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-   -   Do you think of travel insurance? (http://www.cruisemates.com/forum/first-time-cruisers/379268-do-you-think-travel-insurance.html)

Trip January 7th, 2011 06:47 PM

Do you think of travel insurance?
 
Have you read up on the importance of travel insurance? Do you know anyone who had to use it?

kandajones January 7th, 2011 07:03 PM

In the UK we have to have travel insurance as part of the 'right of passage' onto planes or ships, though oddly not on international trains or ferries etc.

Fortunately there are a lot of quality independent providers, and that keeps the price down for most people, and when you consider the cost of medical treatment, or worse, repatriation (especially if airlifted off a ship) you can soon run up bills of several thousand.

We have had a couple of experiences of claims, once for ourselves when we had to cancel a cruise on a Renaissance ship, and the other for onboard treatment of my gran after she injured her leg whilst on a cruise. Both times the companies paid out without any hesitation.

So, for us it's a necessary evil, but one that is worth it's weight in gold if you have to claim.

Alan & Katrina

Trip January 7th, 2011 07:11 PM

I think for 1st Time Cruisers, unless the travel agency brings up the subject, [and I think it should be discussed asap] many people just don't know about it. I would bet for many, by the time they do find out about it, their budget might be blown:(

!st Timers..go to insuremytrip.com,and just plug in your numbers..if you have not booked yet, make some up..just to see what it will cost...also check out your baggage and trip interuption coverage..you will see how litlte it costs for piece of mind..

Think the UK has a good idea!

anniegb January 7th, 2011 08:00 PM

My father suffered a heart attack in Spain,he was moved to a Private Clinic immediately. Daily living allowance paid to his wife in addition to her extra hotel bills; addition family members flown out and my father repatriated by special flight. We have never seen a bill.

My last planned vacation was abandoned because of extreme weather conditions - I could opt to cancel after a delay of 6 hours and all costs reimbursed.

I would not be without travel insurance and I think a case could be made for making the purchase of travel insurance compulsory. I purchase an annual policy which reduces the costs substantially.

Donna January 7th, 2011 08:25 PM

We've all read the horror stories that cruisers endured that did not purchase the travel insurance....Having had to use it twice all ready, I will never go on a trip without having it.

Lakers Fan January 7th, 2011 11:16 PM

I needed to cancel a trip last year because of medical problems and luckily I had a very good travel insurance policy . I've never vacationed by ship ,railroad or bus without having a policy.

Truck Cruiser January 8th, 2011 06:07 AM

We never had travel insurance before this last cruise but we also always booked through the cruise lines agents before too. This last cruise we used a travel agent and was amazed at how affordable travel insurance was. We always thought that travel insurance, especially the one offered by the cruise lines, was too expensive. We will not cruise without insurance again as long as the prices can remain so reasonable.

anniegb January 8th, 2011 09:26 AM

Curiosity is killing this cat - is affordability an issue? How much would the average travel insurance policy cost for a 1 week cruise in the US?
Also relative to the cost of a cruise, is it so expensive?

Donna January 8th, 2011 09:56 AM

There are different policies, but I find one for 2 people, one week cruise for around $120. I don't think that is bad at all compared to what you can lose or have to pay for if something should go wrong. I literally costs thousands if you need to be air lifted to a hospital, I read about that all the time and of course many don't have the extra insurance to cover that.

anniegb January 8th, 2011 11:13 AM

Thanks Donna - that explains it!. Dependent upon the level of cover, that is reasonable but as it breaches the 100 USD barrier, I think that explains the reluctance to purchase.

My annual policy which covers world-wide unlimited number of trips/per year of a max duration of 60 days per trip (incl cruises and hazardous activities )and has lots of 'extras' included (volcanic ash cover) costs me a single person USD100 per year. I have 5 short non-cruise vacation trips within Europe booked. I will probably have to buy a specialist policy for my 4 month trip to Oz/NZ

I know I can buy cheaper but I like the belts and braces of my policy. For a family, the annual cost would be approx USD 170 - 200 I have just checked; single people pay a premium on insurance products also :)

Lakers Fan January 8th, 2011 01:22 PM

Insurance
 
Quote:

Originally Posted by Donna (Post 1340804)
There are different policies, but I find one for 2 people, one week cruise for around $120. I don't think that is bad at all compared to what you can lose or have to pay for if something should go wrong. I literally costs thousands if you need to be air lifted to a hospital, I read about that all the time and of course many don't have the extra insurance to cover that.


We paid $97 for the 2 of us

Dave Beers January 8th, 2011 02:12 PM

I always buy a policy and ensure it also includes medical evacuation coverage. The cost of an air ambulance is quite substantial. For instance, every time you see your local medevac helicopter flying by it is a minimum of $10,000. I know from personal experience. My wife rode in one after being t-boned in 2006. It probably saved her life. So if a 10 mile ride from an accident to a hospital costs that much, think about flying in a medical jet from Costa Rica to Miami.

People will drop $100 in the cruise ship slot machines or on a couple bottles of wine but not buy insurance. I just don't understand it.

The cruise line policies are usually the worst - both in price and what they cover. Insuremytrip.com is a great website to compare and buy.

anniegb January 8th, 2011 03:59 PM

Quote:

Originally Posted by Dave Beers (Post 1340865)

People will drop $100 in the cruise ship slot machines or on a couple bottles of wine but not buy insurance. I just don't understand it.

The cruise line policies are usually the worst - both in price and what they cover. Insuremytrip.com is a great website to compare and buy.

Dave - I could not agree more! For me it is a no-brainer!

johnthed0g January 14th, 2011 08:14 AM

This really does show up the difference between our cultures! As K&A said we don't have the option in the UK ...now you would think that would make it expensive but it isn't (unless you use the cruise company!) Ours is virtually free from our bank, various accounts have different "benefit packs", ours comes with houshold emergency cover, car breakdown rescue cover & lots of other stuff including a good travel insurance. There is a monthly fee for this, but the travel part can't be much as the AA/RAC motor cover would have been most of it.

LisaK January 14th, 2011 09:52 AM

would not cruise without it. Have had to use it only once.

Lakers Fan January 14th, 2011 09:57 AM

I would venture to say that everyone on this site buys travel insurance .

charmil20091 March 11th, 2011 05:32 AM

For traveling in Cruise or Plane, first i think for insurance because we dont know at what time whichi accident can happen. So for our safety, we must have our insurance.

Truck Cruiser March 11th, 2011 08:14 AM

I would guarantee you that at least 50% of passengers on a cruise ship do not buy trip insurance. Most people either think that their health insurance will cover them or have the attitude "It cant happen to me". Probably most of these would be younger people in good health but you never know what can happen.

Danny Boy July 20th, 2011 01:47 PM

Travel Insurance
 
The first thing to remember, if you have a health insurance plan here in the US or the UK.
You must contact your insurer and obtain a travel package.
All insurance companies require pre approval before any cost are paid!
This requires a call to your insurer, unless it is an EMERGENCY.
YOU WILL BE REQUIRED TO HAVE ALL MEDICAL PROVIDERS COMPLETE FORMS from your insurer for reimbursement and or authorization for payment.
In some cases, your medical insurer can provide payment via credit card from your own Country.
This is why you obtain the forms advance of travel from your health plan provider and the requirements for pre-approval for treatment and payment.
Trip Evacuation is required for treatment for many life threatening accidents and or transport to a hospital. Meaning, you take an ambluance to hospital or fly to your home for treatment through your health plan or approved provider.

Remember, read the fine print. Many policies are secondary coverage.
Example: Baggage Loss, Your home owners policy and the airlines already covers for most of the damage/loss, if at all covered.
You can add a rider to most home owners policies to cover electronics or medical devices, which is not covered by airlines or most of the travel insurance policies.

Travel Insurance: Unless your being taken to a hospital for an Emergency, many minor accidents are treated via ship doctor in which case you will be covered under the limits of cruise line policy.
If you are transported to a local hospital, you may be required to pay through a credit card, then you obtain reimbursement through your insurer.
This is the second reason to have your health forms from your health plan with you or onboard the ship.

If you have any condition that is pre existing, you must understand, that you may not be covered by a travel policy.
You must know the extent of coverage and confirm the limits before purchasing the vacation, you have a limited window for purchase after paying for you cruise.

A word of advise, Always have the PORT AGENT number with you at each port of call, this will allow you to contact the ship and local authorities with one call.
A port Agent works directly for the cruise line and will speak English and the native language, they will have a local number and most locals will have a mobil phone.

Donna July 20th, 2011 01:51 PM

All good points Danny.. The main reason I don't cruise without any travel insurance, is my regular insurance will NOT pay for transport from the ship to a local hospital, which can amout to thousands of dollars, that is where the extra, paid for trip insurance comes in. I know it is a rare case where this could happen, but we read about it all the time on these message boards, along with missing luggage, missed ships, etc....IMHO, its a small price to pay in case this kind of emergency happens to you.

Dannyboy July 20th, 2011 08:17 PM

Insurance info
 
Quote:

Originally Posted by Donna (Post 1382450)
All good points Danny.. The main reason I don't cruise without any travel insurance, is my regular insurance will NOT pay for transport from the ship to a local hospital, which can amout to thousands of dollars, that is where the extra, paid for trip insurance comes in. I know it is a rare case where this could happen, but we read about it all the time on these message boards, along with missing luggage, missed ships, etc....IMHO, its a small price to pay in case this kind of emergency happens to you.

There are travel insures that sell trip evacuation only on a yearly policy.
A good value for people, whom travel out of the Country more then three or four times a year.
Including Bahamas, Mexico & Canada for travelers whom live close to International Boarders.
A second issue, Most credit cards have secondary coverage for auto accidents in rentals,excludes trucks, some luxery cars and vans.
You must decline the excess coverage first.
Basically your deductable is covered by your credit card and your regular Auto insurer pays the claim.
Remember some Countries such as Irland and Jamacia do not qualify for coverage with most credit card companies.
Always read the fine print.
I do not know all the facts or disclaimers with many companies.

Dannyboy July 20th, 2011 08:45 PM

Evacuation coverage
 
Quote:

Originally Posted by Donna (Post 1340804)
There are different policies, but I find one for 2 people, one week cruise for around $120. I don't think that is bad at all compared to what you can lose or have to pay for if something should go wrong. I literally costs thousands if you need to be air lifted to a hospital, I read about that all the time and of course many don't have the extra insurance to cover that.

If your on an EXOCTIC Cruise, Having a policy covering $50,000.00 trip Evacuation is important.
Some Countries/Islands just don't have doctors/hospitals that are trained to handle many emergencies.

Manuel July 20th, 2011 10:09 PM

We allways get travel insurance. We have used twice. Once when i was injured a couple of days before a cruise and another time when my MIL passed away and we went to her funeral instead of going on the cruise we had booked.

TM

Queen of Oakville July 21st, 2011 11:15 AM

I buy an annual travel plan through RBC (in Canada). I think it costs about $160.00 for the four of us .... and covers us on ALL trips we take during year, as soon as we cross the border outside of Canada.

We had to use for a very MINOR clinic visit (thought the kids may have had strep). We were quickly reimbursed. We were not given any restrictions on who would could/could not see. We received our cheque within weeks of filing the claim. What impressed me most, was that there was a follow-up call while we were on our cruise (missed it and never responded) and then another one when we got home, to make sure the kids were both alright.



Trip, wheneve I've used a TA, I've had to sign a waiver if declining their health insurance.


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