Go Back   CruiseMates Cruise Community and Forums > Cruise Lines (Mainstream) > Royal Caribbean International
Register Forgot Password?

Reply
 
LinkBack Thread Tools Search this Thread Display Modes
  #1 (permalink)  
Old May 6th, 2007, 02:42 PM
Junior Member
Passenger
 
Join Date: May 2007
Posts: 13
Default cruise insurance

should i? where? when?-thanks
Reply With Quote
Sponsored Links
  #2 (permalink)  
Old May 6th, 2007, 03:55 PM
Member
Passenger
 
Join Date: Jul 2006
Posts: 49
Default

I go to InsureMyTrip.com It has a wide selection of insurance companies.
Reply With Quote
  #3 (permalink)  
Old May 7th, 2007, 11:24 AM
elf elf is offline
Senior Member
Cruise Maniac
 
Join Date: May 2006
Location: Bermuda
Posts: 180
Default cruise insurance

Hi luvcruise,

Personally, I would not travel without cruise insurance. When we were on Brilliance of the Seas last month, there were quite a few people down in the medical facility, and as far as I know at least one of them had travel insurance (and they were glad they did). As curt says, you can go on-line or you can also go through your travel agent or you can get it thru Royal Carribean. If you want to take a chance without, that is entirely up to you.

elf

Big Red Boat ?
Carnival Valour 2004
Carnival Jubliee 2005
RCCL Empress of the Seas 2006
RCCL Brilliance of the Seas 2007
RCCL Grandeur of the Seas 2007
RCCL Granduer of the Seas 2008
Reply With Quote
  #4 (permalink)  
Old May 8th, 2007, 12:21 AM
RCscoop's Avatar
Senior Member
Cruise Maniac
 
Join Date: Sep 2006
Location: Olympia, WA
Posts: 208
Default Re: cruise insurance

Quote:
Originally Posted by curt
should i? where? when?-thanks
Absolutely, yes. Check out this article though so you can decide for yourself based on the cruise destination, travel, etc. It's right here on the CruiseMates site:

http://cruisemates.com/articles/consumer/insurance.cfm

I'm sure this will answer your question. Take care, Steve
__________________
I'm Steve Cooper. I love Royal Caribbean, and recently discovered NCL and love them too. I've also cruised Princess and HAL.
NCL Pearl Alaska Glacier Bay
RCI Liberty of the Seas E. Caribbean
Reply With Quote
  #5 (permalink)  
Old May 8th, 2007, 08:33 AM
Donna's Avatar
Moderator
Admiral
 
Join Date: Aug 2000
Location: on my computer
Posts: 26,456
Send a message via AIM to Donna
Default

Just be sure to pick something up and make sure its the right policy that works for you. I've had good luck using CSA for travel insurance, be sure to check them out as well.

Happy Cruising.
__________________

Message Boards Moderator
Reply With Quote
  #6 (permalink)  
Old May 9th, 2007, 01:05 PM
Senior Member
Captain
 
Join Date: Sep 2005
Location: Mountains of SoCal
Posts: 606
Default

I try to chime in when I see this question come up because I am one of the few people who is basically self insured. After thirty plus cruises, I could miss a cruise entirely and still be ahead of the game financially. Obviously this isn't going to work for everyone but just something to consider.

I have taken out insurance on exotic locations ( i.e., when we went to Egypt last year ) but it does depend on your own individual needs. Even when I broke my wrist in another country, I was reimbursed by my regular medical insurance.
Reply With Quote
  #7 (permalink)  
Old May 17th, 2007, 03:20 PM
froggie620's Avatar
Member
Passenger
 
Join Date: Oct 2006
Location: Lafayette (area), LA
Posts: 79
Default

I always book my cruises (all 2 of them and a 3rd one coming up January 2008) through the same travel agency and get the cruise insurance through him.

Last year my sister was called up for jury duty 1 month before we were going to leave on our second cruise. She could not get the judge to give her a postponement so I checked with our T.A. and he told us "if' she was chosen as a juror the insurance would give us both a full refund, less the price of the insurance ($99.00 each). Luckily she wasn't chosen and we were able to enjoy our trip together. Since we live 400 miles apart we use a cruise away from family to get together and catch up on everything and everyone. We use holidays and long weekends for get togethers with our families.


Norwegian Sun - January 2007
Carnival Conquest - September 2005
__________________
froggie620
Reply With Quote
  #8 (permalink)  
Old May 17th, 2007, 03:30 PM
Senior Member
Cruise Maniac
 
Join Date: May 2007
Location: MD
Posts: 226
Default

On one trip, both of my sons became extremely ill. My medical bill was more than all 4 of our cruise bill. My youngest was still under our medical plan, so our insurance reimursed me. My oldest was out of school working, but did not have medical insurance. The insurance pick up his bill. plus gave refund hime for 3 days of the cruise bill.
__________________
5 Carnival
3 Princess
2 Royal Caribbean
1 NCL
1 American Hawaii
1 Celebrity
Holland America 1/15/11
Reply With Quote
  #9 (permalink)  
Old May 17th, 2007, 11:54 PM
subtropic's Avatar
Senior Member
Admiral
 
Join Date: Feb 2007
Location: Eastern Long Island
Posts: 1,109
Default

All of the answering posts say it best. Always carry cruise insurance !



[img]/countdown.php?month=06&year=2007&day=10&hour=17:00[/img]
__________________
Freedom Of The Seas -07
Radiance Of The Seas-07
Golden Princess-06
Adventure Of The Seas-05
Navigator Of The Seas-04
Carnival Paradise-04
Carnival Pride-03
Sea Princess-02
Soverign Of The Seas-02
Carnival Imagination-01
Carnival Destiny-00
Carnival Fascination-97
Big Red Boat-93
Nordic Prince-82
Reply With Quote
  #10 (permalink)  
Old May 21st, 2007, 11:38 PM
frogfuzz's Avatar
Member
Passenger
 
Join Date: Mar 2005
Location: NC
Posts: 61
Default

The 2 times I have bought insurance I have had to use it. first time I was in a serious car accident 1 week before cruise and couldnt go, last time mom had emergency heart surgery the weekend I was to leave

I think I may be better off not getting, maybe it is bad luck for me.

But seriously was reimbursed both times and grateful
__________________
Royal= Empress, Serenade (2), Vision, Liberty Upcoming , Majesty, Millenium, Adventure
NCL=Majesty
Carnival=Dream
Reply With Quote
  #11 (permalink)  
Old May 30th, 2007, 04:33 PM
Kamloops Cruiser's Avatar
Senior Member
Admiral
 
Join Date: Jan 2007
Posts: 1,130
Default

It greatly depends on your health coverage. In canada most health plans don't pay directly to health providers , so we have to pay upfront in USD.
Most also limit coverage about 250000 USD limit . For us it pays to have
extra health ,medical and trip cancellation insurance.

One couple (friends of friends) booked a cruise. 5 days before leaving
his doctor told him that he needs an immediate bypass (within 72 hrs)'
They had no insurance and therefore were about 7000 $USD.

If you can afford to take such a loss then you don't need insurance.
__________________





Ships Sailed:

SS Ithaca , Volendam , Mariner of the Seas (x2) , Veendam , Coral Princess , Island Princess (x3) , Emerald Princess,Sapphire Sapphire (x3),Diamond Princess
Reply With Quote
  #12 (permalink)  
Old May 31st, 2007, 01:11 PM
Kamloops Cruiser's Avatar
Senior Member
Admiral
 
Join Date: Jan 2007
Posts: 1,130
Default

Last Night (May 30)the Zaandam had to make an emergency evacuation

of a passenger that had a heart attack. If not covered he would have to

pay the cost of the transfer to the hospital.
__________________





Ships Sailed:

SS Ithaca , Volendam , Mariner of the Seas (x2) , Veendam , Coral Princess , Island Princess (x3) , Emerald Princess,Sapphire Sapphire (x3),Diamond Princess
Reply With Quote
  #13 (permalink)  
Old May 31st, 2007, 03:49 PM
skymaster's Avatar
Senior Member
Admiral
 
Join Date: Dec 2004
Location: Central Florida
Posts: 10,909
Default

Especially if you're traveling the Caribbean in the Fall. (hurricane season) Just makes good sense to buy insurance.

Ken
__________________
Marine, Pilot, Singer, Tuba Player, Carnival "Diamond"!
Reply With Quote
  #14 (permalink)  
Old June 6th, 2007, 04:08 PM
zotzer's Avatar
Senior Member
First Mate
 
Join Date: Jan 2006
Posts: 333
Default

I at *least* get medical and evac insurance. It usually costs around $30. Small price to pay.

My insurance plan does NOT cover me when out of the country, and although losing the cost of a cruise is one thing, a $50K bill for a medical evacuation off the ship is another entirely!

Tracy
Reply With Quote
  #15 (permalink)  
Old June 6th, 2007, 08:20 PM
Senior Member
Admiral
 
Join Date: Oct 2005
Posts: 971
Default

Tracey, I totally agree with you. I did not buy trip insurance during my first couple of years of cruising but after seeing a man having to leave the ship via helicopter, I decided it was a good idea to get it. I usually go to insuremytrip.com and get the CSA insurance, the middle of the line package that will cover evacuations such as this. Bob
Reply With Quote
  #16 (permalink)  
Old June 7th, 2007, 08:46 AM
Senior Member
Cruise Maniac
 
Join Date: May 2007
Location: MD
Posts: 226
Default

Has anyone had to file a claim with a non- cruiseline insurance? how did it go?
__________________
5 Carnival
3 Princess
2 Royal Caribbean
1 NCL
1 American Hawaii
1 Celebrity
Holland America 1/15/11
Reply With Quote
  #17 (permalink)  
Old June 7th, 2007, 03:22 PM
Donna's Avatar
Moderator
Admiral
 
Join Date: Aug 2000
Location: on my computer
Posts: 26,456
Send a message via AIM to Donna
Default

I've filed two claims with CSA Travel Protection and both times they did come through. The second time, they took a bit longer and had a small problem that was resolved. Just keep all your paperwork if any illness or accident was involved. They will pay the balance after your regular insurance pays their part.
__________________

Message Boards Moderator
Reply With Quote
  #18 (permalink)  
Old July 25th, 2007, 03:08 PM
Junior Member
Passenger
 
Join Date: Jul 2007
Posts: 25
Default

Its a scam and I would never waste my money on it.
Reply With Quote
  #19 (permalink)  
Old July 25th, 2007, 03:36 PM
Kuki's Avatar
Moderator
Admiral
 
Join Date: Aug 2000
Location: Right here :)
Posts: 22,384
Send a message via AIM to Kuki
Default

Quote:
Originally Posted by bizkilla
Its a scam and I would never waste my money on it.
With that attitude you had better hope you never run into a medical situation while on a ship that required evacuation from the ship. That in itself would be @$30,000, and thats not including the medical treatment that might be necessary in a foreign country.

There are VERY FEW individual health insurance plans which will cover treatment in foreign countries.

There's no need to purchase travel insurance. It simply means you are SELF INSURING. Something happens and YOU"RE responsible for ALL the costs. If you're a gambler, the cost of insurance ( maybe $150) against the possible TENS of thousands in debt doesn't seem like very good odds., but go ahead if you like. Just don't complain later about how the big mean cruise companies show no compassion to your situation.
__________________
C U @ C,
Kuki
CruiseMates' Staff Writer
- The Kuki Side of Cruising-
A new Blog post every Wednesday
http://www.cruisemates.com/blog/author/kuki/
Reply With Quote
  #20 (permalink)  
Old July 25th, 2007, 03:41 PM
Junior Member
Passenger
 
Join Date: Jul 2007
Posts: 25
Default

If you get injured then its your problem. Should have been more careful.

But if the ship is responsible, say you get food poisoning, then they must be held accountable and bear the expenses.

I am a gambler and I know the safe bet would be to fork the $150 and get the insurance, Im just very optimistic that nothing will happen to me.
Reply With Quote
  #21 (permalink)  
Old July 25th, 2007, 04:33 PM
Donna's Avatar
Moderator
Admiral
 
Join Date: Aug 2000
Location: on my computer
Posts: 26,456
Send a message via AIM to Donna
Default

Wow Biz,
Lets just hope nothing ever happens to you and you don't need to use any kind of transportation like a helicopter off a ship, like Kuki said, it could cost you thousands, etc. I personally will not go without travel insurance, just plain stupid. We see all kinds of posts where these things happen and they didn't bother with insurance and then complain about the costs, etc.
__________________

Message Boards Moderator
Reply With Quote
  #22 (permalink)  
Old July 25th, 2007, 04:38 PM
Senior Member
First Mate
 
Join Date: Mar 2006
Posts: 334
Default Insurance

I went in the hospital last December for 2.5 days. $58,000. I would never consider being without insurance at any time.
__________________
Read and post cruise reviews


Tulum Mexico Resort Reviews

Splendour of the Seas 97
Veendam 05
Westerdam 06
Serenade of the Seas 07
Liberty of the Seas 07
Jewel of the Seas 08
Westerdam 09
Volendam 09
Solstice 10
Solstice 10
Caribbean Princess 11
Nieuw Amsterdam 11
Oasis of the Seas 12
Queen Elizabeth 12
Eurodam 13
Carnival Valor 13
Carnival Fantasy 14
Constellation 14
Reply With Quote
  #23 (permalink)  
Old July 28th, 2007, 01:19 PM
Member
Passenger
 
Join Date: Oct 2005
Location: Florida
Posts: 30
Default Cruise insurance

I agree that insurance is a must. You can be careful, but accidents do happen. Having to get air lifted off a ship is a big expense. Heart attacks, appendicitis (sp), and numerous other things can happen to you that no amount of being careful will protect you from a huge expense. Be forewarned.

One day before I was to go on a trip I had chest pains and was admitted to the hospital. I got everything back except the price of the policy. Just a doctor visit can cost you that amt. My daughters came back from cruises and the airports up north were closed and they couldn't fly out. They were delayed in Puerto Rico for 3 days. That was a bit of an expense for all of them and the insurance paid for their additional unplanned vacation days.

just my 2 cents on the subject.

EB
Reply With Quote
Reply

Bookmarks

Similar Threads
Thread Thread Starter Forum Replies Last Post
Cruise Insurance gamom4 Carnival Cruise Lines 14 May 1st, 2007 07:49 PM
cruise insurance dimama Ask CruiseMates Staff 1 April 10th, 2005 10:25 AM
Cruise Insurance ssatterly Family Cruising 11 April 24th, 2004 09:21 PM
cruise insurance jmb Carnival Cruise Lines 2 January 28th, 2004 06:53 PM
Cruise Insurance? dan Holland America 5 May 30th, 2003 11:11 AM


Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On


 

All times are GMT -4. The time now is 09:53 AM.
design by: Themes by Design

Powered by vBulletin® Version 3.8.7 Beta 1
Copyright ©2000 - 2014, vBulletin Solutions, Inc.
Search Engine Friendly URLs by vBSEO 3.6.1