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Broadcasting from the Tripinsurance.com studios in Jacksonville, Florida. This is Cruise Radio.

Hey, what's up? My name is Sunk Parker. Thank you so much for checking out this episode of Cruise Radio. Very happy to have you here, my friend. Coming up on this week show, we'll get a review of Carnival Fascination. They ship that is sailing out of Jacksonville, Florida, doing four and five-night sailings for a little bit than it's relocating. And we're getting Carnival elation here in Jacksonville. So we'll get that fascination review here in just a little bit.

Before we get to our first interview, Cruise Radio News, it's our Cruise Radio Facebook group.

Look us up, join, and join it on the conversation. We'd love to have you.

Also, we're on Snapchat. Look us up at Cruise Radio.

So it's no secret that the winter weather has been complete heck on cruise travel between people missing ships, things happening at sea,

and also people getting sick on ships. So I have the president and CEO of tripinsurance.com on the line to field some of your travel questions. Also going to touch on the Zika virus as well

because a lot of cruise lines passing out warning letters about Zika for people traveling

in the Caribbean in the next 12 months or so. So Dan, it's on the line right now. Dan, are you up for answering some listener questions? Doug, I'm looking forward to helping. Awesome. Let's jump right to it then, Dan. The first one is from Jeff in Tampa. Jeff says, I recently sailed Carnival Breeze and came down with bronchitis. Between breathing treatments, antibiotics,

and doctor visits, I was billed $1,300 and am fighting with my insurance company to cover this

even though I bought a policy through Carnival. Would a trip insurance policy have been different?

Well, Jeff, the payment on travel insurance depends upon when you received

your medical treatments, not when you got sick. So most travel insurance policies will only cover

your medical bills for treatments that you incur while on your trip. Once you get home, your own

home medical plan picks up the cost for medical treatments that occur after your trip.

This is a change in how travel insurance plants are now administered after the Affordable Care Act went into effect.

Before that time, a lot of times they would, if you incurred the problem while you were on

your trip, they would even cover the medical treatments after you got home.

So I can't tell from your question if the treatments that you incurred happen during your trip,

but those would definitely be covered by your travel insurance

and certainly would be covered by any plan on tripinsurance.com.

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