jvparish Posted August 14, 2014 #1 Share Posted August 14, 2014 We are sailing Oct 4th out of Miami with my in laws. My husband and I got vacation insurance thru an outside company. My in laws are in their 80's and I thought it might be better/easier for them to purchase the insurance thru carnival. It is compariable to outside companies due to their age. Has anyone had any experience with the Carnival Insurance and would it be better to go with an outside company? Link to comment Share on other sites More sharing options...
Rare sparks1093 Posted August 14, 2014 #2 Share Posted August 14, 2014 I would compare cost and coverage. CCL should have a copy of the policy on the website or that they can send you and you can compare many third party plans at www.insuremytrip.com. I have heard that CCL's plan does not take traveler age into account whereas a third party insurer will. Link to comment Share on other sites More sharing options...
jvparish Posted August 14, 2014 Author #3 Share Posted August 14, 2014 I would compare cost and coverage. CCL should have a copy of the policy on the website or that they can send you and you can compare many third party plans at www.insuremytrip.com. I have heard that CCL's plan does not take traveler age into account whereas a third party insurer will. That is what I found out when comparing cost with regards to their age. The other companies were higher than Carnival. I was just wondering if it was easier to use on the ship if they needed to see a doctor or deal with the evactuation if needed. (God forbid they have to use it :( ) At their age carnival just seemed easier to deal with. Link to comment Share on other sites More sharing options...
americaneskimo1 Posted August 14, 2014 #4 Share Posted August 14, 2014 Check with carnival to see if they cover pre existing conditions. I have been told in the past that they don't. The outside companies will cover pre existing conditions if you purchase the insurance within a certain time period after you book the cruise. You can also add your flights to the outside insurance if you are flying. It's cheaper for us to buy via outside company but more expensive for my parents but they have more pre existing conditions..... So, I always buy outside. Sent from my iPad using Forums Link to comment Share on other sites More sharing options...
klfrodo Posted August 14, 2014 #5 Share Posted August 14, 2014 A couple of things. The insurance you bought through Carnival automatically includes Cancel For Any Reason Second. Carnival doesn't manage the insurance. They only offer and sell it. I believe the coverage is actually thru Berkley. Please note that all travel insurance ( the plan you purchased and the plan you in-laws purchased) are reimbursement only. In other words, You are expected to pay for all services up front with cash or credit card,, THEN, when you return, you file a claim to be reimbursed. In some instances for major medical, the insurance company "May" provide a letter of ability to pay or forward some cash to begin treatment, but only on a limited basis. If you miss a flight, you pay then file for reimbursement. Need medical care on the ship, you pay, then file for reimbursement. You need to be medevac'd off the ship,,, US Coast Guard does it for free. Link to comment Share on other sites More sharing options...
jvparish Posted August 15, 2014 Author #6 Share Posted August 15, 2014 Thanks Everyone who replied. We have decided to purchase with an outside company for the in laws. Link to comment Share on other sites More sharing options...
Cheetah474 Posted August 15, 2014 #7 Share Posted August 15, 2014 I strongly suggest insuremytrip.com. I've used them for most of my international trips and have been happy with the cost and coverage. It does make a difference about the age of the passengers so I'm wary of plans that don't consider that in their coverage or pricing. Sent from my iPhone using Forums Link to comment Share on other sites More sharing options...
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