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  #1 (permalink)  
Old September 9th, 2007, 01:54 PM
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Default Questions about cruise insurance

Much appreciated if I get answers for the following questions:

1) If I go with Company-A to pay for my cruise, then do I need t use Company-A to purchase for the cruise insurance? Or, do I have other options to purchase cruise insurance with another compay??

2) My friend is 75 yrs old, and he was quoted for $197 USD for cruise insurance. Does this rate sound right??? If you were wondering how much he paid for the cruise; He paid $750. Wanted to know why insurance cost so much.

3) what does the cruise insurance cover? I'm guessing all medical expenses and/or full reimburstment in case he couldn't make the cruise??? And, is the passenger responsible for any additional fee??

Thank you.
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Old September 9th, 2007, 02:36 PM
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It does sound high. We always go thru insuremytrip.com and find a company that we like, usually TravelGuard or CSA. They give free quotes after you put in some variables such as age, destination and length of vacation. Don't just insure the cruise, add in the travel day before and after. We cover the whole vacation.
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Old September 9th, 2007, 08:35 PM
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One thing to remember, do not buy the cruise insurance directly from the cruise line, always use a third party. I also like the CSA policy. Bob
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Old September 9th, 2007, 09:28 PM
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You and the other party should realize that unless you buy the insurance within 2 weeks of the initial payment of the cruise, you do not have complete full coverage. After 2 weeks from initial payment, there are pre existing exclusions.

Read everything in the plan that you consider buying. Ask questions, get details.

Phil & Liz
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Old September 9th, 2007, 09:47 PM
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Quote:
Originally Posted by CA Cruiser
It does sound high. We always go thru insuremytrip.com and find a company that we like, usually TravelGuard or CSA. They give free quotes after you put in some variables such as age, destination and length of vacation. Don't just insure the cruise, add in the travel day before and after. We cover the whole vacation.
What's the website for these companies you recommended? I will contact 'em for additional info.

thank you.
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Old September 9th, 2007, 09:56 PM
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Quote:
Originally Posted by Phil&Liz
You and the other party should realize that unless you buy the insurance within 2 weeks of the initial payment of the cruise, you do not have complete full coverage. After 2 weeks from initial payment, there are pre existing exclusions.

Read everything in the plan that you consider buying. Ask questions, get details.

Phil & Liz
Thanks for the insight. very much appreciated.
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Old September 10th, 2007, 04:07 PM
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Default Re: Questions about cruise insurance

Quote:
Originally Posted by xCalBear
Much appreciated if I get answers for the following questions:

1) If I go with Company-A to pay for my cruise, then do I need t use Company-A to purchase for the cruise insurance? Or, do I have other options to purchase cruise insurance with another compay??.
Are you talking about going through one travel agent / agency for your cruise and paying your travel insurance through another one. If this is the case, I would suggest HIGHLY against. If you need to actually make a claim, it is going to get very complicated very fast with neither agent being able to lend help (or want to!).

If you are talking about purchasing through the cruise line, I would suggest against it as it is usually more expensive and doesn't cover you for things like cruise line default, etc.

Quote:
Originally Posted by xCalBear
2) My friend is 75 yrs old, and he was quoted for $197 USD for cruise insurance. Does this rate sound right??? If you were wondering how much he paid for the cruise; He paid $750. Wanted to know why insurance cost so much.
That price does sound high, but unless we know what type of policy he is paying for, it could be cheap. If he is buying a policy that offers 90% of his money back for an any reason cancellation coupled with his age, it is very reasonable. Some insurance companies charge for age related policies while others don't.

Quote:
Originally Posted by xCalBear
3) what does the cruise insurance cover? I'm guessing all medical expenses and/or full reimburstment in case he couldn't make the cruise??? And, is the passenger responsible for any additional fee??
Again, this all depends on the policy and the insurer. Considering the shear number of travel insurers and different types of policies (I was on the one company's site and they had at least 10 different policies, each just a little different from the next. Plus, you could add different options on each one.) This is one of the reasons that I always suggest booking a trip with a travel agent and one that knows their insurance products inside and out. Insurance is a VERY tricky thing and there's lots of small print. A good travel agent will be able to buy you a policy that covers exactly what you need to be covered.

The last thing I would hate to see is someone thinking that they are covered for something that they are not.
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Old September 10th, 2007, 04:09 PM
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Quote:
Originally Posted by Phil&Liz
You and the other party should realize that unless you buy the insurance within 2 weeks of the initial payment of the cruise, you do not have complete full coverage. After 2 weeks from initial payment, there are pre existing exclusions.

Read everything in the plan that you consider buying. Ask questions, get details.

Phil & Liz
Agree with you Phil & Liz on reading everything in the plan.

Also, the pre-existing exclusions vary from insurer to insurer. Some require you to buy within 3 - 7 days of making the initial deposit. You need to ask when you put a deposit on a cruise, if you are considering insurance, what the exact policies are.
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Old September 10th, 2007, 04:44 PM
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BornOnJuly4th:

What is your opinion on http://www.csatravelprotection.com/ ? Personally, I do not know anything about this company, but Vacations To Go and another member from this site recommended CSA. I just wanted basic coverage to cover cruise, airfare, personal property damage [camera/lugguage(s)/significant other (in case she ran off, missing, or stolen]).

Well, I already paid in full for my cruises with Company-A, but I am considering purchasing my policy with [http://www.csatravelprotection.com/] -- is this good idea? Have you personally filed a claim with this company and what was the process like? I just wanted more feedbacks before I purchase a policy with CSA.
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Old September 10th, 2007, 06:40 PM
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Default Insurance

I used www. insuremytrip.com and used the company Access America.

Go there and as the other responder said, put in your info and up will come the different companies and their prices. You need to buy it within 2 weeks of initial deposit to get a pre existing waiver or purchase it within a certain amount of days before sailing to be completely covered. The 75 yr old person will be a higher fee. If I recall you are younger and you should be cheaper. I picked my policy as it allowed more for certain coverages and less hours for a delay in connections. You can call each company that you are trying to decide on to ask them to explain their polciy to you. The #"s are on the site.

If you have a claim you just need to send them copies of your receipts, check or statement. They tell you what you want. You have a certain amount of time to get info to them, but you have more than enough.

Make sure you add your precruise and after cruise days. My daughters got after cruise days as the airports were snowed in and they couldn't get flights out of SJU and Fl to the northeast for 3 days. Happened 2X for one of them. That was all covered up to a certain amt. which was peanuts.

Hope this helps. Elly
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Old September 11th, 2007, 11:38 AM
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Default Re: Insurance

Quote:
Originally Posted by ellybarber
I used www. insuremytrip.com and used the company Access America.

Go there and as the other responder said, put in your info and up will come the different companies and their prices. You need to buy it within 2 weeks of initial deposit to get a pre existing waiver or purchase it within a certain amount of days before sailing to be completely covered. The 75 yr old person will be a higher fee. If I recall you are younger and you should be cheaper. I picked my policy as it allowed more for certain coverages and less hours for a delay in connections. You can call each company that you are trying to decide on to ask them to explain their polciy to you. The #"s are on the site.

If you have a claim you just need to send them copies of your receipts, check or statement. They tell you what you want. You have a certain amount of time to get info to them, but you have more than enough.

Make sure you add your precruise and after cruise days. My daughters got after cruise days as the airports were snowed in and they couldn't get flights out of SJU and Fl to the northeast for 3 days. Happened 2X for one of them. That was all covered up to a certain amt. which was peanuts.

Hope this helps. Elly
Hello again stranger,

thanks for the info. Yes, I am physically young, but mentally, I am very old...I got that from cruising with old people.

CSA quoted me 78 buckaroos for two cruises from Europe (28 days). Not bad, huh? I wonder if the policy cover my laptop and phone. I will need to ask 'em.
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