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Old 02-09-2013, 01:38 AM   #1
DCLMOM13
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PLEASE HELP! Sick kid. Cruise leaves tomorrow.

First, I have DCL insurance.

We arrived here 2 days ago. On the 2nd leg of our flight my daughter started vomiting. We thought it was air sickness. She hasn't stopped vomiting for 2 days. We had disney send a medical person to our room last night. They said its a virus. She was looking Perkier and stopped vomiting yesterday around 11am. Slept all day. Now it's 1-2am and its started again.

No brainier our dream vacation of a lifetime is hooped. Cruise is not happening.

But now I'm freaking out. I just read DCL insurance and I am not sure we are covered. Apparently until 12:01 today (the trip. Departure date) if she was sick and seen by a medical professional it's now a pre-existing condition. Also imagine my shock to find out this insurance only covers costs for the cruise only. Not our flights,etc like a normal insurance company. I'm quite livid. I have saved 2 years for this $5000 vacation and only the $3200 cruise portion is covered, but with the legal fine print is it? I'm exhausted, crying, can't think straight. I'm stuck with a sick kid at a Disney resort in the middle of the night by myself.
What should I do? Am I going o lose all our hard earned money on this technicality? Any help from people who have been in this situation?
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Old 02-09-2013, 01:55 AM   #2
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So sorry to hear that...poor little thing.

If you did not purchase your air through DCL, then sadly, it is not covered. Hopefully the airline will work with you on getting home for minimal cost.

As for your cruise, call DCL as soon as you know it is a no-go. You still make a claim with their insurer (s/b allianz). If you are denied, DCL will allow you to use your cruise rate towards another date.

Hang in there.. And best wishes for a speedy and full recovery.
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Old 02-09-2013, 05:37 AM   #3
DCLMOM13
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So I'm stuck in Florida with a sick child? What do I do? I'm at a deluxe resort but can't stay here longer budget wise. I can do 100 a night so o I have to move this sick kid to another resort? I'm alone and worried . Any words of encouragement out there? I am leaving the decision until 730am when we planned to get up. I can't believe DCL insurance has screwed me over. I thought they would cover everything. I'm really sad.
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Old 02-09-2013, 06:30 AM   #4
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Old 02-09-2013, 06:32 AM   #5
DCLMOM13
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Am I best to get her to port and let them deny us and go from there? We have private transport so won't get ppl sick on a bus.
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Old 02-09-2013, 06:38 AM   #6
lorimay
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Hey is your little girl feeling this morning?
Has the vomiting stopped?

My heartbreaks for you both.
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Old 02-09-2013, 06:43 AM   #7
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Hope she's feeling better and you have some answers. Things generally look better in the light of day. This is no help to you now but this is why I never buy insurance directly from any cruise line. Their insurance protects themselves and not the customer so much sometimes. Please let us know how things are today.
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Old 02-09-2013, 06:46 AM   #8
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Red face

Fingers crossed for you. I hope you are able to go-even if you end up quarantined in your room it is better than not going.


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Old 02-09-2013, 07:18 AM   #9
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Quote:
Originally Posted by momof2minnies View Post
Fingers crossed for you. I hope you are able to go-even if you end up quarantined in your room it is better than not going.


Linda
I'm going to say actually no to that advice.


I'm so sorry for your troubles and things are bleak when you are stressing by yourself. Is she so well that if she were at home and had school today you'd send her off to school on her own with a kiss on the cheek? Then go try. If not, go down to guest services and talk about moving to another resort. They can help facilitate that. I'm sure someone will help with advice about their experience. DCL isn't going to reimburse or find an entire other vacation but generally they seem to want to get people back out on the boat. You will get there.

Hope your daughter gets well soon and you stay feeling well and you both can rest today.
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Old 02-09-2013, 07:25 AM   #10
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Sending positive thoughts your way

I hope it all works out for you and your daughter feels better soon!!

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Old 02-09-2013, 06:46 AM   #11
DCLMOM13
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Yeah 2 years of saving and screwed over by Disney. I thought they took care of their customers and apparently not. She just had a shower but feeling ill. No vomiting since 11am yesterday but very weak and nauseous. I just don't know what to do? Take her to port and get denied so insurance is easier? Limo is non refundable at this point byway.
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Old 02-09-2013, 06:50 AM   #12
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Quote:
Originally Posted by DCLMOM13 View Post
Yeah 2 years of saving and screwed over by Disney. I thought they took care of their customers and apparently not. She just had a shower but feeling ill. No vomiting since 11am yesterday but very weak and nauseous. I just don't know what to do? Take her to port and get denied so insurance is easier? Limo is non refundable at this point byway.

Has she has any liquids?
She is probably dehydrated, poor baby.
ASk her is she can even try some ice chips.

I have had these horrible bugs so many times.
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Old 02-09-2013, 06:47 AM   #13
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Quote:
Originally Posted by cleophus12 View Post
Hope she's feeling better and you have some answers. Things generally look better in the light of day. This is no help to you now but this is why I never buy insurance directly from any cruise line. Their insurance protects themselves and not the customer so much sometimes. Please let us know how things are today.
I guess I have always had a false sense of security when I have purchased Disney Insurance.
Can you tell me who you choose when you cruise please?
Is it less expensive to purchase away from Disney?

Thanks,
Lori
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Old 02-09-2013, 01:44 PM   #14
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Quote:
Originally Posted by lorimay View Post
I guess I have always had a false sense of security when I have purchased Disney Insurance.
Can you tell me who you choose when you cruise please?
Is it less expensive to purchase away from Disney?

Thanks,
Lori
I did not go with DCL trip insurance. I purchased the "Gold" plan with TravelGuard and it covers everything. Also, you can purchase it after you have made your final cruise payment, unlike DCL where they require you to purchase on or before your final payment date. It is reasonably priced, especially considering the high cost of a Disney cruise...and Bonus: There is no cost to insure kids!
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Old 02-12-2013, 04:20 PM   #15
TDC Nala
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You do not have to take the child to port to get insurance denied. File a claim and let them deny you. Then you will have a credit for a future cruise. If she is very sick and she has a virus that could be communicated to others you are correct in not taking her on the cruise. And I think you were misunderstanding what a pre-existing condition is. I think the condition has to exist prior to your purchasing the insurance policy. Depends on the policy itself though.

This won't help you with airfare as you apparently have a policy that does not cover airfare. But at least you have some recourse with the insurance you have.

Not sure why the child couldn't be taken to a hospital. They'll get an ambulance. I had to have one once.

heck it appears there are 2 separate mothers with very sick children at WDW on this thread. Or someone using two separate screennames. and if there are two children, one is sixteen.
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