XP: complicated insurance question

[flyboyswife]

Travelling with my parents and husband's parents. 3 rooms. Used 2 military discounts and 1 past guest discount to book rooms. In order to use the discounts, I had to split people up. So, my parents, both former military, are split up so that my mom booked a room with her military id, and my dad booked another room with his military id. I booked a room with my past guest discount. My husband and my in-laws are split up to be the second person in each of the 3 booked rooms.

 

Clear as mud?

 

I was informed that this was a quite common booking technique and that on the first day of the cruise, we'd all just go to guest services/concierge and get the room cards straightened out.

 

So, my question....

 

I'm now in the process of getting trip insurance. The price of the rooms cost different amounts (2 are ocean-suites, 1 is a balcony). The price of insurance is based on the cost of the trip.

 

Should I give the cost of the trip to the insurance company as the price each couple is actually paying OR the price of the individual person as identified in the booking? My in-laws will be splitting a balcony room, but according to the booking, my mother-in-law is in an ocean-suite, and my father-in-law is in a balcony.

 

Is it better to over price the cost of the trip for insurance purposes? Does it make a difference for insurance purposes if the booking reflects the couple travelling together to actually be in different rooms?

 

Any advice is appreciated!! Thanks in advance!

[Ken076]

Travelling with my parents and husband's parents. 3 rooms. Used 2 military discounts and 1 past guest discount to book rooms. In order to use the discounts, I had to split people up. So, my parents, both former military, are split up so that my mom booked a room with her military id, and my dad booked another room with his military id. I booked a room with my past guest discount. My husband and my in-laws are split up to be the second person in each of the 3 booked rooms.

 

Clear as mud?

 

I was informed that this was a quite common booking technique and that on the first day of the cruise, we'd all just go to guest services/concierge and get the room cards straightened out.

 

So, my question....

 

I'm now in the process of getting trip insurance. The price of the rooms cost different amounts (2 are ocean-suites, 1 is a balcony). The price of insurance is based on the cost of the trip.

 

Should I give the cost of the trip to the insurance company as the price each couple is actually paying OR the price of the individual person as identified in the booking? My in-laws will be splitting a balcony room, but according to the booking, my mother-in-law is in an ocean-suite, and my father-in-law is in a balcony.

 

Is it better to over price the cost of the trip for insurance purposes? Does it make a difference for insurance purposes if the booking reflects the couple travelling together to actually be in different rooms?

 

Any advice is appreciated!! Thanks in advance!

 

For insurance, the booking arrangements are irrelevant. You can get a Policy for each couple and simply calculate the costs per person and add together. Or you can get a Policy for the whole group and just add everything up. ken

[Smithkids5521]

I think you should list the cost that each set of parents would be out of pocket if they had to cancel...so for example if by using your mother's military ID- the cost out of your in laws pockets for the balcony was $800 per person (just an example), I think that is how much you should use for insurance purposes...

 

But the more I think of it- let's say the worst happens and your parents are not able to go. How would your in laws get their cabins? Is it possible that after final payment is made, you can call Carnival and get the names corrected? I think they charge a fee per person, but it may be worth it...it could get very tricky if someone has to cancel...

 

I hope everyone has a wonderful time!!

[flyboyswife]

thanks everyone!

[poolparty4]

I just booked my trip insurance through insuremytrip.com and it was $75 for 4 of us. Carnival wanted $256 for the same basic policy with less medical coverage. I also called and talked to one of their reps and he answered all my questions an helped me find the best policy. They have several types to choose from.