would you get insurance on a 5 day cruise?

[cherylroy]

I have always had insurance and am thinking of not getting it this time - HOWEVER we would be sailing mid September (hurricane season). What are your professional opinions on insurance? It would be for a 5 nighter. Thanks bunches!

[Donna]

In a word, YES, I'd still get insurance even for a 5 day cruise. You will still have costs involved, plus you'd need the extra coverage for any injuries, accidents, lost luggage, etc. I'm sure the cost of the insurance for that would be small, and the benefits would be worth the small cost.

[cherylroy]

I know - I was thinking the same thing however, on my one cruise that we were delayed almost 16 hours - had to be bussed from New Orleans to Mississippi to catch the ship, I wasn't reimbursed for anything. I had all receipts for any foods, drinks I had during that time yet there was nothing from the insurance co. BTW...they had an accident in the mouth of the Mississippi that prevented some ships from coming into port and some from leaving. Ours couldn't come in - so it docked in Mississippi where we were bussed over there. Luckily we were one of the first bussed (about 9 hours late), and the next a.m. when we woke up, they still had people coming on busses (they had slept in the terminal). So - maybe I should check into a different policy???

[David West]

Good morning Cherylroy
The wife and I have been on 4-cruises, and leaving for our 5'th cruise next Thursday. 1-in May, 1-in August, 2 in September. And our 5'th will be in September. We have never purchased Insurance. Guess you could say, "we've been lucky ".

If you do purchase the Insurance, do read the fine print. (so-to-speak )get the right coverage for what you need.


Happy Cruising;
David

[dina]

I'd buy insurance regardless of the length or time of the cruise. You just never know when your going to need it.

[ready2gonow]

In light of the cost of a cruise, out-of-country travel, etc., insurance is a minor expense for the "what ifs" that can happen. As they say, "ship happens!"

[LisaK]

get the insurance. The coverage you basically need is trip cancellation/interruption, baggage, and medical evacuation(this is a huge expense if someone gets very ill or injured and has to be removed from the ship) Also check with your current insurance carrier to see if you are covered on a cruise, if not then you should also get some medical coverage