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  #1 (permalink)  
Old January 24th, 2008, 09:45 PM
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Default ? About Travel insurance

We are thinking of booking a cruise for 2009 and am thinking about getting the travel insurance myself this time but I have a question.

When you entry the cost of the trip do you include port fees and taxes or not?

Need an answer quick since will be booking cruise tomorrow.

Thanks.
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Old January 25th, 2008, 03:11 AM
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Don't include port fee and taxes.
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Old January 25th, 2008, 05:40 AM
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In some cases, you don't always know the exact figure of the taxes and or port costs. When I give the total of the cruise and the airfare, I include it all.
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Old January 25th, 2008, 08:09 AM
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I always put in all charges when purchasing my travel insurance. If something should happen and I have to cancel I get back all money paid for the trip. I know a couple who had a major health problem while on a 14 day cruise. They had to be taken off the ship and to a hospital in Costa Rico. They then air ambulanced them back to the states and the cost of that was $13,000.00. Due to having the insurance they paid nothing and were even refunded for the 7 days of the cruise they missed. Sadly the Mr. passed away about 6 weeks after this, he had cancer and was smart and got the best insurance offered. It paid off for the family, no big bills.
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Old January 25th, 2008, 08:14 AM
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Your confusing trip cancellation with trip interruption. For trip cancellation, that is cancelling before you start, the cruiselines do not keep your port taxes and fees. If you have had the opposite happen, I would have your TA get on the phone to the cruise line or find a new TA.

Many insurance policies cover trip interruption at 150% of total cost.
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Old January 25th, 2008, 11:33 AM
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Thanks for the help.
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Old January 25th, 2008, 12:31 PM
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Quote:
Originally Posted by Marc
Your confusing trip cancellation with trip interruption. For trip cancellation, that is canceling before you start, the cruiselines do not keep your port taxes and fees. If you have had the opposite happen, I would have your TA get on the phone to the cruise line or find a new TA.

Many insurance policies cover trip interruption at 150% of total cost.
On "almost all" policies, collection of trip cancellation is only refundable if you cancel after final payment and the cruise line withholds your money. You will be required to submit documents, to the insurance company, that show how much was refunded.

If you cancel your airfare, most companies will only charge you the amount of non-cancel able airfare that is forfeited. If the airline gives you a $100 credit (or some other amount) on a future flight, you will only be refunded the amount of the airfare minus the credit.

The "easiest" and overall smartest thing to do is insure the total cost of your trip, including airfare, hotel and private tours (if non-refundable) and use that as the total amount.

A major important thing, as Marc pointed out, is trip interruption. It is actually used the most. It will cover flight delays and costs incurred, such as getting to the next port if you miss the ship. Also the medical, IMSO, is the most important and will provide you with medical coverage outside of the U.S. Most health insurance plans, especially Medicare, will not cover you outside the U.S.

Take care,
Mike
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Old January 25th, 2008, 03:47 PM
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Thanks again. After booking the cruise and seeing what the TA had for insurance (I didn't order right away so he sent me links to what it was) I bought thru insuremytrip and got just what I wanted.
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