INTRODUCTION
A lot of people rate Celebrity Cruises as one of the world’s top cruise lines. Their dedication to provide the best possible customer service has brought them several honors throughout the years, including the Best Premium Cruise Line Travvy Award in 2020. In addition to striving to provide its guests with the best cruise experience possible, Celebrity Cruise Lines works hard to protect the environment and improve the world. It is the pride of celebrities to offer sumptuous accommodations where you may “revel in elegant décor.” On board, guests may enjoy world-class entertainment, state-of-the-art spa and fitness centers, casinos, and much more. Celebrity has partnered with internationally renowned chefs, much as many other cruise companies in the modern era. This allowed them to take up the Best Onboard Dining WAVE Award for 2020.
With more than 300 locations across all seven continents, Celebrity tries to satisfy every palate.
Trip Cancellation
The largest concern for travelers is trip cancelation. If you become ill or are inadvertently injured before your trip, you may have to cancel and pay for a new itinerary. For this reason, travel cancellation insurance is a very helpful option if you want to protect your vacation expenses.
Since Celebrity Cruises, not an insurance provider, offers the coverage and manages any claims, the trip cancellation benefit contained in the policy is a non-insurance benefit. Their plans provide for the following explanations for cancellation:
1. An unexpected family member or visitor’s sickness, accident, or demise.
2. A house rendered uninhabitable by a fire, flood, natural disaster, or burglary
3. Insolvency or failure of the travel vendor or common carrier
4. Cancel Due to Work-Related Circumstances (traveler must work throughout trip)
5. A move of at least 250 miles that the employer arranges
6. A location where a fire, flood, or other natural disaster has left it uninhabitable or inaccessible
7. A normal carrier’s mechanical failure
8. While departing, a traveler was hurt in an accident.
9. Mandatory departure
10. Cyclones
11. Documented identity theft of passports or visas
12. Jury duty or subpoena.
Celebrity CruiseCare Travel Protection will pay you in full if you have to cancel due to a covered cause; however, their Cancel For Any Reason coverage only pays out 90% in the form of future cruise credits—not cash. Moreover, their security policies do not cover any travel arrangements you make outside of your cruise, such as flights and transfers.
All of your travel arrangements are protected by the Trawick First Class and Trawick First Class (CFAR 75 percent) policies, regardless of where you book your trip. Additionally, they both provide a long range of covered reasons, including the need to cancel due to COVID-19, a 100% return for canceled covered trips, and a 15% reimbursement for interrupted covered trips (more on this below).
Journey Disrupted
A trip interruption is an occurrence that occurs while you are traveling and keeps you from spending all or a portion of your vacation. Coverage for trip interruption and cancellation in case something goes wrong while you’re away.
The most common causes of traveler sickness or injury are delays in travel. If you are unlucky enough to get sick or wounded while on vacation and are able to continue traveling after obtaining treatment, your trip interruption benefit in travel insurance will repay the amount of your trip that you did not utilize and will also cover the cost for you to rejoin the trip while it is still in process.
The sudden loss or serious illness of a family member is also covered for travel interruption. If your covered scenario requires it, Trip Interruption also covers the additional costs associated with leaving early and the unused portion of the trip.
Under the Celebrity CruiseCare Travel Protection insurance coverage, trip interruption benefits include up to 150 percent of the entire trip cost in the event that you have to cancel for a covered cause. That amount includes a reimbursement for any unutilized travel charges in addition to the additional cost of traveling back home.
Travel insurance policies like the Trawick First Class cover up to 150 percent of trip costs in the event of a disruption. Consequently, they bear the whole cost of any costs that are not used in addition to an additional 50% to cover the cost of transportation back home.
Refund for Any Purpose:
Return for Any Purpose Cruise insurance gives passengers the most freedom and a refund if they have to cancel for any reason not specified in the policy schedule.
If you must cancel your reservation, 90% of the pre-paid, non-refundable cancellation costs you paid to Celebrity will be transferred to future cruise credits.
travel for a purpose that is not included in their policy. However, cruise credits have a one-year expiration date, are non-transferable, and are not refundable. Keep in mind that while Celebrity’s insurance coverage does not include this aspect of the CruiseCare Travel Protection, it does. A 90% CFAR cruise credit sounds good, but how well you use it will determine how much it is worth. Since future credits may not be used and may ultimately expire, we often prefer cash refunds. Cash does not have an expiry date!
Alternatively, all booked, non-refundable travel expenses (including those paid outside of Celebrity Cruises) if your travel insurance includes cancellation for any reason, such as Trawick First Class. This can include travel, accommodation, car rentals, excursions, and transportation.
As you may expect, a Cancel For Any Reason policy has to fulfill a number of standards, but they are rather straightforward to comprehend:
1. You have 10 to 21 days from the date of your first payment or deposit, depending on the kind of insurance you bought, to buy the coverage.
2. Verify that the whole amount of the pre-paid travel charges is not subject to any restrictions or cancellation fees. Purchase travel insurance for the sections of your trip that you have already scheduled within 10 to 21 days (depending on your coverage) if you haven’t finished booking the entire itinerary. You can add to it as you make further journeys.
3. You can cancel your trip up to two days prior to the departure date.
Urgent Care Health Insurance
Having sufficient coverage for medical costs while traveling is one of the most important factors to take into account when selecting trip insurance. Everything may occur at any time, generally when we least expect it to, like an unplanned injury or sudden illness.
If you experience a medical emergency while traveling and do not have sufficient medical insurance coverage while overseas, you may be required to pay significant, unanticipated hospital bills out of pocket. One widespread myth among Americans is that countries that implement universal health care will offer free emergency medical treatment to all of their citizens. Unfortunately, things aren’t like this.
Americans obtain medical care at private hospitals where they must pay the same fees as everyone else, as opposed to public ones. The daily cost of admission for inpatient care in a private hospital might range from $3,000 to $4,000. You’ll also need to budget for the cost of follow-up care, x-rays, operations, and specialists.
One common misconception is that Medicare will pay for hospital stays overseas. Unfortunately, it won’t. Medicare does not cover medical providers outside of the United States. Travel expenses are covered by certain Medicare supplement plans, however typically only cover emergencies and have a low lifetime ceiling or restricted benefits. They could also still insist that you pay for twenty percent of the costs. As a result, you may have the perfect vacation yet end up with medical bills totaling thousands of dollars.
Cruise Insurance It is advised by 101 that international tourists secure travel medical insurance for each passenger that is at least $100,000. We think that $100,000 would protect your retirement savings from a significant, unanticipated financial hardship and pay for all of your medical bills in an emergency.
Celebrity CruiseCare Travel Protection offers a $25,000 prize for medical insurance that covers illness or accident. You can see immediately that Trawick’s First Class insurance is significantly more suitable for making sure you receive the care you require without incurring debt, as it covers $150,000 in medical coverage per person.
Disturbance in Emergency Medicine
There are other aspects of traveling that might be expensive besides travel insurance. You are transported from the scene of your injuries or sickness to the closest hospital by emergency medical evacuation. Once you’re stable enough to be transported, Medical Evacuation takes you home by commercial aircraft or, if necessary, private medical jet.
For each hour of flight time, a medical evacuation trip might cost up to $25,000. Normal health insurance does not cover this. Moreover, the US State Department does not provide medical care or assistance in evacuation to citizens of the United States. According to Cruise Insurance 101, passengers should carry at least $250,000 in Medical Evacuation coverage to ensure they have sufficient insurance to return home from almost anywhere in the globe in the event of a catastrophic medical emergency.
Celebrity CruiseCare Travel Protection includes medical evacuation up to $50,000 per person. By contrast, each individual covered by Trawick First Class insurance is eligible for a $1,000,000 medical evacuation. $50,000 may seem like a lot of coverage at first, but when one takes into account the possible costs of emergency evacuation and the much higher levels of coverage provided by a fully comprehensive travel insurance plan, the Celebrity CruiseCare Travel Protection plan starts to seem a little shallow in the event of a catastrophic event.
Previous Health Issues
For senior travelers, pre-existing medical conditions can be a big cause of concern. You are considered to have a pre-existing medical condition if you have received medical care, testing, medication modifications, additions of new drugs, or recommendations for treatments or tests that have not yet been performed. Travel insurance policies usually do not cover pre-existing conditions unless you purchase the policy within the required time limit following the date of your original trip deposit (referred to as the Time Sensitive Period). whether not, the insurer will look back 60, 90, or even 180 days (depending on the policy) from the day you obtained the insurance to determine whether there are any pre-existing medical conditions they won’t cover. This is known as the Look Back Period. Any pre-Look Back Period health conditions that have not improved or stabilized.
Travel insurance coverage sometimes do not cover pre-existing medical condition claims, which arise when you need to postpone, cancel, or seek medical assistance while traveling. However, if you buy the coverage within a few days of the date of your first trip payment or deposit, many plans include a pre-existing condition waiver. Because of this, there is no lookback period and pre-existing conditions are covered. Moreover, the pre-existing condition waiver is included free of charge in the majority of Cruise Insurance 101 policies. Purchasing the plan before the deadline is all that is required to receive the additional protection.
The CruiseCare Travel Pre-existing Conditions are covered by protection as long as:
1. Your payment for this plan is received within the Time Sensitive Period, which is 14 days following the Initial Trip Payment.
2. You promise to pay the full cost of any travel plans that are subject to cancellation penalties.
3. Neither you nor the individual with the pre-existing disease are barred from traveling when you pay for this plan, and
4. The entire cost of each person’s vacation does not exceed $15,000. Your payment for this plan is received within the Time Sensitive Period, which is 14 days following the Initial Trip Payment.
5. You promise to pay the full cost of any travel plans that are subject to cancellation penalties.
6. Neither you nor the individual with the pre-existing disease are barred from traveling when you pay for this plan, and
7. The entire cost of each person’s vacation does not exceed $15,000.
The Trawick First Class insurance also covers pre-existing medical conditions, and the same 14-day time sensitive period applies. Moreover, the Trawick policy does not have a trip cost restriction.
Price and Value
We think that compared to competing products on the more expansive travel insurance market, Celebrity’s CruiseCare Travel Protection plans are more costly and provide less coverage. In the case of a serious sickness or accident, we think that the $50,000 medical evacuation coverage plus the $25,000 medical insurance coverage might not be enough. We think that their cancelation procedures are very stringent. Furthermore, we see that selecting the Cancel For Any Reason option results in far higher insurance costs despite offering future trip credits that have a one-year expiration date. We believe that it offers minimal value for the money overall.
However, after doing some comparison shopping, we found that a Trawick First Class coverage typically costs $354.20. Better medical and evacuation coverage, a long list of acceptable cancellation reasons, 100% travel expense recovery for qualified cancellations, and 15% compensation for approved trip interruptions are all included.
Choosing the CruiseCare Travel Protection plan with Cancel For Any Reason offered the best value. If you select their Cancel For Any Reason option, they will definitely reimburse 90% of the cost, but instead of a cash refund, you will only get a future cruise credit usable for up to a year. Again, through comparison shopping, we found the Trawick First Class (CFAR 75 percent) coverage for $602.14. It includes $150,000 in medical insurance and a substantial $1,000,000 for medical evacuation. It also has a Cancel For Any Reason provision that, instead of giving you future cruise credit, reimburses 75% of your trip costs in cash. It provides significantly superior coverage levels than Celebrity’s policy at a reduced cost.inesses may make well-informed decisions to effectively manage their payroll obligations and ensure long-term financial health.
