I am confused as to what insurance we should take on our upcoming cruise. Does RCCL give ship credit in case of sickness or death causing a cancellation...or does it give cash back? Travelguard seems to have a pretty good product, but it is more expensive than the cruise lines insurance? Are they more willing to help you on the ship if there is an emergency if you purchase their own insurnace?
Thanks for you help and ideas!
I have always used Travel Guard on all my cruises.....The first time I cruised it was recommended by my travel agent because I was on a budget and it was cheaper than the Royal Caribbean insurance... I have never had to make a claim before (knock on wood) using travel guard so I cannot comment on their service but they are one of the largest travel insurance companies out there.....Hope this helps.
On Carnival Elation
Rhapsody of the Seas 9/2003
Rhapsody of the Seas 9/2004
I take the advice of consumer advocate Clark Howard(clarkhoward.com) and NEVER use the insurance of the cruiseline nor my travel agent. His take on it is that they would have total control of your claims and will only look out for themselves, denying claims, etc. He says ALWAYS use a 3rd party insurance...so we use Travelguard. We have never had a claim but have heard good reports about them.
In 2001 I had to cancel a cruise due to a stepdaughter's illness. After sending in documentation, Travelguard payed without hesitation. I am insured with them for my upcoming trip.
Explorer of the Seas October 2013
Caribbean Princess July 2006, May 2010 & November 2012
Monarch of the Seas November 2008
Crown Princess November 2007
Celebrity Zenith November 2005
Enchantment of the Seas August 2004