Hi Pat and Rhonda,
Its always a good idea to purchase travel insurance for a number of reasons, most which are out of your control. Our last Alaska cruise, we had some passenger that had to be airlifted to a hospital and while your regular health insurance may cover the cost of the medical service, it does not cover transportation costs like that and they can run up to the thousands, so do think about picking up some insurance. There are quite a few independent companies that carry policies, here are a few:
I usually buy insurance altho I didn't this last Alaska cruise. The first night one man died from a heart attack. Another night another man got sick & had to be taken off by boat. So it's probably best to be on the safe side!!
Okie doke..I will be the dissenting vote. Over 20 cruises under my belt and I don't take insurance UNLESS traveling with my elderly mother. My medical insurance does cover the type of emergencies, including air evacuation, even though my credit card might be used initially. BUT on the good side, the only time I was ever at risk of losing a cruise was when "Rennasiance" went bankrupt. "VISA" ate that one which is why using a credit card to book these things is a MUST. And you need to do the math, oftentimes the insurance is at least 5-10% of the cruise price (usually the higher %) so now if I were to miss a cruise completely, I am still quite a bit ahead of the game. These companies are like Las Vegas, they are not there because the lose money.
I agree with Robbie! Have been on 10 cruises soon to be 11 and never buy the insurance. Many of my friends cruise regularly and they never take out insurance. I don't take out insurance at the blackjack table either!!!
Our questions is if it is not my fault and there is a storm coming into galvelston and the ship can't make it to port to disembark the previous passengers, what happens to our cruise. I do want to thank everyome for their comments.
Just moving this older thread up (I think they move up with each reply) for Suz. There are pros and cons. It seems that highly experienced cruisers are not as concerned with insurance as novices (like dh and me) AAA has their own, which supposedly covers more and is cheaper than the cruise line's.
This thread has some links for Suz to check out.