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

LinkBack Thread Tools Search this Thread Display Modes
  #1 (permalink)  
Old January 27th, 2008, 02:25 PM
Junior Member
Welcome Newcomer
Join Date: Jan 2008
Posts: 8
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.
Reply With Quote
Sponsored Links
  #2 (permalink)  
Old January 27th, 2008, 02:31 PM
Senior Member
Cruise Maniac
Join Date: Oct 2005
Posts: 168

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.
Reply With Quote
  #3 (permalink)  
Old January 27th, 2008, 03:07 PM
Senior Member
First Mate
Join Date: Mar 2006
Posts: 335
Default Travel Insurance

Don't even think of leaving home without it
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
Carnival Valor 15
Allure of the Seas 16
Equinox 17
Equinox 17
Caribe Princess 17
Equinox 18
Reply With Quote
  #4 (permalink)  
Old January 27th, 2008, 06:54 PM
jimt's Avatar
Senior Member
Cruise Maniac
Join Date: Aug 2003
Posts: 201

I always buy it.
40+ cruises

Reply With Quote
  #5 (permalink)  
Old January 28th, 2008, 06:32 AM
Pootersdad's Avatar
Senior Member
Join Date: Mar 2004
Location: I'd Rather Be Cruising
Posts: 883
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.
Serenade of the Seas b2b January 2016
Serenade of the Seas b2b January 2017
Reply With Quote
  #6 (permalink)  
Old January 28th, 2008, 12:06 PM
Senior Member
Cruise Maniac
Join Date: Jan 2008
Location: southest michigan
Posts: 146

Isurance is so worth it. It comes in handy. I would never book a vavation without it
Reply With Quote
  #7 (permalink)  
Old January 29th, 2008, 09:41 PM
Senior Member
First Mate
Join Date: Feb 2007
Location: pennsylvania
Posts: 395

only if you need it and don't have it. By all means purchase it, the peace of mind is worth the price.
1999 "Fantasy"2000 "Imagination"
2002 Celebrity " Galaxy"2004 "Glory"
2004"Victory"2007 "Liberty"
2007" Explorer of the Seas
2009 "Valor"2009 "Fascination"
2011 " Pride"2014 "Adventure of the Seas"
2015 "NCL Breakaway"
2015 Celebrity "Millennium" Alaska cruise tour
2016 " NCL Pride of America" Hawaiian cruise
2017 "NCL Breakaway"
Reply With Quote
  #8 (permalink)  
Old January 30th, 2008, 08:30 PM
Trip's Avatar
Join Date: Aug 2000
Location: Boston
Posts: 20,399
Send a message via ICQ to Trip

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!

Trip, with her book & tea!
Chat Hostess & Board Moderator

Reply With Quote
  #9 (permalink)  
Old January 31st, 2008, 07:37 PM
Senior Member
Join Date: May 2003
Location: Massachusetts
Posts: 4,770
Default Re: Travel Insurance


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!

Reply With Quote
  #10 (permalink)  
Old February 1st, 2008, 07:44 PM
Senior Member
First Mate
Join Date: Nov 2005
Posts: 287

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.
Reply With Quote


caribbean, carribean, cruise, cruisecare, insurance, review, royal, travel, worth

Similar Threads
Thread Thread Starter Forum Replies Last Post
Travel Insurance katluc Carnival Cruise Lines 9 May 31st, 2010 03:13 PM
? About Travel insurance nlb1050 Ask CruiseMates Staff 7 January 25th, 2008 03:47 PM
Travel Insurance Tink63 Ask CruiseMates Staff 41 July 18th, 2005 02:44 PM
travel insurance? Always? Denise77 Chit - Chat for Cruisers 12 April 30th, 2003 03:59 PM
travel insurance Julie Caribbean & Panama Canal 6 November 4th, 2002 11:22 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 08:51 PM.
design by: Themes by Design

Search Engine Friendly URLs by vBSEO 3.6.1