I purchased travel insurance for our cruise last May through CSA. Before I bought it I had a question and they emailed me back with an answer quickly. We were lucky and didn't have to actually file a claim, so I couldn't tell you anything about that.
I can say that CSA is a wonderful company. A few years back I had a client who had purchased CSA insurance for a 14 day HAL Panama Canal cruise. On day 6 he became seriously ill and had to be taken to a hospital in Costa Rico. After 3 days in the hospital he was air ambulanced back to his home hospital. The total cost of the air alone was $13,000.00 he paid not one cent. CSA took care of everything with just one phone call. The client not only had all the medical items taken care of but was refunded for the portion of the cruise he missed. They were just so easy to work with I recommend them to all my clients now. I never travel without CSA insurance coverage. Go with them and you can rest assured you will be in good hands.
CSA and Travel Guard are the top two travel insurance products sold by travel agents, and as someone in the travel industry myself, CSA would be my recommendation because they really go above and beyond what the majority of us would really need for a reasonable price.
I'm thinking I should look into this also. Leaving Chicago in the middle of December can be risky. Do I need to have my air booked to take out the insurance? Does it matter how close to the trip it is when you take out the policy? Does it cover everything?? what the ball park figure on a 5 day cruise?
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Insurance covers all non-refundable expenses. It depends on company what you can get when, but CSA is definitely highly recommended. Also consider Travel Guard. You can get a ball park estimate by putting in the cost of the cruise plus the approximate cost of airfare(which you can get from the airline sites or an online agency like Travelocity or Expedia) at insuremytrip.com.
TravelGuard. We used this in Jan and it was the first time we needed them. Bags were traveling more then me. I contacted them that my bags never showed up at the airport. They took all my info as to where I will be for the next 7 days. We had a cell so they contacted us at the hotel every 2 hrs till they found the bags and had them delivered to the hotel around 1100 PM and called again to make sure I had everything. Very goood Insurance co. They told me to go buy up to $500 worth of whatever I needed if the bags didn't show up that night. Everything worked out. We get that Ins every cruise.