Nana57 Posted February 15, 2016 #1 Share Posted February 15, 2016 Anyone purchase this insurance thru RCI? I usually get Travel Guard Gold when we cruise. Is it comparable to Travel Guard? It has evacuation insurance. Link to comment Share on other sites More sharing options...
Rare Hlitner Posted February 15, 2016 #2 Share Posted February 15, 2016 I will post my usual warning/caution. Read any insurance policy BEFORE you purchase and pay particular attention to the coverage limits. If you have decent health insurance which covers you outside your home country, than extra medical coverage is less of an issue. But if you do not have coverage outside your country, the policies sold by nearly all cruise lines have woefully INADEQUATE medical coverage. Many of those policies have only $10,000 ( or less) of medical coverage...in an era where one can quickly spend over $50,000 for a major medical problem. The cruise line policies generally stress (and market) trip cancellation benefits more then their medical/evac benefits. Always remember that your cancellation liability is capped at what you actually pay for a trip (which means you can afford it). But your medical liability is virtually unlimited. In fact, in the USA the leading cause of personal bankruptcy are excessive medical bills. Hank Link to comment Share on other sites More sharing options...
Nana57 Posted February 15, 2016 Author #3 Share Posted February 15, 2016 Thank you. I usually use Travel Guard Gold. I have 2 trips planned. One in June and another in November. I didn't insure either yet. I'm waiting until just before final payment to call. Link to comment Share on other sites More sharing options...
Rare Keith1010 Posted February 20, 2016 #4 Share Posted February 20, 2016 I would also just do a comparison between the RCI Insurance and several other policies. I always start fresh before each and every time we purchase insurance. Policies do change from time to time and some are removed and new ones added. Keith Link to comment Share on other sites More sharing options...
GUT2407 Posted February 20, 2016 #5 Share Posted February 20, 2016 Your current insurers. Health Car House etc May offer a good deal. Link to comment Share on other sites More sharing options...
lahlah57 Posted February 20, 2016 #6 Share Posted February 20, 2016 Your current insurers. Health Car House etc May offer a good deal. Hey...good idea! Will look into this! Maybe AAA?! Link to comment Share on other sites More sharing options...
GUT2407 Posted February 20, 2016 #7 Share Posted February 20, 2016 Hey...good idea! Will look into this! Maybe AAA?! Yep we use our version of AAA a lot, or our health insurer. Link to comment Share on other sites More sharing options...
cargo13 Posted February 21, 2016 #8 Share Posted February 21, 2016 These sites help you understand comparisons of travel insurance & each companies ratings: http://www.travelinsurance.com http://www.insuremytrip.com http://travel-insurance-review.toptenreviews.com/ The cruise line insurance is usually less expensive for the older age sets 70+. Its better to go direct with the insurance provider because the coverages are usually richer, more policy options (could be overwhelming though), and less expensive for more value. Also, if you have a claim you are going to need to go direct to the insurance company. RCI is not going to help. We used http://www.csatravelprotection.com because of their A+ rating on BBB and strong record on claims payouts. CSA is lesser know so the customer service is better. Link to comment Share on other sites More sharing options...
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