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  #1 (permalink)  
Old July 4th, 2008, 08:00 PM
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Default Insurance Really Necessary?

My husband and I are going on a land/cruise tour of Alaska with Princess this August. We are trying to decide if we need to purchase the suggested insurance or not. I am 48 and he is 58, both of us in excellent health and our immediate family is in good health (no one close to dying). This cruise is a bit more expensive the other ones we have both gone on or are scheduled to go in the near future. Is it really worth spending the extra money for insurance? My hubby told me to ask you guys - he hears me giving advice that I have received from the chat site all of the time. So all of you cruise experts - let me know what you think.

Lizzyjane

By the way we are spending about $4500. per person for the air/land/cruise.
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Old July 4th, 2008, 08:41 PM
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All I can say is..What If? Knowing that insurance can give you peace of mind for, trip interuption, lost luggage, is wonderful. Being in sound health is a blessing but, what if? I have heard of accidents in port, falls that require medical assisstance, the ship cannot handle, and the list goes on.

This is a roll of the dice, only you can decide if you want to chance, whatever "could" happen, but I bet 95 % of the replies you get will say take the insurance. Good luck.
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Old July 4th, 2008, 10:48 PM
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At a minimum, get medical evacuation insurance. Then, check to see whether your medical insurance will cover you on the ship. Those are the "unlimited" costs that you could face.

I believe that cancellation insurance is usually unneeded because the worst that will happen is that you will lose the money you have already paid. That said, I have collected before because of delayed baggage and change in ship's itinerary.

Just my two yen,
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Old July 5th, 2008, 09:39 AM
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Without a doubt, get some insurance, there are just too many "what ifs" that could happen and you've spent quite a bit for the vacation, why risk loosing anything...
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Old July 5th, 2008, 12:34 PM
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Thank you all for the advise - I will be contacting our TA on Monday morning.

Lizzyjane
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Old July 5th, 2008, 02:48 PM
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I'm with Marc on this one. I always get medical evacuation and medical coverage. My regular health insurance does not cover out of country and anytime you are at sea, they can technically claim that you are not on US soils. BUT, I do not buy cancellation and lost luggage, etc. Anything that keeps me from going is going to be so serious that losing my cruise money will be the least of my problems. That said, we always get to the debarkation port at least a day early because of not having the insurance.
Just our approach.
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Old July 5th, 2008, 08:00 PM
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I go the opposite--I say get complete package. Flights, other than the most expensive tickets, are non-refundable, which means if you miss your flight the airline can say "too bad, so sad" and make you pay full fare to get back home. It can happen especially with the airlines and their cut backs. Medical is a must!!! Luggage, well this is where a woman I know at work is glad she bought complete insurance. The airline LOST her luggage and after six weeks it was yet to be found. She went away for three weeks and almost all of her summer wardrobe went with her. The airline never found it and no one knows what happened. How it could have gotten lost going from Trinidad to Toronto is unknown, but the airport at Trinidad isn't huge and somehow the bag never got on the flight or any other flight!!!! The airline reimbursed her the max allowed and travel insurance made sure she was able to get new summer clothes......
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Old July 5th, 2008, 08:31 PM
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I guess I'm the 5 percenter.
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Old July 5th, 2008, 09:45 PM
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Default Re: Insurance Really Necessary?

No insurance is necessary if you can afford to pay for any contingency. Of course an emergency isn't likely, but consider plausible if unlikely scenarios. What if you broke your leg and could not fly commercially for six weeks? Could you afford to either stay away from home or rent an air taxi?

Everybody's personal circumstances are different so everybody has to judge for himself whether the cost of insurance is worth it.

Cheers, Aidan
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Old July 5th, 2008, 09:54 PM
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A medical evacuation from a ship can cost upwards of 10k.
There was medical evacuation from a cruise ship on the inside passage last year that cosy more than 240k.
Canadian hospitals don't accept direct payment from
US HMO as US HMO's don't accept payment from Canadian plans.
When I travel on personal business I always carry extra medical
insurance. If on business then I have different coverage supplied by our company travel insurer.

It can be a roll of the dice.

Friends of ours where going on a cruise with another couple.
They where in their 50's and have had no health problems.
Four days before the cruise he went to the doctor and the doctor found out that he needs immediate heart surgery.

They didn't buy ant insurance and where out over 20K for
the cruise.



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Old July 5th, 2008, 10:48 PM
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That woman who lost her summer wardrobe, could go to Alabama, where all lost luggage ends up, and buy back her clothes.....This store is quite popular with locals, and, tourists.

Several years ago, my friend was on a cruise where there was an amazing amount of medical issues, and deaths. They no sooner left a port then, they had to return, a couple of ports were involved. There was a death of a man in a pool related death. There was also a medivac off the ship. This cruise was not the norm, by any means but, it does happen!
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Old July 5th, 2008, 11:07 PM
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Insurance is one of those things we buy but hope we never have to use. I recommend some type of health insurance. You are both healthy thats great but one of you could slip and fall. Think of it this way if you have insurance nothing will happen. Happy Cruising! Mike
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Old July 6th, 2008, 08:41 AM
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I think we've all seen some medical emergencies while cruising, that could be you, you just never know and like we've stated, while your regular medical insurance will cover the actual medical exam, etc...it does not cover the transportation to a hospital if needed.
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Old July 6th, 2008, 05:49 PM
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If you are the chairman of the board of ExxonMobil you are self insured and probably don't need the insurance otherwise -- get it!
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Old July 7th, 2008, 04:25 AM
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There's a website "Insure my Trip.com" that is very helpful - lists all the
major travel insurance companies and what they cover. I would NEVER
travel without insurance just like I would never drive a car without insurance. You just never know !! In the long run - I feel it is money well spent.
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Old July 14th, 2008, 10:55 PM
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I have posted thisinfo before in regards to insurance questions. We are about to take our 12th cruise in less than 5 years. The only cruise we did not buy insurance for was August 2005. We decided on a Monday to cruise the next Saturday and thought it was too late to get insurance (wrong)!
We sailed from New Orleans on Saturday afternoon. Hurricane Katrina turned from a path headed to Panama City Florida - right to New Orleans.
Received urgent e-mail Sunday AM - father in law gravely ill. E-mailed our TA and asked for a flight home from first stop in Cozumel. We were lucky to get them on Sunday AM but they were readying for Katrina. Monday my father-in-law passed away in the midst of the Hurricane. By then everyone on the ship was lined up at the puters on board trying to find a way home to New Orleans. We flew to Houston and did not have a connecting flight. We spent hours walking through the Houston airport lugging around 7 days worth of baggage, going desk to desk trying to find a flight home. We finally found a flight to Atlanta where we were lucky to find a rental car (and gasoline) to drive home to Mobile. We finally made it home Wednesday night at a cost of approx $3000. We even lost our car in New Orleans - never saw it again.
NEVER AGAIN would I travel without the insurance.
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Old July 15th, 2008, 12:00 AM
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Nothin,
a great lesson for all of us.
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Old July 15th, 2008, 08:52 AM
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I'm in the 5% with Snooze.
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Old July 15th, 2008, 01:53 PM
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Chris,
Not wanting to re-read the entire string to figure out what 5% you are talking about, it's kind of hard to know what your position is. You're opposed to buying insurance? If so, what is your reasoning?
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Old July 15th, 2008, 09:31 PM
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I think it is a mistake to consider the insurance decision as a kind of wager. Instead, consider what your risk tolerance is. For example, we carry $1000 deductibles on our homeowner and auto policies. Therefore, it is consistant to insure a cruise costing, say, $10,000 or more. The prospect of a loss that large is more risk than we can stand.
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Old July 16th, 2008, 12:14 AM
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We buy the travel insurance mostly for the health part of it - DH and I have some major health problems which could flare up at any time. In
addition to that, my MIL is 92 and failing quickly and one just never knows! In the extreme circumstance that we would have to cancel -
taking a loss on the premium paid for the insurance is nothing compared
to the $ 15 K we would lose to the airlines, hotels, and cruise lines. (Not
to mention that I might have to find a new place to live because DH might
show me the door ! - just kidding).
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Old July 16th, 2008, 09:11 AM
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Quote:
Originally Posted by richstacy
Chris,
Not wanting to re-read the entire string to figure out what 5% you are talking about, it's kind of hard to know what your position is. You're opposed to buying insurance? If so, what is your reasoning?
The 5% I'm referring to is to Trip,s comment above (95% will say they have or do take insurance) and Snoozeman's comment that he is in the other 5%.

I am not opposed to people doing what they are comfortable with. I personally never buy trip insurance. Am I independantly wealthy and can cover any high cost unforseen situation or emergency? No, but I am willing to take that chance. When I look at the odds of something happening, it oes not in my mind justify the cost of the temporary insurance.

Others (most of them obviously) feel diferent and I respect that. I just don't see the need for it.

Have a great cruise and hope to meet you on the high seas someday.
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Old July 16th, 2008, 01:33 PM
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Chris, you are one of the fortunatel few who is 'self insured' and who CAN self insure. More power to you!
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Old July 16th, 2008, 02:41 PM
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I also think that the total cost needs to be factored in. How much would you lose in terms of the cruise, plane flights, plus the medical. We buy medical and medical evacuation only. We live in Florida, DH hates to fly, and we never take anything of significant value with us.
Just an FYI, homeowner's insurance often only pays a fraction of value if the items are not physically in your house. Check that out if you are counting on that covering lost luggage, etc.
Marty
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Old July 17th, 2008, 09:33 AM
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OK now that I've given my view on this , don't y'all jinx me and have something go wrong on my next cruise.

Then you guys will have the I told you so finger wave going.

Happy cruising!
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Old July 17th, 2008, 11:35 AM
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It is such a small price to pay. We have only had to file 1 claim but we were glad we had it.
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Old July 17th, 2008, 03:26 PM
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Insurance is an option. It is NOT a necessity. The Name or word is INSURE. Just in case? It may be in the gambling game. But it is only up to you to insure or Not.
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Old July 17th, 2008, 03:44 PM
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I have to disagree... for me it is a necessity..If God forbid, we had to get medivaced, off a ship, I would need "that" to "insure" the bill would be paid. I don't have the money to pay the incredible high cost of the flight, and more.

If people are fortunate to have health insurance that would cover such things, I say lucky them......
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Old July 19th, 2008, 11:15 AM
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howdy all

i have purchased the basic insurance through the TA is that ok or do i need to check for more coverage
i have NO medical insurance and would be in a pickle if there were a problem, also mom is 74 almost 75 (medicare & supplement).
Not expecting troble but need to be smart.

any input would be appreciated.

debbyedoops
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Old July 19th, 2008, 01:25 PM
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Hi: Go to "InsureMyTrip.com" - in an earlier post - I suggested this site -
gives you all the different insurance companies, benefits and costs. I
certainly would be very "nervous" to travel anywhere without health insurance and your Mom is another matter entirely. Is she in good health?
Do you have any health problems now?? I would certainly discuss this
with your Mom and TA as well as your/her physician. As I mentioned before, with my situation - the insurance is money well spent. Have a safe
and enjoyable trip. 8)
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