Q: I recently took a Mediterranean cruise on Oceania’s MS Marina. I bought Allianz Global Assistance trip insurance through my travel agent, and paid $789 for coverage for me and my wife. The travel insurance includes $25,000 medical coverage.
Three days before the cruise ended, I awoke shivering with a temperature of 103 degrees. The ship’s medical staff treated me with IV antibiotics and other medications, and gave me a chest X-ray. I was in the sick bay for two days.
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I am over 65 and have Medicare health insurance, which does not cover anything outside the U.S. That is one main reason I bought the trip insurance. I sent the medical records and invoice from Oceania to Allianz once I returned from my cruise and started a claim. After two weeks, I called and chatted with Allianz online and was told that the claim was still under review.