If you cruise more than once a year -

[rglbjl]

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?

[rkacruiser]

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.

[caddyrag]

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.

[graceinga]

We cruise twice a year but have yet to purchase insurance.

[luckycruzer]

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

[firefly333]

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.

[golfadj]

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.

[JPH814]

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

[Cruisin'Trooper]

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.

[floatingaway2525]

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...:)

[EmmasNana]

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.

[oldstubblejumper]

My credit card (MBNA) has a travel package that includes medical and travel insurance - $220 for 365 days. Max 21 days per trip.

OSJ

[floatingaway2525]

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

[floatingaway2525]

You know, Carnival could offer a type of annual for frequent cruisers too hmmmm.....

[satbeachbill]

"You know, Carnival could offer a type of annual for frequent cruisers too hmmmm"

Yeah, as a platium perk!!:D

[hunnypot1]

I wonder if AAA offers anything like this. Will have to research.

[floatingaway2525]

"You know, Carnival could offer a type of annual for frequent cruisers too hmmmm"

 

 

Yeah, as a platium perk!!:D

 

Great idea!!!:D;)

[mamasue]

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.

[scperk]

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

[adjburch]

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.