CRUISE HEALTH INSURANCE: PRIMARY VS. SECONDARY
Sometimes cruise emergency medical insurance pays secondary. That means the medical bills go to your health plan first.
They apply deductibles, copays and maximums and pay based on that, and then your cruise insurance can pay what’s left, up to the benefit limit.
However, if your cruise insurance is primary, it will be considered first to pay your emergency medical bills.
This is generally a good thing, because cruise health coverage tends to have fewer deductibles and copays. In many cases, it will probably pay a larger part of your medical expenses, up to the benefit limit.
PRE-EXISTING CONDITIONS
Many cruise health plans restrict how they’ll cover pre-existing conditions, starting with how they define “pre-existing.”
