I would recommend calling your insurance company to see if they cover you abroad. This thread got me curious, so I called mine. We have Blue Cross Blue Shield and it turns out we are covered on the ship and out of the U.S. as if we are in network. I might have to pay up front, but I will be reimbursed after I submit expenses.
To cover medical evacuation up to $100,000 and some add on benefits, I have a family membership to DAN (Diver Alert Network). It costs $55 per year and you don't need to be a certified diver. A friend's son got extremely ill while in China and the evacuation cost him over $50,000 to get his family back to the U.S. His story motivated me to join DAN.
As for protecting the cost of the trip, I come from the camp of only insure what you can't afford to lose. Missing our cruise would save me money :-). The cost of the cruise would be a sunk cost, but the cost of the cruise is merely the beginning of cash drain.
Travel insurance yes or no
in Royal Caribbean International
Posted
I would recommend calling your insurance company to see if they cover you abroad. This thread got me curious, so I called mine. We have Blue Cross Blue Shield and it turns out we are covered on the ship and out of the U.S. as if we are in network. I might have to pay up front, but I will be reimbursed after I submit expenses.
To cover medical evacuation up to $100,000 and some add on benefits, I have a family membership to DAN (Diver Alert Network). It costs $55 per year and you don't need to be a certified diver. A friend's son got extremely ill while in China and the evacuation cost him over $50,000 to get his family back to the U.S. His story motivated me to join DAN.
As for protecting the cost of the trip, I come from the camp of only insure what you can't afford to lose. Missing our cruise would save me money :-). The cost of the cruise would be a sunk cost, but the cost of the cruise is merely the beginning of cash drain.