Jump to content
Cruise Critic Community
TwoJ'smommy

Who do you buy your cruise insurance through?

Recommended Posts

I am about to make my final payment and was wondering if I should purchase the insurance through RCL or through a private company. Any thoughts? Thanks.

Share this post


Link to post
Share on other sites
I am about to make my final payment and was wondering if I should purchase the insurance through RCL or through a private company. Any thoughts? Thanks.

Recent threads on the subject:

 

http://boards.cruisecritic.com/showthread.php?t=2300485

 

http://boards.cruisecritic.com/showthread.php?t=2317295

 

http://boards.cruisecritic.com/showthread.php?t=2308733

Share this post


Link to post
Share on other sites

Are you using a TA? If you are, your TA should be able to handle the insurance for you. He/she might be able to get you a better price than what you could find on your own.

Share this post


Link to post
Share on other sites

Check out Travelex Insurance. I always buy my travel insurance through them. They are very good. Always process your claim fast and pay on time. Their rates are much lower than any direct cruise line's insurance.

Share this post


Link to post
Share on other sites

We always use Allianz. They bought the company that we used to use but I still consider us loyal. We've never had to file a claim though so I can't rate that service.

Share this post


Link to post
Share on other sites

Here in the UK we can use a variety of travel insurance firms and select add cruise to ensure full cover.

Share this post


Link to post
Share on other sites

Are you an USAA member? They sale travel insurance through a third party. Very reasonable, several levels of coverage and kids are covered for free.

Share this post


Link to post
Share on other sites

I never use the cruise line insurance. It does not make sense to me to buy insurance from the people I am insuring against. I have used several different companies but cannot rate any because I have never had a claim.

Share this post


Link to post
Share on other sites
I go through insuremytrip.com to compare coverage and purchase.

 

 

I used this site yesterday and found cheaper, better coverage than from the company we usually buy from. :D

Share this post


Link to post
Share on other sites
I used this site yesterday and found cheaper, better coverage than from the company we usually buy from. :D

 

Nice! Is it an insurance company not listed by insuremytrip?

Share this post


Link to post
Share on other sites
I never use the cruise line insurance. It does not make sense to me to buy insurance from the people I am insuring against. I have used several different companies but cannot rate any because I have never had a claim.

 

I have always bought through the cruiseline (Disney or Royal) I am travelling or airline for overseas travel. (I never buy insurance for domestic trips, because I don't stand to lose much if something happens on those.)

 

My thoughts are that if an issue arises while on the cruise that requires the need for insurance, that there would be less hassle if purchasing through the cruiseline as they would know you had insurance and what your coverage was, etc. I understand that costs a little more than buying through other places, but honestly I have been fine with their prices and the peace of mind that having insurance allows me. Also the fact that there is some cancel for any reason built into their policy allowing you to keep a good portion of the $ towards a future cruise - that is nice to have.

Share this post


Link to post
Share on other sites

Go to one of the online sites and compare policies. It takes some time, but it's the only way to know what you are being covered for.

 

Most of the complaints I see against travel insurers are because people didn't read their policies. They are all different and what is good for one person may not be good for someone else.

Edited by marci22

Share this post


Link to post
Share on other sites
I go through insuremytrip.com to compare coverage and purchase.

 

I use this site as well.

 

Go to one of the online sites and compare policies. It takes some time, but it's the only way to know what you are being covered for.

 

Most of the complaints I see against travel insurers are because people didn't read their policies. They are all different and what is good for one person may not be good for someone else.

 

Yes! I always read through and make sure what I'm looking to have covered is included.

Share this post


Link to post
Share on other sites

My TA- and his prices are WAY better than I insuremytrip.com for exact same coverages! I always buy it as well as the "cancel any reason" endorsement.

Edited by jes Scott

Share this post


Link to post
Share on other sites

We use the cruise line insurance because it is based on cruise price not age. If we were younger maybe not.

Share this post


Link to post
Share on other sites

After pricing for one cruise you might want to also look at the annual coverage at some of the sites. It may not be much more and if you travel a lot you can save.

Share this post


Link to post
Share on other sites

Check if your credit card company already offers "free" travel insurance. I had to cancel a non-cruise vacation (All Inclusive in Mexico) last year and my credit card company covered my expense via a 3rd party insurance company. My credit card is a Chase Marriott Rewards VISA.

Edited by rykaydad

Share this post


Link to post
Share on other sites

Just a heads up. I remember a few years ago the Celebrity Millennium cancelled a sailing due to mechanical failure & while I guess X took care of people with regard to the cruise cost, a lot of ppl were out $$ b/c their insurance didn't cover mechanical failure. As a result, I always make sure the insurance I buy does include that; some policies do, some don't.

Share this post


Link to post
Share on other sites

Check your personal Health Insurance for "out-of-country" coverage (we have BCBS FEP) and the credit card used to pay for the cruise (World Mastercard includes minimal trip cancellation and lost/delayed baggage coverage) and if both are adequate you may not need trip insurance.

 

Otherwise -- the "third party policies are generally less expensive and include higher and broader coverages than the cruiseline insurance; if you purchase w/in 14-21 days of cruise booking most include "waiver of pre-existing conditions" and tghe opportunity to purchase "cancel for any reason" optional coverage. You can research and purchase direct from most insurers sites, or via sites like insuremytrip that handle and compare many/most of the insurers.

USAA sells TravelInsured policies at a slight discount and with a few increased coverages, for USAA members.

 

Ken

Edited by Ken076

Share this post


Link to post
Share on other sites
Go to one of the online sites and compare policies. It takes some time, but it's the only way to know what you are being covered for.

 

Most of the complaints I see against travel insurers are because people didn't read their policies. They are all different and what is good for one person may not be good for someone else.

 

We've had terrific experiences with

 

http://www.TripInsuranceStore.com

 

in terms of their assistance (especially when we were just starting to look into travel insurance) choosing among policies and types of coverages for our purposes, and also - importantly - when making CLAIMS.

 

We've used policies from TravelInsured, and had 2 claims, and used CSA once (no claim).

 

We ALWAYS get the waiver of the exclusion of pre-existing conditions, given our ages and health histories.

(That also sped up the claim processing, as there was no need for them to ferret through our past medical histories, as that was irrelevant).

 

And we agree strongly that most complaints here are because people didn't fully understand what was or was not covered, or how the claims process works.

 

We also have the annual plan from MedJetAssist, as that also covers us for all of our regular travel, as long as it's more than 150 miles from home.

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Forum Jump
    • Categories
      • Forum Assistance
      • Q&A: Cruise Insurance w/ Steve Dasseos of the TripInsuranceStore.com June 2020
      • New Cruisers
      • Cruise Lines “A – O”
      • Cruise Lines “P – Z”
      • River Cruising
      • ROLL CALLS
      • Digital Photography & Cruise Technology
      • Member Cruise Reviews
      • Special Interest Cruising
      • Cruise Discussion Topics
      • UK Cruising
      • Australia & New Zealand Cruisers
      • North American Homeports
      • Ports of Call
      • Cruise Conversations
×
×
  • Create New...