rglbjl Posted September 6, 2010 #1 Share Posted September 6, 2010 How do you handle insurance? As you get older - like me - it gets more necessary (especially the medical portion) and also more expensive. Do you have a policy that covers multiple cruises - such as a yearly policy - or do you buy a policy for each cruise? Link to comment Share on other sites More sharing options...
rkacruiser Posted September 6, 2010 #2 Share Posted September 6, 2010 You are asking a good question. Like you, I am not as young as I used to be and have to be aware of the pre-exisiting conditions exclusion in travel policies. So far, I have been buying a separate policy for each cruise I book. And, price is becoming an issue. I will be interested in learning what others do, too. Link to comment Share on other sites More sharing options...
caddyrag Posted September 6, 2010 #3 Share Posted September 6, 2010 Like you two we are not in the younger years of our lives and purchase insurance for each cruise. I just plan on it as part of my budget for cruising. If there is a cheaper, but same coverage, way I'd love you know. Link to comment Share on other sites More sharing options...
graceinga Posted September 6, 2010 #4 Share Posted September 6, 2010 We cruise twice a year but have yet to purchase insurance. Link to comment Share on other sites More sharing options...
luckycruzer Posted September 6, 2010 #5 Share Posted September 6, 2010 I have carried "health only" insurance..$199 for 365 days.. You can fall ill up to 70 days in a row for coverage, then it starts over with next illness, and so on. It is HTH Worldwide, thru Insuremytrip. you must have a primary as well to buy it. not travel stuff insurance just medical Link to comment Share on other sites More sharing options...
firefly333 Posted September 6, 2010 #6 Share Posted September 6, 2010 Im crossing my fingers. I rarely buy insurance. As often as Im cruising, it would be a lot of out of pocket extra a year. Link to comment Share on other sites More sharing options...
golfadj Posted September 6, 2010 #7 Share Posted September 6, 2010 Our medical insurance covers us worldwide so we do not purchase insurance but self insure. The only worry is if one of us had to be medivac. Would hurt us but would not destroy us financially. Figure if we miss a cruise somewhere along the way for travel reasons we come out ahead in the long run. Works for us but not for everyone. Link to comment Share on other sites More sharing options...
JPH814 Posted September 6, 2010 #8 Share Posted September 6, 2010 I have carried "health only" insurance..$199 for 365 days.. You can fall ill up to 70 days in a row for coverage, then it starts over with next illness, and so on. It is HTH Worldwide, thru Insuremytrip. you must have a primary as well to buy it. not travel stuff insurance just medical I have used HTH Worldwide as well. They have thier own website and you can buy direct from them. You can buy by trip - which is what I do - and also for an extended period. Company has a good reputation Link to comment Share on other sites More sharing options...
Cruisin'Trooper Posted September 6, 2010 #9 Share Posted September 6, 2010 Our health insurance covers us world wide. The only insurance we buy is trip interruption insurance. We had to use it once when a family member ended up in the hospital a few days before we left. The process to get our money back from the insurance company was smooth, so for a few dollars, we always get it. Link to comment Share on other sites More sharing options...
floatingaway2525 Posted September 6, 2010 #10 Share Posted September 6, 2010 You can go to travelguard dot com and get an idea of an annual trip policy. For someone in their 50's-60's it would run from $250-300 a year but it would cover all types of travel not just cruising. You can judge if it's worth it for how much you are traveling...hth...:) Link to comment Share on other sites More sharing options...
EmmasNana Posted September 6, 2010 #11 Share Posted September 6, 2010 I am mostly book marking this to review later. I have just started looking for something like an annual insurance. We are doing about 3-4 cruises a year but next year will still do most likely 3 cruises and 2 weeks in Italy. I'm thinking a yearly insurance premium would be better next year. My individual insurance does take care of me, but not medivac(I don't think) and DH is on medicare so I have just been purchasing for both of us. Link to comment Share on other sites More sharing options...
oldstubblejumper Posted September 6, 2010 #12 Share Posted September 6, 2010 My credit card (MBNA) has a travel package that includes medical and travel insurance - $220 for 365 days. Max 21 days per trip. OSJ Link to comment Share on other sites More sharing options...
floatingaway2525 Posted September 6, 2010 #13 Share Posted September 6, 2010 My credit card (MBNA) has a travel package that includes medical and travel insurance - $220 for 365 days. Max 21 days per trip.OSJ Oooh that's a great price, and a great idea to check credit cards and bank accounts to see if they offer it, thanks!!:D Link to comment Share on other sites More sharing options...
floatingaway2525 Posted September 6, 2010 #14 Share Posted September 6, 2010 You know, Carnival could offer a type of annual for frequent cruisers too hmmmm..... Link to comment Share on other sites More sharing options...
satbeachbill Posted September 6, 2010 #15 Share Posted September 6, 2010 "You know, Carnival could offer a type of annual for frequent cruisers too hmmmm" Yeah, as a platium perk!!:D Link to comment Share on other sites More sharing options...
hunnypot1 Posted September 6, 2010 #16 Share Posted September 6, 2010 I wonder if AAA offers anything like this. Will have to research. Link to comment Share on other sites More sharing options...
floatingaway2525 Posted September 7, 2010 #17 Share Posted September 7, 2010 "You know, Carnival could offer a type of annual for frequent cruisers too hmmmm" Yeah, as a platium perk!!:D Great idea!!!:D;) Link to comment Share on other sites More sharing options...
mamasue Posted September 7, 2010 #18 Share Posted September 7, 2010 We just have a yearly travel health policy from Travelguard. DH and I are both 60-ish, and we travel a lot. It's just under $300, and it's their Medevac policy. Thank God we've never had to use it, so I can't comment on the service.... but it's reassuring to know it's there. It doesn't cover stuff like luggage and cancellations, but that's not so important to us. Link to comment Share on other sites More sharing options...
scperk Posted September 7, 2010 #19 Share Posted September 7, 2010 If you have to use the insurance once, you will always have it..My DW had an addendix attack at age 50 2 weeks before our cruise...We got back all our cruise fare and airfare so we went about a month later....We got back all our airfare and re-booked for a $50 rebooking fee so our airfare was only $50...Lose your luggage once and it will pay for itself, and for us it's about $70 per person....:)...Dennis Link to comment Share on other sites More sharing options...
adjburch Posted September 7, 2010 #20 Share Posted September 7, 2010 Trying to bookmark this so I can come back and read later. I leave for a cruise in less than a week and purchased the insurance thru carnival this time since it is in hurrican season. (I always purchase travel insurance just not always thru the cruiseline) But for the life of me I have NO IDEA what it covers. The cruise line sends you nothing!!! I don't know what the insurance covers. When I purchase it with the other companies they mail me all kinds of info and stickers for my luggage. I will have to call Carnival tomorrow. Link to comment Share on other sites More sharing options...
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