Travel insurance....

[cherylandtk]

The only reason not to purchase a policy from the cruiseline or tour operator is because of bankruptcy risk. This is more likely with smaller tour operators than any of the mass market cruiselines. Given the age cost increases from third party providers, many older pax choose to go with cruise line policies. There is little risk in that.

[dominichunter]

Thanks Cheryl & Mike

[Ken076]

We always buy travel guard but now their prices have gone up very high they factor in age, days on the cruise, where you are going and if you want pre-existing condition, you have to buy it 21 days after you book trip and we are past that date (Note that the RCL policy does NOT include "Waiver of pre-existing conditions" no matter when you buy it and has a 60 day look-back for pre-existing conditions from the time you purchase/pay-for the Policy).

 

RCL uses Berkley and so we are thinking of going with them. If we buy our air through RCL, that is included in the same price (you can actually independently book your air and it's still included in the RCL package with no premium increase).

 

IMO the main downside of the RCI Policy is the $10,000 medical coverage is IMO pretty minimal and the $30,000 MedEvac is IMO marginal. I'd double-check to verify that the TravelGuard premium is really as high as you mentioned - maybe call insuremytrip or squaremouth or ..... and ask?

 

ken

Edited June 9, 2014 by Ken076

[irismike]

Thanks Ken I will check them out. Iris

[iuki]

The only reason not to purchase a policy from the cruiseline or tour operator is because of bankruptcy risk. This is more likely with smaller tour operators than any of the mass market cruiselines. Given the age cost increases from third party providers, many older pax choose to go with cruise line policies. There is little risk in that.

 

Glad you mentioned the bankruptcy issue. We paid almost $2,000 for a 7-yr extended warranty on our travel trailer. The warranty company went bankrupt and, as luck would have it, our 4-year-old travel trailer delaminated, resulting in water damage, and it is not covered under any warranty. I will stick with the cruise line insurance.

 

Thanks for the reminder. :cool: