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Old July 14th, 2004, 10:59 AM
clem
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Default RCCL insurance vs. Travelguard

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!
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Old July 14th, 2004, 11:54 AM
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Default Re: RCCL insurance vs. Travelguard

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.

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Old July 14th, 2004, 12:06 PM
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Default Re: RCCL insurance vs. Travelguard

Hi, I used Access America (www.accessamerica.com) and it was a LOT cheaper than RCCL's. Fortunately I haven't had to make any claims the 4 times I've used them.
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Old July 14th, 2004, 02:38 PM
DON MARTASIN
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Default Re: Re: RCCL insurance vs. Travelguard

CHECK OUT INSUREYOURTRIP.COM. tHEY GIVE YOU COMPARISONS ON ABOUT 10 DIFFERNT COMPANY'S- SOME ARE ALOT CHAEPER THAN OTHERS WITH EQAUL OR THE SAME COVERAGE,
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Old July 14th, 2004, 03:50 PM
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Default Re: RCCL insurance vs. Travelguard

Hi Clem,
I've been using CSA insurance the last few cruises and even had to file a claim on our last cruise, they paid promptly, no problems:

CSA travel insurance

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Old July 14th, 2004, 06:19 PM
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Default Re: RCCL insurance vs. Travelguard

Also look at Travelex Insurance....I got a policy for cheaper then Travelguard and it covered more.

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Old July 14th, 2004, 07:16 PM
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Default Re: Re: RCCL insurance vs. Travelguard

Same with Travel Safe. Covered more than Travel Gaurd and cost was less.
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Old July 15th, 2004, 08:21 AM
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Default Re: Re: Re: RCCL insurance vs. Travelguard

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.

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Old July 15th, 2004, 11:14 AM
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Default Re: RCCL insurance vs. Travelguard

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.

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Old July 15th, 2004, 02:24 PM
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Default Re: RCCL insurance vs. Travelguard

Travelex best buy for money, have been cruising since 1978
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