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Old August 4th, 2009, 09:43 PM
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Default Cruise Insurance ???

Hello,

I have been on two cruises and used the default cruise insurance. I am curious if there are other insurance programs that are better. I will be doing my own air arrangements and RCCL willl only do 75% in cruise credit if I have to cancel because of air travel problems. While I am arriving a day early I still worry since I will be traveling from Denver in March when freak snow storms hit.
Thanks for any help
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Old August 4th, 2009, 09:57 PM
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www.insuremytrip.com for quotes from many companies
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Old August 4th, 2009, 10:20 PM
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I have used Insuremytrip to compare policies too- somehow I always seem to end up purchasing from Travelex Insurance, they have the max coverage with good rates that I want..
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Old August 7th, 2009, 09:37 PM
SheilaA
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Quote:
Originally Posted by Matelot
I have used Insuremytrip to compare policies too- somehow I always seem to end up purchasing from Travelex Insurance, they have the max coverage with good rates that I want..
Crazy question: What is the insurance for? Is it in addition to what RCI offers, or is it another kind of insurance? The only reason I ask is because other than the RCI travel insurance, I've never purchased any other insurance (for a cruise). I have life and medical insurance, but I have a feeling that you are talking about something way different. Thank you for the info
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Old August 7th, 2009, 10:02 PM
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While the insurance with the cruise lines is ok there are other companies that offer the same type of insurance. Usually it is at a lower cost and has better options. Its just another area that can be cheaper like airfare and excursions if you book independently instead of through the cruise line.
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Old August 8th, 2009, 12:19 AM
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Several of the Insurance companies allow you to purchase up to 24 hours prior to the date you leave, thus, you can check on the weather forcast just before leaving and still have time to buy the insurance if you wish.

If you are going to some extremely exotic, remote location (cruise or no cruise) you might consider your risks, your health and whether you might need to be Medevac from that location to a hospital. It could easily cost $100,000 to be flown from Mt. Everest to a hospital that can set a broken leg (as an example).

Most people just want insurance for weather related dislocations or family illness, etc.
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Old August 8th, 2009, 07:44 AM
SheilaA
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Quote:
Originally Posted by Shellid73
While the insurance with the cruise lines is ok there are other companies that offer the same type of insurance. Usually it is at a lower cost and has better options. Its just another area that can be cheaper like airfare and excursions if you book independently instead of through the cruise line.
I booked through a travel agency and go the standard "$49.00" trip insurance in case I have to cancel, but I need additional insurance for health reasons, etc. I've never really thought about that in all my cruising history. I think I'd better get some insurance . Thank everyone for their response and happy cruising to you all.
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Old August 8th, 2009, 09:46 AM
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You can cancel your cruise up 'til 60 days out for any reason whatsoever.

Cruise insurance lets you cancel and get a refund if something happens at the last minute. Policies vary, so you should read yours carefully, but typically cruise insurance would reimburse your cruise ticket price if you get sick, if a family member dies, if weather prevents you from reaching the port, etc.

Cruise insurance also pays if you get sick onboard or if you need to be evacuated from the ship and brought back to a US hospital. Your regular health insurance might or might not pay these costs.
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Old August 8th, 2009, 02:25 PM
SheilaA
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Quote:
Originally Posted by CornerAftPlease!
You can cancel your cruise up 'til 60 days out for any reason whatsoever.

Cruise insurance lets you cancel and get a refund if something happens at the last minute. Policies vary, so you should read yours carefully, but typically cruise insurance would reimburse your cruise ticket price if you get sick, if a family member dies, if weather prevents you from reaching the port, etc.

Cruise insurance also pays if you get sick onboard or if you need to be evacuated from the ship and brought back to a US hospital. Your regular health insurance might or might not pay these costs.
Yeah, the first part I know about (illness, weather, etc.), I guess I just never thought about the second part (sick on board, etc.) I think I'd better look into getting some insurance Thanks
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Old August 8th, 2009, 03:55 PM
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I can't recommend insurance enough. DH and I have always been healthy, especially him. I have asthama. We were scheduled to cruise to Alaska on May 22. On May 7 he had a heart attack.

We are in Canada so. while it's not exactly the same as to who you buy insurance from, you should always have insurance.

I'm not interested in the cruiselines insurance. You still lose money. I want combination cancellation/medical insurance.

btw - we have always had insurance.
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Just completed - Celebrity Reflection, Nov. 22 (learning to sail solo) followed by Independence of the Seas Nov. 30.





44 cruises - too many to list however cruiselines are in no particular order:

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