We have a cruise planned and I want to make sure we are covered as far as insurance. For several years we declined insurance coverage and (thankfully) had no issues. My medical coverage has decent international benefits and we are generally healthy. After a flight delay almost made us miss a cruise last year we have reconsidered our need for it.
We have a fairly complicated itinerary compared to most of our previous trips which were closed loop and usually involved us driving to/ from the port. Our upcoming cruise involves 3 flight connections to get to the departure port, 2 nights pre-cruise hotel, the cruise itself, land travel to departure airport, 2 nights hotel there, and finally 3 connections for flights to get home.
I originally booked separate insurance through the airlines for the flights. It was through Allianz. I added the standard NCL coverage to the cruise booking.
After considering the total cost of this trip I wondered if it might be best to book a separate policy that would cover the entire trip. I'm way past my date to cancel the flight insurance but Allianz said if I booked another policy through them that they would refund (and cancel) the flight policy. For that reason I'm focused on Allianz since I would otherwise be past the date to cancel and I don't want to lose $.
If I cancel the standard coverage from NCL https://affinitytravelcert.com/document/pdfs/NCL_Standard_Generic_COI_7_21.pdf and book the One Trip Prime option from Allianz https://www.allianztravelinsurance.com/find-a-plan/onetrip-prime.htm I could save a couple hundred $. I looked at the annual plans but (for this year) it doesn't make sense for us. There are times when an annual plan might work but for various reasons we likely won't have much non work related travel .
Is this a good plan? Should I keep both policies? I really like the potential to save $ with the Allianz policy but not if it's going to put us at risk if we have to cancel. Will there be any issues with NCL if I miss the cruise and have coverage under the Allianz policy?