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Old April 15th, 2007, 09:57 AM
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Is it wise to purchase the insurance, or is it unneccessary? I'd rather spend the money on a more expensive cabin.
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Old April 15th, 2007, 10:13 AM
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We never leave home without it. You never know when something unexpected could happen. We have only had to file 1 claim so far. Check out insuremytrip.com for different companies and rates. It is not recommended to buy the cruiselines insurance. The cost is very minimal. We've enen gotten it for land trips.
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Old April 15th, 2007, 10:28 AM
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It just takes once and you will realize how important it can be. Would you drive without insurance or not carry it on your house? Someone told me, many years ago when I was a newly wed: carrying insurance is the time you hope you are wasting your money. I agree about not buying it from the cruise company, it is more expensive (normally) and isn't as good. Your TA will have insurance that will be as good as you can get or if you want to try the internet you can save $$s. Just make certain you know exactly what you are doing. Sometimes what you buy isn't going to cover what you really need covered. NMnita
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Old April 16th, 2007, 11:44 AM
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Hi, we are going to Alaska in July, and insurance for the cruise and air was $185 for the two of us, well worth it. Couldn't get a cabin upgrade for that amount.

Frank
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Old April 16th, 2007, 03:54 PM
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The thing about insurance is its better to have it and not need it than to need it and not have it. The potential loss of the cost of the cruise, should something happen is not all you need to insure. Many health insurance policies DO NOT cover you while you are out of the country without some special rider. Even the ones that do, will not have direct payment agreements with off-shore medical providers. So, if you were faced with a medical emergency, while out of the country, you wil generally be required to "settle the bill" on your way out. Then you can submit these bills to your stateside insurance carrier for reimbursement. Which can take as long as 90 days.

So, unless your financially prepared to tie up many thousands of dollars in potential medical bills and absorb the loss of the cruise fare, should you experience a medical problem, you really must consider the insurance.

There are many alternatives to what is offered by the cruiselines and I would suggest you shop around for what best suits your needs. Be sure to consider all of the potential losses involved before making your decision to forgo travel insurance. We have always been very pleased with the insurance offered by American Express, but do shop dilligently.

Tim
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Old April 16th, 2007, 03:59 PM
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I sugggest third party insurance, not that which the cruise lines offer.

Check out insuremytrip.com for price and policy comparisons.

If you don't purchase insurance, you are SELF INSURING.... which basically means you are responsible for any costs in the event of a problem.

Cancellation is just one of the minor things that insurance covers. Don't think you'd want to have to pay for a $15,000 + medi-vac if the situation arose.
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Old April 16th, 2007, 04:09 PM
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Quote:
Originally Posted by nmnita
Would you drive without insurance or not carry it on your house?
That is the law and is required by the mortgage company (if you have a loan). Cruise insurance is not required by any law or motgage company.
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Old April 16th, 2007, 05:02 PM
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Quote:
Originally Posted by Irish Shark
Quote:
Originally Posted by nmnita
Would you drive without insurance or not carry it on your house?
That is the law and is required by the mortgage company (if you have a loan). Cruise insurance is not required by any law or motgage company.
you have a point, but as for car insurance, let me tell you: there are lots of people who take it out just to buy the car and then drop it; you whould live in NM, other states as well. If your house is paid for, you certainly would still carry insurance, so yes, in some cases it is the law, but even when you have a choice most wouldn't think of going without it. As I always advise: this is an option you have, but I highly recommend everyone carry it and there are only a handful that do not. Until about 5 years ago if something happened, usually we could play on the sympathy of the cruise lines and get a credit or work something out if passengers did not get to the ship or could not sail at the last minute: those days are long gone. Once in awhile a cruise line will bend, but it is rare. NMNita
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