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.
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
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
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.
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
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.
2 Royal Caribbean
1 American Hawaii
Holland America 1/15/11
Freedom Of The Seas -07
Radiance Of The Seas-07
Adventure Of The Seas-05
Navigator Of The Seas-04
Soverign Of The Seas-02
Big Red Boat-93
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
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.
SS Ithaca , Volendam , Mariner of the Seas (x2) , Veendam , Coral Princess , Island Princess (x3) , Emerald Princess,Sapphire Sapphire (x3),Diamond Princess
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
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.
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.
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.
I went in the hospital last December for 2.5 days. $58,000. I would never consider being without insurance at any time.
Splendour of the Seas 97
Serenade of the Seas 07
Liberty of the Seas 07
Jewel of the Seas 08
Caribbean Princess 11
Nieuw Amsterdam 11
Oasis of the Seas 12
Queen Elizabeth 12
Carnival Valor 13
Carnival Fantasy 14
Carnival Valor 15
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.