Go Back   CruiseMates Cruise Community and Forums > Cruise Lines (Mainstream) > Carnival Cruise Lines
Register Forgot Password?

Reply
 
LinkBack Thread Tools Search this Thread Display Modes
  #1 (permalink)  
Old July 12th, 2006, 10:38 PM
Junior Member
Passenger
 
Join Date: Jul 2006
Posts: 0
Default Help please on insurance

I've been planning our cruise for a bit now and i'm just drained...Now i come to the part of insurance...do i do it or no? I've checked www.eglobalhealth.com 30$ plan and TravelGuard's 25$ plan Savvy Traveler....All we r looking for is insurance in case flight is delayed from nj because of a hurricane that will cause us to miss the cruise....now we r leaving a day early sept 1...So do we really need it? And are these plans good...we r early twenties and we really have no idea about this stuff. Thank you very much!
Reply With Quote
Sponsored Links
  #2 (permalink)  
Old July 12th, 2006, 11:12 PM
Tompo8190's Avatar
Member
Familiar Face
 
Join Date: Jun 2006
Posts: 62
Send a message via Yahoo to Tompo8190
Default

I'm coming up on my seventh cruise and we have never purchased the insurance. I know it's a gamble but one that has paid off so far. You are smart to fly one day early, just in case of delays. I'm sure there will be a lot of people that suggest getting the insurance, there are a million unknowns out there. Just thought I'd share my own experience with you. My husband and I always felt it was just one more thing to spend $$$ on.

Good Luck.
__________________
Happy Cruising!
Marc and Nancy
Chicago, IL
Reply With Quote
  #3 (permalink)  
Old July 13th, 2006, 07:28 AM
Donna's Avatar
Moderator
Admiral
 
Join Date: Aug 2000
Location: on my computer
Posts: 26,471
Send a message via AIM to Donna
Default

I've always purchased insurance and in fact had to make 2 claims over the years. YOu'll need to make sure the coverage you take out includes something for med vac, in case someone gets injured and needs to be taken from the ship to a hospital, that could cost thousands and I've seen it happen on almost every cruise. Just be sure to check out the different policies.
__________________

Message Boards Moderator
Reply With Quote
  #4 (permalink)  
Old July 13th, 2006, 07:45 AM
dina's Avatar
Senior Member
Admiral
 
Join Date: Jan 2006
Location: Metro Detroit, Michigan
Posts: 7,431
Default

Please buy it. You never know what can happen or what things may come up. It's peace of mind thats well worth the price.
__________________
Carolin


Life is too short to let the ship of your dreams sail without you.


Carnival Destiny Feb. 2006
Carnival Fascination Feb. 2007
Royal Caribbean Grandeur of the Seas Feb. 2008 The DTW & MsBJ tour
Carnival Valor MsBJ and Dina Feb. 2009
Carnival Glory MsBJ and Dina Feb. 2010
Carnival Dream MsBJ and Dina Feb. 2011
Reply With Quote
  #5 (permalink)  
Old July 13th, 2006, 07:59 AM
Senior Member
Cruise Maniac
 
Join Date: Nov 2005
Posts: 153
Default

Would you drive your car without liability coverage, not have medical coverage or insurance on your home in case of fire? I've been married for over 36years and have never used our homeowners insurance, but you can bet that if I cancelled that insurance, the house would burn down tonight.
I wouldn't think about taking a cruise without travel insurance. It's not a hardship if you happen to miss a plane and are delayed..but if you have an accident while on the cruise..you could face huge expenses. How do you think you are taken off the ship if you fall and break a hip or leg, you would need to be med-evac by helicopter to the nearest medical facility.
I just don't think it's worth the gamble...unless you are financially able to incur expenses that could possibly reach over $100,000.
Reply With Quote
  #6 (permalink)  
Old July 13th, 2006, 08:41 AM
Senior Member
Yeoman
 
Join Date: May 2006
Location: North Miami Beach, FL
Posts: 511
Default

They are absolutely right.........I've only been on 3 cruises so far and I have always purchased insurance. You never know what is going to happen to you or a family member just before the cruise. Also, make sure they have medical insurance coverage also. It will help if youneed to me evacuted back home by air, medical in a foreign country, etc. Get it. Don't risk not having it. You just never know
__________________
Valor

I hope everyone has a wonderful cruise!
Reply With Quote
  #7 (permalink)  
Old July 13th, 2006, 08:54 AM
skymaster's Avatar
Senior Member
Admiral
 
Join Date: Dec 2004
Location: Central Florida
Posts: 10,911
Default

Try insuremytrip.com. They give quotes from a lot of different companys, so you can compare what they offer and the price. Whatever you decide, have a great trip, and most of all, I hope you DON'T need that insurance, whether you buy it or not.
Ken
__________________
Marine, Pilot, Singer, Tuba Player, Carnival "Diamond"!
Reply With Quote
  #8 (permalink)  
Old July 13th, 2006, 10:02 AM
Senior Member
Admiral
 
Join Date: Jun 2002
Location: Palmer, Massachusetts
Posts: 12,716
Default

we NEVER travel with out it. The coverage you need to purchase is Trip Cancellation, Trip Interruption, Baggage and Medical Evacauation. Also check with your healthcare provider to see if you have coverage outside the United States, if you do, great if not, then you should consider buying health insurance coverage. Medical Evac is the biggie, if something should happen to either one of you and you needed to be evacuated from the ship to a hospital that can cost thousands.
Reply With Quote
  #9 (permalink)  
Old July 13th, 2006, 11:47 AM
ESS ESS is offline
Senior Member
Cruise Maniac
 
Join Date: Feb 2006
Posts: 85
Default Travel Insurance

We have been on two cruises where the ship had to deviate and make an emergency stop to off load a sick passenger for medivac back to the states. We never travel overseas without travel insurance - it is relatively cheap - easy to obtain from insuremytrip.com and eliminates one worry.
Reply With Quote
  #10 (permalink)  
Old July 13th, 2006, 11:50 AM
Senior Member
Yeoman
 
Join Date: May 2006
Location: North Miami Beach, FL
Posts: 511
Default

ESS........have you or any one you know used insuremytrip.com? Just curious. I usually get it from my TA. Didn't know if there was a big price break through them or am I better going through the TA?
__________________
Valor

I hope everyone has a wonderful cruise!
Reply With Quote
  #11 (permalink)  
Old July 13th, 2006, 04:21 PM
Junior Member
Passenger
 
Join Date: Jul 2006
Posts: 0
Default Thanks very much

Thanks
Reply With Quote
  #12 (permalink)  
Old July 13th, 2006, 07:02 PM
Member
Passenger
 
Join Date: Sep 2005
Location: Columbus, Ohio
Posts: 4
Default Gotta have it!

We have only been on 5 cruises but always get the insurance! He actually had a claim last year during our Hurricane Wilma cruise. Along with the delay getting home, our new digital camera was stolen. We had our money back from the insurance company within 4 weeks.

We use Travelguard and will stick with them. They were great!
Reply With Quote
  #13 (permalink)  
Old July 14th, 2006, 01:33 AM
Tompo8190's Avatar
Member
Familiar Face
 
Join Date: Jun 2006
Posts: 62
Send a message via Yahoo to Tompo8190
Default

I'm sorry....I wasn't trying to give bad advice. Just sharing my own experience. You have all given me a lot to think about, especially now that we are travelling with our children. I don't think anyone at Carnival ever fully explained the insurance to us, only for trip cancellation. I didn't think about medical coverage while on board. Maybe I'm a better surfer than poster.
__________________
Happy Cruising!
Marc and Nancy
Chicago, IL
Reply With Quote
  #14 (permalink)  
Old July 14th, 2006, 08:22 AM
Member
Passenger
 
Join Date: Sep 2005
Location: Columbus, Ohio
Posts: 4
Default

Not a problem Tompo8190! The OP was looking for opinion and you shared yours. Trust me, I thought many time on whether I needed it or not until the Hurricane Wilma cruise. Now I am sold forever.

We did not get insurance for our first cruise in 2004 but heard many horror stories that swayed us to get it on our second cruise. I always thought during the winter what could go wrong as we always leave a day early but then the stolen camera and hearing about people being medivaced out makes you realize it doesn't matter what time of year you cruise.
Reply With Quote
  #15 (permalink)  
Old July 14th, 2006, 04:58 PM
RobRen's Avatar
Senior Member
First Mate
 
Join Date: Jan 2005
Location: Southern California
Posts: 338
Default

The plane fare/cruise fare is the least of your problems without insurance. What should really concern you is the Medical Insurance! Most policies will NOT COVER you while on a cruise in a foreign country. Check to see if your health insurance covers helicopter evacuation, etc from a cruise ship in open waters. My son took a 10 minute ambulance ride while on vacation in Las Vegas a few years ago and my portion of the ambulance ride after insurance was $600. Can you imagine what it would cost to have them come by helicopter or what a hospital stay would be in another country? Even a trip to the ships doctor will cost you over $100. I talked to someone who broke his leg (it was his own fault) and had to be airlifted to a hospital. His bill was over $60,000. On our last trip, someone had a heart attack and the ship had to turn around. Things happen. Have I ever used the insurance? No, but I would NEVER travel without it. A few hundered dollars is well worth the peace of mind.

Sure you can take a chance...but why risk it? Get the insurance and really enjoy your trip...worry free!
__________________
Renee - The better half of RobRen :-)

Carnival - Spirit: Alaska (August 8, 2007)
Carnival - Miracle: Exotic Western Caribbean (April 9, 2006)
Royal Caribbean - Explorer of the Seas: Eastern Caribbean (January 2005)
Reply With Quote
  #16 (permalink)  
Old July 24th, 2006, 03:25 PM
Junior Member
Beginner
 
Join Date: Jul 2006
Posts: 5
Default

Even if you use insuremytrip.com, I recommend directly checking travelguard.com. I first heard about them on a segment on national news. They base their rates on your trip cost.

I have coverage for my cruise (21 days from now ). It covers medical (10,000 pp), emergency evacuation (100,000 pp), baggage and travel docs, trip cancellation, etc. The premium for 2 people was $36.

Happy cruising!
Reply With Quote
Reply

Bookmarks

Similar Threads
Thread Thread Starter Forum Replies Last Post
Insurance C.V. Ask CruiseMates Staff 6 November 12th, 2005 01:50 PM
Insurance???? ajolder Royal Caribbean International 10 March 16th, 2005 06:31 PM
insurance jfd Ask CruiseMates Staff 11 June 30th, 2004 10:56 AM
Insurance Manny Princess Cruise Lines 1 April 19th, 2004 07:47 PM
Insurance -yes or no tanny Alaska 8 February 1st, 2004 03:25 PM


Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On


 

All times are GMT -4. The time now is 08:00 PM.
design by: Themes by Design

Powered by vBulletin® Version 3.8.7 Beta 1
Copyright ©2000 - 2014, vBulletin Solutions, Inc.
Search Engine Friendly URLs by vBSEO 3.6.1