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Old January 27th, 2008, 02:25 PM
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Default Travel Insurance

I was wondering is Travel Insurance worth the extra money if 5 people are going on a cruise, including 2 children. Thanks for your help.
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Old January 27th, 2008, 02:31 PM
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Absolutely!! I just had to cancel a cruise last month when I broke my wrist which required surgery the day before departure. The full amount of the cruise fare was refunded by the insurance company for both me and my traveling companion. For 5 people, thats a lot of money to lose if someone should have an unfortunate accident.
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Old January 27th, 2008, 03:07 PM
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Default Travel Insurance

Don't even think of leaving home without it
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Old January 27th, 2008, 06:54 PM
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I always buy it.
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Old January 28th, 2008, 06:32 AM
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Default Insurance - Yes or No?

By all means, buy the insurance.

I always buy it, EXCEPT on our last cruise (October). A passenger had a heart attack, we had to head back to Honolulu so he could be evacuated. Arrived late in San Diego, so I had to change my airline tickets, which cost us $740, plus had to spend an extra night in San Diego - $175.

Ask me if I'll ever skip buying the insurance again.
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Old January 28th, 2008, 12:06 PM
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Isurance is so worth it. It comes in handy. I would never book a vavation without it
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Old January 29th, 2008, 09:41 PM
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only if you need it and don't have it. By all means purchase it, the peace of mind is worth the price.
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Old January 30th, 2008, 08:30 PM
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Go to insuremytrip.com, and get side by side comparisons, to see what is best for you..reemeber to add in hotels flights etc to get the complete total for your trip....the piece of mind you will have, is worth every penny!
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Old January 31st, 2008, 07:37 PM
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Default Re: Travel Insurance

lzyby57,

Quote:
Originally Posted by You
I was wondering is Travel Insurance worth the extra money if 5 people are going on a cruise, including 2 children. Thanks for your help.
A priori, an insurance policy is always a losing bet. From the revenue that an insurance company receives in premiums, it must (1) pay the apportioned salaries and benefits of the staff who handle the policies (recording, processing claims, etc.), (2) settle all claims, (3) cover an apportioned share of its overhead expenses (management, office space, office equipment and supplies, postage, etc.), and (4) generate a profit for its shareholders. Over the long term, what you will receive in claims will be a small fraction of what you will pay in premiums. In fact, you'll get more back from a state lottery, which pays out about $0.40 per dollar spent on tickets.

So fundamentally, it does not make sense to purchase insuance to cover a loss that you can absorb. And anybody who cannot absorb a loss equal to the cost of a vacation cannot afford that vacation.

There is one situation in which insurance does make sense, and in fact is necessary. We all need to buy insurance to protect ourselves against losses that we legitimately cannot afford. It makes sense to buy insurance policies that will cover major medical expenses, replacement of our homes in event of destruction, liability for damage or injury caused by accidents in which we are at fault, etc., because few of us could absorb those losses on our own.

And in the latter category, we also should have insurance that will cover emergency medical care or medical evacuation when we are travelling abroad because, again, many of us cannot afford such an expense.

But to insure the trip itself? No way!

Norm.
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Old February 1st, 2008, 07:44 PM
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get it ! only insure the things that are nonrefundable( ie) airfare. The medical portion of the insurance can be the most important. The ship is considered a foreign country and you are not covered by Blue Cross for example.
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