Mesothelioma is a form of cancer which occurs in thin membranes (called the mesothelium) lining the chest, lungs, abdomen and sometimes the heart. Although quite rare, mesothelioma symptoms strike more than 200 people each year in the United States. The majority of mesothelioma cases are directly linked to asbestos exposure.
Because of the long latency period of mesothelioma, the average age of patients is between 50 and 70 years. Mesothelioma affects men most due to the high exposure of asbestos in industrial typed jobs. Mesothelioma symptoms include respiratory problems, shortness of breath, continual cough and pneumonia. Other mesothelioma symptoms include weight loss, abdominal problems and swelling. In some mesothelioma patients, the mesothelioma symptoms are quite muted, making it hard for mesothelioma doctors to diagnose.
Mesothelioma doctors specialize in the study, research, and treatments of Mesothelioma cancers.
Mesothelioma (or the cancer of the mesothelium) is a disease in which cells become abnormal and replicate without control. During Mesothelioma, these cells will invade and damage tissues and organs. Mesothelioma cancer cells can spread throughout the body causing death.
Mesothelioma treatments and Mesothelioma clinical trials and tests
There are many mesothelioma treatment options available. Treatments include surgery, radiation therapy and chemotherapy and the mesothelioma treatment depends on the patient’s age, general health and stage of the cancer. There has been much mesothelioma research conducted throughout the past two years to find new treatment methods. Click here to read more about mesothelioma treatment techniques.
Through mesothelioma research, The National Cancer Institute has sponsored mesothelioma tests and clinical trials that are designed to find new treatment methods. Because of the increase in number of mesothelioma cases in the United States, both governments have increased funding for mesothelioma research. Mesothelioma research and clinical trials have been successful in developing new techniques to fight this cancer and the outlook for more advanced mesothelioma treatments is promising.
Surgery is the most common treatment method for malignant mesothelioma. Tissues and linings affected by mesothelioma are removed by the doctor and may include the lung or even diaphragm.
A second mesothelioma treatment method is radiation therapy through the use of high energy x-rays that kill the cancer cells. Radiation therapy can be outside or inside the body.
A third mesothelioma treatment method is chemotherapy. Through pills or drugs through needles, chemotherapy drugs are used to kill cancer cells.
A new mesothelioma treatment method is called intraoperative photodynamic therapy. In this treatment, light and drugs are used to kill cancer cells during surgery for early stages of mesothelioma in the chest. Although there are numerous treatments and drugs for mesothelioma, doctors are losing the battle against this deadly disease. Most mesothelioma treatments involve old techniques combined with different drug cocktails. However, in most cases, these mesothelioma treatments have many side effects including organ damage, nausea, increase in heart failure etc. The rush to find a more effective mesothelioma treatment or even cure is ongoing at numerous clinical labs across the nation. Let's hope that the mesothelioma treatments will one day erradicate mesothelioma cancer and asbestosis.
With an abundance of information on the Internet, Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com]) has consolidated the most important issues surrounding Mesothelioma, Mesothelioma doctors and symptoms, Mesothelioma treatment, Mesothelioma research and tests.
At [http://www.mesothelioma-cancer-and-asbestos.com], the website contains useful resources on Mesothelioma lawyers and attorneys, as well as causes by asbestos exposure, asbestos removal, asbestos attorneys and lawsuits, and asbestos cancer. Patients stricken by Mesothelioma and their families require support and current information. Mesothelioma Online Resources hopes to educate and give hope to survivors and victims.
Mesothelioma is such a harsh disease. Not only does it take years for symptoms to appear, but there are limited treatements and drugs that will prolong the lives of workers stricken with mesothelioma. In many cases, the death rate of mesothelioma is unfortunately very high. However, with increased funding in mesothelioma research through the government and private grants, the outlook for a mesothelioma cure is quite possible. In the meantime, mesothelioma support groups and local discussions provide the ongoing support for mesothelioma patients.
Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com])is your source for mesothelioma and asbestos information, treatments, clinical trials, attorneys, support groups and lawyers.
About the website: Michael Kenneth is a successful Internet Publisher and has researched and written on many topics for [http://www.mesothelioma-cancer-and-asbestos.com] - your complete source for mesothelioma information, mesothelioma attorneys and lawyers, mesothelioma treatments and research, asbestos exposure and removal, asbestos attorneys and legislation as well as asbestos cancer.
A cruise can be as expensive as any other vacation. But unlike other trips, a delay or mishap could result in more than arriving a day late somewhere – a vacationer could miss their cruise entirely and, essentially, lose the money they spent on it. Cruise insurance offered by the boat companies or independen insurance companies protects travelers from that financial loss.
What Does Cruise Insurance Cover?
Cruise Insurance Offered By Cruise Lines
Third-Party Cruise Insurance Policies
Do I Need Cruise Insurance?
What Does Cruise Insurance Cover?
Most cruise insurance policies include coverages related to the necessary travel before and during a stay on the boat, or any medical issues encountered on board. For example, a family might need to fly to the port city a cruise is departing from. Having a delayed or canceled flight may cause the group to miss their boarding time and the cruise altogether – something that might be worth insuring.
Example of Cruise Trip Cancellation or Interruption Coverage
Below is an example of travel insurance coverage from Nationwide, one of several insurance companies that offer cruise-specific policies.
Benefits Coverage Limits (Per Person)
Trip Cancellation Maximum 100% of non-refundable trip costs.
Cancellation for Any Reason (must cancel at least two days before departure) Maximum 70% of non-refundable trip costs.
Trip Interruption Maximum 150% of non-refundable trip costs.
Interruption for Any Reason Up to $500
Missed Connection/Trip Delay $1,500/$750
Lost/Stolen Baggage $2,500 max., $600 max. for special items, $300 per article limit.
Example of Travel Health Insurance Coverage in a Cruise Insurance Policy
Both cruise lines and independent travel insurance companies also sell also more comprehensive cruise insurance policies. These typically include travel health insurance (coverage for medical emergencies such as a norovirus outbreak or prescription drugs for seasickness), an accidental death and dismemberment benefit, a waiver for preexisting conditions and medical evacuation. Below are some of the coverages included in Nationwide's Choice Cruise Plan.
Benefits Coverage Limits (Per Person)
Emergency Accident and Sickness Medical Expense $100,000/$100,000 (secondary coverage)
Emergency Dental Expense $750
Emergency Medical Evacuation $500,000
Accidental Death & Dismemberment $25,000
Pre-Existing Condition Waiver If purchased prior to final trip payment and all eligibility requirements are met.
Cruise Insurance Medical Coverage vs. Your Regular Health Insurance Plan
Most health insurance policies will not cover medical expenses incurred on a cruise or during any port of call stops. If your health insurance covers those expenses, they will most likely be considered out-of-network costs, which will meaning paying more for the services. Cruise insurance policies can offer health benefits in addition to travel ones, for a higher premium.
Cruise ships are required to have a doctor and hospital facility on board in the event anyone is injured or becomes ill. However, these infirmaries are typically designed to stabilize patients and make them as comfortable as possible until the ship reaches its final destination or the nearest port of call. In emergency situations, a vacationer might also need a medical evacuation - when either a helicopter or another boat transports them immediately from the cruise to the necessary facility. Medical evacuations are very costly and without insurance that covers them, a cruise-goer would have to pay for those bills out of pocket.
Cruise Insurance Offered By Cruise Lines
Most cruise lines offer a comprehensive travel insurance policy tailored to cruises that is underwritten by an insurance company. Many also have another form of cruise insurance – that is technically a waiver – and provided by the cruise line itself that covers a trip cancellation. In the event a cruise-goer needs to cancel their trip, the waiver ensures they get a higher percentage or all of their money back (with some stipulations, of course). Some waivers guarantee a 100% reimbursement for the cost of the cruise for only a set list of reasons, including an illness. Others might allow a traveler to cancel for any reason or as soon as up to two days before embarkment.
Carnival Cruise Line, for example, offers both a waiver and a more comprehensive cruise insurance policy. The company’s Cancellation Waiver Fee Program goes into effect immediately when purchased and the policyholders can get 100% of the cost of their trip back in cash for qualified reasons. If they need to cancel for any other reason, they can, but will only receive 75% back toward a future cruise with Carnival. Without the cancellation fee waiver coverage, the cruise line charges a penalty if a trip is canceled after the final payment is made, which can be as far as 90 days before embarkment.
Below are some of the most popular cruise lines and their respective waiver and protection programs. You'll notice some cruise lines do not offer a fee waiver, only the more costly comprehensive coverage. Someone who is only interested in the cancellation coverage might be able to get it through an independent insurer and save by forgoing a comprehensive plan.
Company Waiver Program Cruise Insurance Offered
Carnival Cruise Line Carnival Cancellation Fee Waiver Program Carnival Travel Insurance Program
Disney Cruise Line N/A Disney Cruise Line Vacation Protection Plan
Norwegian Cruise Line N/A Norwegian Cruise LIne BookSafe Travel Protection Plan
Oceania Cruises N/A Oceania Cruises Travel Protection Program
Princess Cruises Princess Cancellation Fee Waiver Program Princess Travel Insurance Protection
Regent Seven Seas Cruises N/A Guest Travel Protection Program
Royal Caribbean Cancellation Penalty Waiver Program Royal Caribbean Travel Protection Program
The majority of the cruise insurance plans offered by the cruise lines (outside the cancellation waivers) are underwritten by traditional insurance companies. Both Carnival and Royal Caribbean’s policies are underwritten by Transamerica. For a cruise-goer, the underwriting insurer makes little difference. It is the coverage and the terms of the policy that matter. If the policy offered through a cruise line is for whatever reason inadequate – for example, perhaps a desired claim limit for category of coverage is too low – then a cruise-goer can always shop for cruise insurance on their own.
Third-Party Cruise Insurance Policies
There are many insurance companies unaffiliated with cruise lines that offer cruise insurance. They tend to offer better coverage in the form of higher claim limits or lower premiusm than policies offered through the cruise companies. In the event a policyholder needs to file a claim, the process for each will be very similar – they would need to contract the insurer, not the cruise. The only exception to the above would be if a policyholder purchases the cruise line’s cancellation and interruption waiver previously mentioned. If someone opts to buy the waiver and needs to use its protection, they would contact their respective cruise company.
Third-party cruise travel insurance also gives a policyholder more coverage flexibility. Typically, there is only a single insurance plan offered through a cruise line, so as a traveler you have to take it or leave it. But there are a number of good comparison websites that gather quotes for dozens of travel insurance policies from multiple carriers. Below are some examples of insurance companies that sell cruise insurance or travel insurance that suits a cruise-goer.
Insurer Policy Name Coverage Highlights
Nationwide Universal Cruise Plan An inexpensive policy that refunds up to 100% of nonrefundable trip costs. Also offers baggage protection and emergency accident and sickness coverage.
Nationwide Choice Cruise Plan Includes trip cancellation coverage for any reason up to 70% of nonrefundable trip costs. Also includes medical coverage, but with a preexisting condition waiver, among other benefits.
AIG Travel Guard Plan The same Silver travel insurance plan that offers comprehensive coverage for all types of trips will also cover a cruise.
Allianz Global Assistance Classic Plan A comprehensive plan that includes trip cancellation, baggage and emergency medical and other coverages for all policyholders, including cruise-goers.
Do I Need Cruise Insurance?
You should consider purchasing cruise insurance whenever booking one. At the very least, the market for cruise insurance is probably an indicator of its utility: 70% of U.S. travelers who book cruises purchase some form of travel or cruise insurance, according to the U.S. Travel Insurance Association (UStiA). The most commonly purchased travel insurance benefit is trip cancellation – which reimburses policyholders for nonrefundable costs – and that coverage could prove very beneficial to cruise-goers.
Unlike hotels, the upfront costs of cruises can be very high. Hotels frequently require a deposit when you book a room but almost never charge someone for the full stay unless they check in. That isn’t the case with cruises, which usually must be paid in-full weeks before the ship leaves port and offer limited or no refunds in some situations. We've found that travel insurance premiums can cost $148 for a sample trip costing $2,500.
How far in advance someone purchases a cruise ticket (and the type of ticket they buy) impacts the refund policy and someone might choose to get cruise insurance as a result. For example, the deposits for Early Saver and Early Saver Last Call tickets for Carnival Cruise Lines are non refundable at any time after booking them. After the final payment for those are made, they are completely non-refundable – Carnival only issues non-refundable and non-transferable future cruise credits in the event someone has to cancel.
Here’s another example of when cruise insurance might come in handy: Cruise-goers can save on tickets as long as they have the flexibility to book last-minute deals but, again, the cancellation rules are stringent. For example, the total fare for Carnival’s Pack & Go tickets are non-refundable any time after the booking is made. A cruise insurance policy might cover the cost of the ticket, in the event a qualifying event occurs, such as the traveler or a close family member becoming ill.
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