Input needed for Cruise trip insurance
- Thread starter walterjay
- Start date
I think Clark Howard still recommends www.insuremytrip.com, basically a broker site that lets you quote and compare a whole bunch at once.
clark.com
InsureMyTrip Review: Why We Like It and How to Use It
Need travel insurance? InsureMyTrip is one of the best places to find a policy. Here's how it works, plus some tips before you buy a policy.
clark.com
Why do you say no to it?
We had a trip to the DR for 9 nights. We got trip insurance it also paid for life flight HOME.
It wasn’t horrendously expensive.
It wasn’t horrendously expensive.
As already mentioned, unless you or your traveling companion(s) have health problems, there's little point.
Go a day ahead to give yourself some flexibility in the event of travel disruptions en route to your port of departure.
We've done probably 30+ cruises and we've never had any problems that would have been solved with travel insurance.
Going a day or two ahead also allows a day or two of mini vacation at the port of departure, usually very enjoyable.
Go a day ahead to give yourself some flexibility in the event of travel disruptions en route to your port of departure.
We've done probably 30+ cruises and we've never had any problems that would have been solved with travel insurance.
Going a day or two ahead also allows a day or two of mini vacation at the port of departure, usually very enjoyable.
I usually buy it when traveling for pleasure, usually Allianz. When I travel for work I dont.
We have gone on several Princess cruises. We booked the air through Princess also. So if we missed the cruise because of flight problems then it's up to Princess to get me to the ship on alternative flights or if not possible then fly us home and give us future cruise credit.
And that exact thing happened while flying to a Mediterranean cruise. Flight delays caused issues and I could not make it to the port on any flight. I flew home, got a refund for the flights and future cruise credit for the cruise.
So this does not cover medical issues but it does cover flight issues.
Flights booked through Princess were competitive with booking the flights on my own.
And that exact thing happened while flying to a Mediterranean cruise. Flight delays caused issues and I could not make it to the port on any flight. I flew home, got a refund for the flights and future cruise credit for the cruise.
So this does not cover medical issues but it does cover flight issues.
Flights booked through Princess were competitive with booking the flights on my own.
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It is the absolute first thing i do after booking the cruise. I use both insuremytrip.com and squaremouth.com. I compare plans from each site for the coverage I'm interested in and pick what's best; it might be a different insurer each time. For the two of us (age 60 & 62) my premium usually ranges from $75-110 for a 7-10 day cruise
Most of my cruises are casino or other reduced fare offers, so I don't choose and plans with "cancel for any reason coverage," which really increases the premium. My workplace insurance only covers emergency care outside CONUS, so I'm most interested in medical coverage that's primary versus secondary, and medical evacuation in case we need medical transport back to the states. Everything else (flight delay, baggage loss, financial default, terrorism, etc.) pretty much falls into place. If you do have any pre-existing conditions, be sure to review each policy's look back period to insure you're covered.
Once in 20+ cruises I had to make a claim when the wife tweaked her knee on an independent excursion and had to visit the ship's medical center. The on board bill was $400-500. We got back home, I filed a claim and in 2 weeks had a check for the full amount less the $50 deductible.
Zee09
$200 Site Donor 2023
No Florida this year Walt?
Avoid Crum and Forster's travel insurance products. They beat me down on my loss claim after a Covid cancelled Tahiti cruise in 2020.
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- Joined
- Oct 25, 2021
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- 1,204
Never needed it
Go on cruises from the port of Baltimore and you won't have this problem.
I use squaremouth if you want to cover the whole trip. I use the cruise ship's own insurance if I go on a cruise and don't need to cover flights, etc. Either way you most likely need health insurance for the cruise ship, as your carrier will not cover sea travel.
Zee09
$200 Site Donor 2023
Yup.....like I said
