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Old August 27th, 2004, 05:47 PM
anita kennedy
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Default travel insurance

My TA send me a brochure for travel insurance. However she put a note on it and said you can get this coverage through Carnival for $99. How in the world do I get in touch with Carnival. I can't find a phone number. I e-mail and nobody returns my e-mail.
Also while we are at it, does this insurance pay for if you have to have medical treatment in a port on a cruise and if the trip is interrupted say by a death at home do they pay for your plane ticket home? Any advise appreciated.
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Old August 27th, 2004, 07:26 PM
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Default Re: travel insurance

you might try travelguard

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Old August 27th, 2004, 07:51 PM
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Default Re: travel insurance

Your agent is supposed to get the insurance for you and explain all that is covered by the policy you pay for. There are differant levels if I am not mistaken.
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Old August 27th, 2004, 08:13 PM
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Default Re: travel insurance

Yes, you should look into other travel insurance companies to compare.

Besides Travelguard, check into :

CSA Travel Insurance

Access America Insurance

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Old August 27th, 2004, 11:10 PM
Andee
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Default Re: travel insurance

I have found www.insuremytrip.com an excellent place to compare costs and coverage.
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Old August 28th, 2004, 08:05 AM
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Default Re: travel insurance

I got mine through my TA,I did'nt go shopping around,I just had her add it to my package price...One less thing I had to worry about

kitty
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Old August 28th, 2004, 09:30 AM
anita kennedy
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Default Re: Re: travel insurance

thanks for the comments I will start working on this Monday. I really don't need to buy it until much later right? We don't sail until June 19, 2005. Just eager to get this behind me as far as picking the right company.
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Old August 28th, 2004, 10:33 AM
trish1c
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Default Re: travel insurance

What's covered can be tied to your final payment -- you need to read the clauses about pre-existing conditions carefully. Get help if you are not good with legalese.

What's generally covered is:
missed connections
lost luggage
medical bills abroad (you're health insurance probably doesn't cover this & w/o travel insurance non-US doctors will want to be paid in cash)
travel home in case of emergency -- yours or death in the family.

Hope you won't need the insurance but it's good to have.
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Old August 28th, 2004, 11:52 AM
anita kennedy
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Default Re: Re: travel insurance

thanks trish; I just spoke to carnival and she gave me the name of their insurance carrier. Berkly Care. I will call for a brochure. We will read it. What I am most concerned about (we have no pre-existing illness such as previous heart attack etc.) but what if we have one on ship. Will they cover the medical bills in a port and she said yes. You will have to pay your airline ticket home but will be reimbused. Does this sound right?
I will read it all the way through. I know its not a big investment but I think it is something we should have.
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Old August 28th, 2004, 12:18 PM
HannaS77
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Default Re: travel insurance

I am not familiar with just what Carnival"s insurer offers for $89. Travel Insurance, expecially as it perains to the cruise industry is a "Buyer Beware Coverage". Your travel agent SHOULD be abl to tell you the coverages you can expect to be protected for and what is or is not covered. Unfortunately there are travel agents who do not have the foggiest idea oif what protection is being provided for their client.
Incidentally, Carnival does not provide the insurnce since it cannot legally insure. The Carnival travel insurance I suspect comes through a Managining General Agent such as BerkeleyCare.\ and for Carnival it may be the National Union Ins. Co. of Pittsburgh.

You have to decide just what you want covered, eg. cancellation of the cruise, pre-existing conditions for you health, etc.Most of the travel insurers will exclude canceling due to pre-existing health condition, BUT my waive this exlusion if you purchase the insurance within a specified time period after booking the cruise and making a deposit.

Most of the travel insurance policies are not refundable, except if the insurer ofers you a period such as ten days to look over the coverage.
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