We have booked a cruise for July (Rome to Venice) and are now investigating travel insurance. Can anyone tell us their experience with any companies? I'm especially interested in hearing from anyone that has filed a claim... how did it go? There is SUCH a range available. I don't want to overspend, but I do want to be covered. Any help or suggestions will be greatly appreciated!
I will be filing my first claim very shortly, its for some medical treatment while cruising and I've sent it into my regular insurance and once thats complete will send it into the travel insurance company. I will keep everyone posted, this will be the test. BTW, we used CSA and have used them for the last couple cruises.
We have used Travelex many times and have had no problem in the event of a claim such as the need to cancel. They are not cheap but the coverages are broad.Other travel insurers MGA's CSA and Travel Guard provide travel insurance.. I cannot recommend the travel insurance obtained through the cruise line. On the surface it might look cheap but is "Buyer Beware" coverage, especially when there is a claim.
You have another condition that merits considering. You should check with your travel agent or cruise line if their passenger ticket includes a provision that in the event of
death or personal injury while aboard ship, the liability to the cruise line will be limited to that provided for in the Athens Convention. This is limited at this time top 46,666 SDR(Special Drawing Rights) or about $69,000 US dollars. I assume you will board(embark) the vessel in a foreign port and disembark in a foreign port.
We had to claim a couple of years ago while traveling with HAL. My husband became very ill, and we had to abhort the cruise in Stockholm. We were totally reimbursed for the cruise and the expenses incured at a Stockholm hospital. It was either CSA or Travelguard. My husband also was insured with Secure Horizons who covered some of the expenses. HAL would not reimburse us for the post-cruise hotel even though they had plenty of notice. Our TA went to bat for us, however, and we were refunded that cost, as well. Hope this helps.
Where do you find the costs of travel insurance? I booked directly through Carnival and they really didn't recommend the coverage. But last summer by vacation was canceled on the day prior to us leaving because I had a headache was taken to the ER and diagnosed with a subarachnoid brain hemmorhage - was hospitalized for 23 days. I am doing fine now - but after that - I am sort of scared to plan something as expensive as a cruise and at the last minute have to cancel it. I have contacted AAA - I am a member with them - but the cruise was booked directly through Carnival so I'm not sure if they sell the travel insurance if you didn't purchase the cruise through them.
Thanks for the replies. We still haven't decided which company to go with, but I feel better knowing that others have used those that we are considering.
Hanna, if you read this... why don't you recommend the insurance through the cruise line? We are traveling on Crystal so it would be through them. And, it actually costs more than several of the other plans I found.
there are a couple of web sites that will help you decide what is truly needed. i just today purchased cruise insurance and used travel insured. but go to www.insuremytrip.com and you will get several quotes from different companies that offer choices. also might look at www.quotetravelinsurance.com.
I had a claim with Travel Guard in 2001, it was paid very promptly as soon as all documentation was filed (we had to prove it was not a pre-existing condition since we did not buy the insurance within two weeks of booking). I am using them again for my upcoming cruise. From what I have read, on Cruisemates and other places, it is not recommended to buy insurance through the cruise line because, if they go belly -up, you may be out of luck.
Explorer of the Seas October 2013
Caribbean Princess July 2006, May 2010 & November 2012
Monarch of the Seas November 2008
Crown Princess November 2007
Celebrity Zenith November 2005
Enchantment of the Seas August 2004