insurance

Is travel insurance the same as travel protection?

Is travel insurance the same as travel protection?
“Travel protection is not travel insurance, but rather it’s a very limited form of trip cancellation coverage that is self-insured by the travel provider,” says John Cook, president of QuoteWright, a provider of travel insurance quotes.

Is everything all included on a cruise?
Are Cruises All Inclusive? Cruises are all-inclusive. Meals, limited drinks and accommodation are all included in the base cruise fare. There are a number of exclusions, alcohol, gratuities, excursions, WiFi and speciality meals usually cost extra.

What is the cheapest month to cruise the Caribbean?
Traditionally, the cheapest months to book a cruise have been January, February, and March, which are also known as “wave season.” The trio of months often welcome industry-wide sales that can extend further than just a reduction on cruise fares.

What is the best currency for Caribbean cruise?
But most widely accepted throughout the Caribbean is the U.S. dollar. It is the legal currency of the U.S. Virgin Islands, the British Virgin Islands, and Puerto Rico, and will be recognized just about anywhere you go. As such, throughout this guide, prices are listed in U.S. dollars.

What is covered in trip interruption?
Trip interruption typically covers pre-paid, non-refundable travel expenses (like flights, hotels, tours, etc.) if you have to end your trip early due to a covered reason.

What’s the difference between refundable and trip protection?
You can get a refund on the refundable ticket for any reason. The trip insurance will only cover a change fee to reschedule the trip due to a covered reason, like illness.

What is to be covered by insurance?
Covered services typically include regular office visits with your doctor, tests, urgent and emergency care, hospital stays, prescription drugs, medical equipment and more. In most cases, your doctor also needs to be on the list of doctors that take your insurance – this list is also called the insurance network.

Can I cancel my cruise if I get COVID?
Guests, and their traveling companions assigned in the same stateroom, who cancel their booking due to testing positive for COVID-19 within 5 days of the date of embarkation are entitled to receive a Future Cruise Credit (FCC) or a refund* for the amount paid to Carnival.

Do I have to pay for all my meals on Royal Caribbean?
Meals from many onboard venues, such as the Main Dining Room and Windjammer Café, are included in the price of your cruise. Reservations are only required for dinner. There is a service charge per person to dine at Chops Grille and Johnny Rockets. Prices are subject to change.

What does semi month mean?
Semi-Monthly basically means the payment is made and received twice a month. Therefore, a total of 24 paychecks a year, if salaried. Typically, it occurs on fixed days like the 1st, 15th, or 30th of the month.

Do you get free water on Royal Caribbean?
Water. Tap water is always free of charge on Royal Caribbean cruises and there are lots of places you can get it on the ship. You can ask for a jug of iced water in any restaurant or get iced water by the glass for free at any bar. Most people say that the tap water on cruise ships tastes better than the water on land.

Can you change a passenger after booking cruise?
You can either remove a Guest from the reservation or cancel the entire reservation (within the cancellation policy) with the app. For further modification, such as changes in date, time or party, you can either cancel and rebook the reservation or visit Guest Services / Relations.

Does Royal Caribbean get cheaper closer to date?
Royal Caribbean will sometimes lower a cruise fare closer to the sail date if demand is low, leading to low prices for those who can sail at the last minute. These last-minute deals tend to be found during shoulder season and on older, smaller cruise ships, but can offer nice savings for those with more flexibility.

What is the difference between insurance and protection plan?
The major difference between the two types of coverage is what they protect. While homeowners insurance plans generally cover the structure of your home, home protection plans do not. Instead, home protection plans cover major systems within your home (e.g. HVAC systems, furnaces, plumbing, electrical, etc.)

Why do you need trip interruption insurance?
Trip Cancellation reimburses you for situations that could force you to cancel your trip before you depart, like your basement flooding or losing your job. Trip Interruption protects you from having to return home suddenly and reimburses you for the unused portion of your trip that you’ve already paid for.

What does trip cancellation sum insured mean?
Trip cancellation coverage – in terms of travel insurance – means that if something goes wrong and you need to cancel your trip due to a covered reason before you head off, you can claim any pre-paid, non-refundable trip costs up to the amount specified in your insurance policy.

What is a good reason to cancel a cruise?
Injury or Illness. Sickness and injury are the top reasons for cancelling a trip. No one enjoys traveling while feeling under the weather. Also, injury may make it impossible to travel, especially on a plane or boat.

Can I bring my own water bottle on Royal Caribbean?
Guests may also bring non-alcoholic beverages as carry-on items on boarding day. Non-alcoholic beverages may not exceed 12 standard (17 oz.) cans, bottles or cartons per stateroom. Milk and distilled water brought on for infant, medical, or dietary use are permitted.

What does semi-monthly mean for benefits?
A semi-monthly pay schedule means pay checks are distributed two times a month, usually on fixed dates such as the 1st and 15th, or the 15th and 30th. However, they may not necessarily fall on the same day of the week, and you would end up paying your employees 24 times in a year instead of 26.

How does semi-monthly work?
A semimonthly payroll is paid twice a month, usually on the 15th and last days of the month. If one of these pay dates falls on a weekend, the payroll is instead paid out on the preceding Friday. A biweekly payroll is paid every other week, usually on a Friday.

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