Kwaj girl Posted May 30, 2016 #1 Share Posted May 30, 2016 This is a concern..... Our 2018 WC exceeds that per-person limit....so if we used Regent's coverage we have to pay a premium of 20% of the trip cost and they STILL only cover up to $50 K. That's not acceptable. What companies/policies do the rest of you use that DO cover 100% of your per-person prepaid/no refundable trip costs if you had to cancel at the last minute for a "covered reason?" Link to comment Share on other sites More sharing options...
jctdlt Posted May 30, 2016 #2 Share Posted May 30, 2016 We are on 2017 world cruise. We have taken Travel Guard. Check it out. Link to comment Share on other sites More sharing options...
jctdlt Posted May 30, 2016 #3 Share Posted May 30, 2016 They cover 100% for cancellation. Link to comment Share on other sites More sharing options...
Kwaj girl Posted May 30, 2016 Author #4 Share Posted May 30, 2016 They cover 100% for cancellation. The Regent res agent said the policy covers only up to $50K for trip cancellation regardless of your per-person trip cost. Was she incorrect? Link to comment Share on other sites More sharing options...
petlover Posted May 30, 2016 #5 Share Posted May 30, 2016 You need to talk to Steve at trip insurancestore.com (we went through similar, I wouldn't get Regent's ). He was a huge help to us. Link to comment Share on other sites More sharing options...
jctdlt Posted May 30, 2016 #6 Share Posted May 30, 2016 Our travel guard says 100% Link to comment Share on other sites More sharing options...
Eager2Travel Posted May 30, 2016 #7 Share Posted May 30, 2016 (edited) We also use Steve at trip insurance store.com. He is excellent. He takes all the factors into account. Their customer service has been outstanding. We need a pre-existing condition waiver and he find us a strong company at the most reasonable cost. Travelguard is one of the companies he deals with among others. Edited May 30, 2016 by Eager2Travel Link to comment Share on other sites More sharing options...
xrvlcruiser Posted May 31, 2016 #8 Share Posted May 31, 2016 Another type of insurance to think about is MedJetAssist. Not that expensive and very helpful if you need it. Peggy Link to comment Share on other sites More sharing options...
Kwaj girl Posted May 31, 2016 Author #9 Share Posted May 31, 2016 Another type of insurance to think about is MedJetAssist. Not that expensive and very helpful if you need it. Peggy Yes, we maintain our MJA membership but they would not refund what we paid for our cruise if we had to cancel our trip due to a "covered reason." Link to comment Share on other sites More sharing options...
xrvlcruiser Posted May 31, 2016 #10 Share Posted May 31, 2016 I only used them once - not for a cruise - but I don't think they say they'll cover cancellations. It's in addition to the regular insurance. Peggy Link to comment Share on other sites More sharing options...
jctdlt Posted May 31, 2016 #11 Share Posted May 31, 2016 Medjet is good until you turn 75, but then too expensive. We carried it for years. Always had good experience with it. Link to comment Share on other sites More sharing options...
xrvlcruiser Posted May 31, 2016 #12 Share Posted May 31, 2016 I'm 76 and pay $750 for the year. I fell and broke my hip in Mexico in November. MedJet flew me and my son from Puerta Vallerta to New York in a small Lear Jet with a Paramedic, a Nurse and 2 pilots. I don't know what it would have cost me if I'd had to arrange for it - or paid for it. Just the facts - everyone gets to do as s/he sees fit. For me, it was money well spent. Peggy Link to comment Share on other sites More sharing options...
jctdlt Posted May 31, 2016 #13 Share Posted May 31, 2016 Thanks Peggy. Will check it out again. Link to comment Share on other sites More sharing options...
JMARINER Posted May 31, 2016 #14 Share Posted May 31, 2016 FYI your regular travel agent should be able to recommend and buy you insurance. And travel insurance is commissionable. So on long, expensive trips my agent will rebate me a portion of the commission. I have used CSA and Travel-guard. I had a major claim once for the full price of a 5 week cruise with CSA and they paid without any hassle. Most cruise lines as well as airline included paid insurance have terrible benefits. j Link to comment Share on other sites More sharing options...
Suite Travels Posted May 31, 2016 #15 Share Posted May 31, 2016 We never buy the cruise line insurance which is very expensive. Travel Guard and CSA are great. Peggy, a private jet would cost you about 8k per hour without MedJet. We have it and will not leave home without it. Some people rely on AMEX evacuation policy which has too many holes in it and evacuation is just to the nearest hospital facility. MedJet will work with your doctor to get you home to a hospital of his choice. Glad we have it and hope never to use it. Link to comment Share on other sites More sharing options...
xrvlcruiser Posted May 31, 2016 #16 Share Posted May 31, 2016 Miles, I had a very good experience with MedJet - I've had it for a number of years and until last fall, never used it. Thanks for the cost information . . . wow. Peggy Link to comment Share on other sites More sharing options...
forevertravel Posted May 31, 2016 #17 Share Posted May 31, 2016 I also buy our insurance from Steve (or one of his agents) at TripInsuranceStore.com. We have been using them for years. They are wonderful and follow through. You get the choice of several companies and they all cover your trip 100% for valid cancellations (medical, etc). I never use the cruise's insurance. It's too expensive and not as good. Link to comment Share on other sites More sharing options...
Suite Travels Posted May 31, 2016 #18 Share Posted May 31, 2016 (edited) How do I contact Steve? Peggy, glad everything worked out for you. Never mind I found the number...thanks all. Edited May 31, 2016 by Suite Travels Link to comment Share on other sites More sharing options...
forevertravel Posted May 31, 2016 #19 Share Posted May 31, 2016 To contact Steve or any of his agents go to: http://www.TripInsuranceStore.com Enter information regarding your trip and see the different choices. Then you can contact them by phone. I hope is OK to provide this information. Link to comment Share on other sites More sharing options...
Rare forgap Posted May 31, 2016 #20 Share Posted May 31, 2016 We use chase sapphire preferred included trip insurance ($10,000 pp), trip insurance store (Steve) for excess, med jet if traveling outside of Europe, and geo blue for medical and evacuation. Hope this helps. Link to comment Share on other sites More sharing options...
UUNetBill Posted May 31, 2016 #21 Share Posted May 31, 2016 +1 on TravelGuard - we had to cancel once due to a home catastrophe and they were quick and easy to deal with. Money well spent - one claim and you're ahead of the game. And if you never have to make a claim, consider yourself blessed. Link to comment Share on other sites More sharing options...
Joanandjoe Posted May 31, 2016 #22 Share Posted May 31, 2016 One thing to check out before you buy trip insurance is the pre-existing condition waiver relating to cancellations for medical reasons. For most trip insurance, there is a waiver only if you buy the insurance within a short time after you make your initial deposit. CSA, and one or two other companies, have policies that will give you a pre-existing condition waiver if you purchase the insurance within a short time (I believe, a 24 hours for CSA) after making the FINAL payment. We use CSA, even though it costs more than some other insurance companies, because we don't have to buy it until we make our final payment. Link to comment Share on other sites More sharing options...
rallydave Posted May 31, 2016 #23 Share Posted May 31, 2016 One thing to check out before you buy trip insurance is the pre-existing condition waiver relating to cancellations for medical reasons. For most trip insurance, there is a waiver only if you buy the insurance within a short time after you make your initial deposit. CSA, and one or two other companies, have policies that will give you a pre-existing condition waiver if you purchase the insurance within a short time (I believe, a 24 hours for CSA) after making the FINAL payment. We use CSA, even though it costs more than some other insurance companies, because we don't have to buy it until we make our final payment. A simple method for avoiding paying the full amount when making initial deposit to get pre-existing waiver is to buy a minimum amount of coverage at deposit, we bought $500 coverage each for about $100, depends on age and insurance company and then will increase that amount to cover cancellation policies as they occur and only buy full coverage when making final payment. This way if you have to cancel for a non covered situation, you don't lose much money for the insurance and you get full pre-existing coverage. Another tip to reduce your insurance costs is to find out if your cruise line will refund port fees and taxes as they should so you can reduce your full coverage. We just booked Seabourn and they do refund the port fees and taxes in full for any cancellation and in our case, this amounts to about another $400 saved when we finally increase our coverage to the full non-refundable amount. Talked to Steve about the above tips and he told me that he developed the minimal coverage at the start and increasing your coverage as the cancellation amount goes up. He really liked my finding out we didn't have to fully cover any refundable amount. Strongly recommend everyone make sure how much coverage you need and for sure ask if port fees and taxes are refunded upon cancellation as it can save you significant bucks. Link to comment Share on other sites More sharing options...
Rare forgap Posted May 31, 2016 #24 Share Posted May 31, 2016 Dave, what a smart man you are! Link to comment Share on other sites More sharing options...
Eager2Travel Posted May 31, 2016 #25 Share Posted May 31, 2016 We just used the above method for a cruise upon Steve's suggestion. We booked a trip to Alaska while onboard the Mariner in March. We need pre existing condition waiver but weren't positive we would take the cruise. Steve found us insurance at a reasonable cost with a solid company and had us insure just the deposit amount. When we entered penalties before final pay we increased the premium to cover those penalties. We just did final pay and increased insurance to cover full trip. Steve is excellent. I wish we had know to do this when we booked our Explorer cruise in January. It would have given us more choice for plans with the pre existing waiver at a reduced cost when we buy insurance at final pay. Does anyone know if Regent returns port fees if cruise isn't taken? Link to comment Share on other sites More sharing options...
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