Joyce Kettle, 74, a great grandmother from Blyth, Northumberland, was been hit with a £50,000 bill for an airlift to a hospital from the Marella Discovery 2. (according to the Telegraph 31st January 2018 but it is also widely covered).
Now we are in a pandemic, so, it can be of no surprise that Health and Travel Insurance are being checked. We advise that you shop around and read the small print, declare what is required and have them acknowledge what you declare. We can offer a few specialists to help you start your search.
Expect your cruise operator to check your insurance, and carry a photocopy when out on an excursion.
Always have any medical card, EU Medical card or European medical card.
Expect insurance companies to ask for your medical records before they payout. It has always been a condition of booking a cruise that you have cruise valid insurance. Booking a cruise means you are entering and agreeing to a contract and the terms and demands.
Whilst many have previously had an easy ride and got insurance easily, we have had one guest who still could not get cover with three days to go and had to cancel her SAGA cruise.
At Doris Visits we suggest you are correctly insured and that your EHICard (or similar) is up to date. (Yes it has a validity date on!!!)
I intend not to get into an argument with anyone as to the validity of any card, arguments are for barristers to do and judges to rule on. But if you are lifted off a ship, and your partner follows and stays in a foreign hotel while you are in hospital, they may need the EU or equivalent card as they are now in a foreign place. It can get complex. As you leave the hospital and travel home, you may need an EU or similar card. (Similarly, if you are put off a ship after being arrested. Fighting or shoplifting or any crime on a zero-tolerance ship. We think they all are.).
There are some modern complications with the card now we are not in the EU. There is the EHICard. The new UK EHICard and a UK Global Health Insurance Card (UK GHIC).
Or search yourself, or use the actual link. We are not selling ….. (we do write novels, we don’t insure)
Joyce apparently had free BANK TRAVEL INSURANCE THAT INCLUDED CRUISE – apparently, it was not enough.
Here we suggest every detail is checked. Verbally is not enough for these sums of money, get the document, read it, check you have the following at least written in your terms.
- Ability to Cruise i.e. – specific cruise insurance
- For the length of the cruise
- For the place that you are going to cruise to (and maybe lifted off to) – and the Americas and sometimes the Caribbean may not be covered on general European Cruise Insurance.
- Does the insurance require medical history?
- Does the insurance require the double-jab (and the booster?)
It is that old saying, you get what you pay for. Buy cheap, buy twice.
Some cruisers have avoided cruise insurance. Bought the basic minimum. Never declared their medical history. Taken huge risks.
Now, in the global pandemic, cruise companies, and being specific, you must have the right insurance. Just as you are wise to have snow and ski cover when doing those events, or ensure you are covered if going white water rafting.
Insurance companies insure for what you have asked for, they have agreed, you have paid for.
I am not sure that insurance will form a future cruise crime novel of mine, but you never know. My cruise crime novels are set on real ships and deal with some real and pressing issues, as well as some new things and ideas about where cruising is going. I know they are fiction, but they are based on someone who jumps from ship to ship as a guest employee. Read a cruise while you are at home, or in luxury on the deck. I know a bit about above and below decks, so these major crimes that staff security is ill-equipped to deal with will open up a lot you don’t know about the ship.
CHAT GROUPS – ADULT ONLY