrative
cost for them to do so would be prohibitive.
On Jul 6, 10:11 pm, "Jr." <myo...@hi,com > wrote:
> Normally, your auto insurance company will offer trip insurance that will
> cover your trip for damages to luggage or contents as well as lost baggage.
>
> You health provider probably has a short-term rider that can be added to
> your health insurance for a nominal fee.
>
> In other words you can get a health rider from your insurer for a two week
> or 30 day period that will cover you no matter where you are.
>
> My wife works for the insurance compay that we have our health insurance
> with and they cover her and me no matter where in the world we are so we
> don't need any additional coverage.
>
> We always take the Princess insurance for the trip part of it because it is
> cheaper than the trip insurance we can get from our auto insurance provider.
> Plus the fact we have the bonue of getting deluxe coverage for the basic
> price.
Unfortunately, this is not valid information in the USA. First auto
policies will not protect your personal effects while you are on a
cruise. Most auto policies will cover rental cars if they are rented
in the USA however, they will only cover you to the same extent that
your own car would be covered in the event of damage to the car and
than only if it's rented in the USA. If any of your own insurance
will cover personal effects it's your home owners insurance and then
it will cover it only to the same extent if the loss occured at home.
In other words if you have a limited peril home owners policy with a
$500 deductible than you will only be covered for those limited perils
after the first $500 of loss. Secondly I've never heard of a health
insurance company that will add an additional premium rider to your
policy to cover you outside your service area and the administrative
cost for them to do so would be prohibitive.
Re: Cruise Insurance Travel Agent vs. Cruise Co.
"john" <john.cook@quotewright,com > wrote in message
news:715acc4f-da62-4ae5-9748-d46d708e75c3@f63g2000hsf.googlegroups,com ...
On Jul 6, 10:11 pm, "Jr." <myo...@hi,com > wrote:
> Normally, your auto insurance company will offer trip insurance that will
> cover your trip for damages to luggage or contents as well as lost
> baggage.
>
> You health provider probably has a short-term rider that can be added to
> your health insurance for a nominal fee.
>
> In other words you can get a health rider from your insurer for a two week
> or 30 day period that will cover you no matter where you are.
>
> My wife works for the insurance compay that we have our health insurance
> with and they cover her and me no matter where in the world we are so we
> don't need any additional coverage.
>
> We always take the Princess insurance for the trip part of it because it
> is
> cheaper than the trip insurance we can get from our auto insurance
> provider.
> Plus the fact we have the bonue of getting deluxe coverage for the basic
> price.
Unfortunately, this is not valid information in the USA. First auto
policies will not protect your personal effects while you are on a
cruise. Most auto policies will cover rental cars if they are rented
in the USA however, they will only cover you to the same extent that
your own car would be covered in the event of damage to the car and
than only if it's rented in the USA. If any of your own insurance
will cover personal effects it's your home owners insurance and then
it will cover it only to the same extent if the loss occured at home.
In other words if you have a limited peril home owners policy with a
$500 deductible than you will only be covered for those limited perils
after the first $500 of loss. Secondly I've never heard of a health
insurance company that will add an additional premium rider to your
policy to cover you outside your service area and the administrative
cost for them to do so would be prohibitive.
First of all, I did not say your auto policy covered it. I said that your
auto insurance agent sold trip insurance.
Second of all, I talked to my wife about health insurance policies not
covering a person outside of the USA and she has been in the business for
over 30 years and she has never heard of such a thing. The policy covers you
wherever you are as long as you are not doing something the policy
specifically states is not covered such as skydiving or parasailing.
"john" <john.cook@quotewright,com > wrote in message
news:715acc4f-da62-4ae5-9748-d46d708e75c3@f63g2000hsf.googlegroups,com ...
On Jul 6, 10:11 pm, "Jr." <myo...@hi,com > wrote:
> Normally, your auto insurance company will offer trip insurance that will
> cover your trip for damages to luggage or contents as well as lost
> baggage.
>
> You health provider probably has a short-term rider that can be added to
> your health insurance for a nominal fee.
>
> In other words you can get a health rider from your insurer for a two week
> or 30 day period that will cover you no matter where you are.
>
> My wife works for the insurance compay that we have our health insurance
> with and they cover her and me no matter where in the world we are so we
> don't need any additional coverage.
>
> We always take the Princess insurance for the trip part of it because it
> is
> cheaper than the trip insurance we can get from our auto insurance
> provider.
> Plus the fact we have the bonue of getting deluxe coverage for the basic
> price.
Unfortunately, this is not valid information in the USA. First auto
policies will not protect your personal effects while you are on a
cruise. Most auto policies will cover rental cars if they are rented
in the USA however, they will only cover you to the same extent that
your own car would be covered in the event of damage to the car and
than only if it's rented in the USA. If any of your own insurance
will cover personal effects it's your home owners insurance and then
it will cover it only to the same extent if the loss occured at home.
In other words if you have a limited peril home owners policy with a
$500 deductible than you will only be covered for those limited perils
after the first $500 of loss. Secondly I've never heard of a health
insurance company that will add an additional premium rider to your
policy to cover you outside your service area and the administrative
cost for them to do so would be prohibitive.
First of all, I did not say your auto policy covered it. I said that your
auto insurance agent sold trip insurance.
Second of all, I talked to my wife about health insurance policies not
covering a person outside of the USA and she has been in the business for
over 30 years and she has never heard of such a thing. The policy covers you
wherever you are as long as you are not doing something the policy
specifically states is not covered such as skydiving or parasailing.
Re: Cruise Insurance Travel Agent vs. Cruise Co.
[Default] Thus spake "Jr." <myohmy@hi,com >:
>
>"john" <john.cook@quotewright,com > wrote in message
>news:715acc4f-da62-4ae5-9748-d46d708e75c3@f63g2000hsf.googlegroups,com ...
>On Jul 6, 10:11 pm, "Jr." <myo...@hi,com > wrote:
>> Normally, your auto insurance company will offer trip insurance that will
>> cover your trip for damages to luggage or contents as well as lost
>> baggage.
>>
>> You health provider probably has a short-term rider that can be added to
>> your health insurance for a nominal fee.
>>
>> In other words you can get a health rider from your insurer for a two week
>> or 30 day period that will cover you no matter where you are.
>>
>> My wife works for the insurance compay that we have our health insurance
>> with and they cover her and me no matter where in the world we are so we
>> don't need any additional coverage.
>>
>> We always take the Princess insurance for the trip part of it because it
>> is
>> cheaper than the trip insurance we can get from our auto insurance
>> provider.
>> Plus the fact we have the bonue of getting deluxe coverage for the basic
>> price.
>
>Unfortunately, this is not valid information in the USA. First auto
>policies will not protect your personal effects while you are on a
>cruise. Most auto policies will cover rental cars if they are rented
>in the USA however, they will only cover you to the same extent that
>your own car would be covered in the event of damage to the car and
>than only if it's rented in the USA. If any of your own insurance
>will cover personal effects it's your home owners insurance and then
>it will cover it only to the same extent if the loss occured at home.
>In other words if you have a limited peril home owners policy with a
>$500 deductible than you will only be covered for those limited perils
>after the first $500 of loss. Secondly I've never heard of a health
>insurance company that will add an additional premium rider to your
>policy to cover you outside your service area and the administrative
>cost for them to do so would be prohibitive.
>
>First of all, I did not say your auto policy covered it. I said that your
>auto insurance agent sold trip insurance.
>
>Second of all, I talked to my wife about health insurance policies not
>covering a person outside of the USA and she has been in the business for
>over 30 years and she has never heard of such a thing. The policy covers you
>wherever you are as long as you are not doing something the policy
>specifically states is not covered such as skydiving or parasailing.
>
I've heard of plenty of policies that offer only limited regional
coverage. One I can immediately think of is the policy afforded UAW
members by GM, which until a few years ago only covered them in the US
and Canada.
And my health coverage covers me for any activity, including
skydiving, parasailing or scuba diving. Or even the incredibly risky
bike riding down Hale'akala. By life policy covers scuba, as long as
I'm not teaching and not diving below 110 ft.
[Default] Thus spake "Jr." <myohmy@hi,com >:
>
>"john" <john.cook@quotewright,com > wrote in message
>news:715acc4f-da62-4ae5-9748-d46d708e75c3@f63g2000hsf.googlegroups,com ...
>On Jul 6, 10:11 pm, "Jr." <myo...@hi,com > wrote:
>> Normally, your auto insurance company will offer trip insurance that will
>> cover your trip for damages to luggage or contents as well as lost
>> baggage.
>>
>> You health provider probably has a short-term rider that can be added to
>> your health insurance for a nominal fee.
>>
>> In other words you can get a health rider from your insurer for a two week
>> or 30 day period that will cover you no matter where you are.
>>
>> My wife works for the insurance compay that we have our health insurance
>> with and they cover her and me no matter where in the world we are so we
>> don't need any additional coverage.
>>
>> We always take the Princess insurance for the trip part of it because it
>> is
>> cheaper than the trip insurance we can get from our auto insurance
>> provider.
>> Plus the fact we have the bonue of getting deluxe coverage for the basic
>> price.
>
>Unfortunately, this is not valid information in the USA. First auto
>policies will not protect your personal effects while you are on a
>cruise. Most auto policies will cover rental cars if they are rented
>in the USA however, they will only cover you to the same extent that
>your own car would be covered in the event of damage to the car and
>than only if it's rented in the USA. If any of your own insurance
>will cover personal effects it's your home owners insurance and then
>it will cover it only to the same extent if the loss occured at home.
>In other words if you have a limited peril home owners policy with a
>$500 deductible than you will only be covered for those limited perils
>after the first $500 of loss. Secondly I've never heard of a health
>insurance company that will add an additional premium rider to your
>policy to cover you outside your service area and the administrative
>cost for them to do so would be prohibitive.
>
>First of all, I did not say your auto policy covered it. I said that your
>auto insurance agent sold trip insurance.
>
>Second of all, I talked to my wife about health insurance policies not
>covering a person outside of the USA and she has been in the business for
>over 30 years and she has never heard of such a thing. The policy covers you
>wherever you are as long as you are not doing something the policy
>specifically states is not covered such as skydiving or parasailing.
>
I've heard of plenty of policies that offer only limited regional
coverage. One I can immediately think of is the policy afforded UAW
members by GM, which until a few years ago only covered them in the US
and Canada.
And my health coverage covers me for any activity, including
skydiving, parasailing or scuba diving. Or even the incredibly risky
bike riding down Hale'akala. By life policy covers scuba, as long as
I'm not teaching and not diving below 110 ft.
Re: Cruise Insurance Travel Agent vs. Cruise Co.
On Jul 7, 11:30 am, "Jr." <myo...@hi,com > wrote:
> "john" <john.c...@quotewright,com > wrote in message
>
> news:715acc4f-da62-4ae5-9748-d46d708e75c3@f63g2000hsf.googlegroups,com ...
> On Jul 6, 10:11 pm, "Jr." <myo...@hi,com > wrote:
>
>
>
>
>
> > Normally, your auto insurance company will offer trip insurance that will
> > cover your trip for damages to luggage or contents as well as lost
> > baggage.
>
> > You health provider probably has a short-term rider that can be added to
> > your health insurance for a nominal fee.
>
> > In other words you can get a health rider from your insurer for a two week
> > or 30 day period that will cover you no matter where you are.
>
> > My wife works for the insurance compay that we have our health insurance
> > with and they cover her and me no matter where in the world we are so we
> > don't need any additional coverage.
>
> > We always take the Princess insurance for the trip part of it because it
> > is
> > cheaper than the trip insurance we can get from our auto insurance
> > provider.
> > Plus the fact we have the bonue of getting deluxe coverage for the basic
> > price.
>
> Unfortunately, this is not valid information in the USA. First auto
> policies will not protect your personal effects while you are on a
> cruise. Most auto policies will cover rental cars if they are rented
> in the USA however, they will only cover you to the same extent that
> your own car would be covered in the event of damage to the car and
> than only if it's rented in the USA. If any of your own insurance
> will cover personal effects it's your home owners insurance and then
> it will cover it only to the same extent if the loss occured at home.
> In other words if you have a limited peril home owners policy with a
> $500 deductible than you will only be covered for those limited perils
> after the first $500 of loss. Secondly I've never heard of a health
> insurance company that will add an additional premium rider to your
> policy to cover you outside your service area and the administrative
> cost for them to do so would be prohibitive.
>
> First of all, I did not say your auto policy covered it. I said that your
> auto insurance agent sold trip insurance.
>
> Second of all, I talked to my wife about health insurance policies not
> covering a person outside of the USA and she has been in the business for
> over 30 years and she has never heard of such a thing. The policy covers you
> wherever you are as long as you are not doing something the policy
> specifically states is not covered such as skydiving or parasailing.- Hide quoted text -
>
> - Show quoted text -
Your wife is right about traditional insurance however, hmo's and
ppo's will restrict coverage because you are going outside your
service area. However, I've never heard of any health insurance
company offering to extend coverage coverage as was suggested
earlier. Also most auto insurance agents don't sell trip insurance
and most auto insurance companies don't underwrite it.
On Jul 7, 11:30 am, "Jr." <myo...@hi,com > wrote:
> "john" <john.c...@quotewright,com > wrote in message
>
> news:715acc4f-da62-4ae5-9748-d46d708e75c3@f63g2000hsf.googlegroups,com ...
> On Jul 6, 10:11 pm, "Jr." <myo...@hi,com > wrote:
>
>
>
>
>
> > Normally, your auto insurance company will offer trip insurance that will
> > cover your trip for damages to luggage or contents as well as lost
> > baggage.
>
> > You health provider probably has a short-term rider that can be added to
> > your health insurance for a nominal fee.
>
> > In other words you can get a health rider from your insurer for a two week
> > or 30 day period that will cover you no matter where you are.
>
> > My wife works for the insurance compay that we have our health insurance
> > with and they cover her and me no matter where in the world we are so we
> > don't need any additional coverage.
>
> > We always take the Princess insurance for the trip part of it because it
> > is
> > cheaper than the trip insurance we can get from our auto insurance
> > provider.
> > Plus the fact we have the bonue of getting deluxe coverage for the basic
> > price.
>
> Unfortunately, this is not valid information in the USA. First auto
> policies will not protect your personal effects while you are on a
> cruise. Most auto policies will cover rental cars if they are rented
> in the USA however, they will only cover you to the same extent that
> your own car would be covered in the event of damage to the car and
> than only if it's rented in the USA. If any of your own insurance
> will cover personal effects it's your home owners insurance and then
> it will cover it only to the same extent if the loss occured at home.
> In other words if you have a limited peril home owners policy with a
> $500 deductible than you will only be covered for those limited perils
> after the first $500 of loss. Secondly I've never heard of a health
> insurance company that will add an additional premium rider to your
> policy to cover you outside your service area and the administrative
> cost for them to do so would be prohibitive.
>
> First of all, I did not say your auto policy covered it. I said that your
> auto insurance agent sold trip insurance.
>
> Second of all, I talked to my wife about health insurance policies not
> covering a person outside of the USA and she has been in the business for
> over 30 years and she has never heard of such a thing. The policy covers you
> wherever you are as long as you are not doing something the policy
> specifically states is not covered such as skydiving or parasailing.- Hide quoted text -
>
> - Show quoted text -
Your wife is right about traditional insurance however, hmo's and
ppo's will restrict coverage because you are going outside your
service area. However, I've never heard of any health insurance
company offering to extend coverage coverage as was suggested
earlier. Also most auto insurance agents don't sell trip insurance
and most auto insurance companies don't underwrite it.
