We are going on Holland America thru the Panama Canal to Costa Rica for 10 days. TA says $160 each for the trip cancellation insurance. Each. The insurance is thru Holland America. Is this the insurance I should buy?? Your input is appreciated.
I much prefer to buy my insurance from an independent agent. If anything should ever happen to the cruiseline and you hold their insurance, you are out of luck.
Since we only know the line you're sailing on and not the length of your trip or your ages it's impossible to know if you got a good deal or not. I use Travel Guard Insurance and like it very much. If you buy it within two weeks of booking your cruise, it will cover all pre existing conditions.
It pays to shop around for trip insurance, we've used CSA a few times with no problem, but then again, we've never had (so far) to make a claim. Also like Carole mentioned Travel Guard is another good one.
I purchased the Holland American Line's Trip Insurance on my last Holland American Cruise. It is a bit more expensive than other insurance, but it covers many more cancellation reasons. I think it is a good deal for the unexpected or a medical emergency you may encounter during your trip. I have an 80 year old Mother and I buy the insurance in the event I have a funeral to go to before or while I am on a cruise.
One couple at our table during my first cruise was called home to a funeral just after the cruise started. I don't know if they had insurance, but if they had the right insurance the cost of the cruise would have been reimbursed by the insurance. The cost of a Panama Canal cruise is not cheap and a few hundred dollars may save a few thousand. You have to assess your own risk. Some people don't buy the insurance at all. It depands on your own comfort level.
Go on-line to TravelGuard Onsurance and do a price comparison as well as a benefits comparison before you buy. They price by each travelers age (in our case two different brackets), the length & price of the cruise. Then take the HAL coverage beneftits to compare each feature. It really is not very hard to do a little homework.