Finding the right trip insurance

[Airrace]

First you will need to google the costs of expenses you may occur during your cruise. Like location will determine your cost of evacuation. Cruising the Caribbean could cost you $25,000 to air lift you off the ship and much more if you are in a further location.

 

Then find several insurance companies to give you a quote. If you google cruise insurance companies you will find several options to get a quote from many different companies. After you have found the best fit for you contact them by phone or email. This will give you a chance to adjust the coverage that fits for you. An example would be if you are self employed you can’t cancel due to losing your job. The can eliminate this clause and save you money.

 

You can also ask other questions to get the best deal for your needs.

 

 

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[Bo1953]

One can also go to the insurance board here on CC for further info, as well.

 

There many informative posts and individuals who frequent there.

 

bon voyage

[cruisestitch]

the Cruise Insurance sub-forum can be found under Cruise Discussion Topics here on Cruise Critic.

[maybr]

...and once you Google trip insurance you will be getting advertisements for weeks on end.....

[pizzalady1]

Or you can go to a website like www.insuremytrip.com and you can compare and contrast many different insurance companies and quotes.

[SkystheLimit]

Also try tripinsurancestore.com. The website is so easy to make comparisons of different companies. Any questions call them. Have used them for years. Remember, with pre existing conditions it can be important to purchase insurance within 14 to 21 days of initial deposit.

[Z'Loth]

See https://www.cruisecritic.com/articles.cfm?ID=274

[bboop51]

Or you can go to a website like www.insuremytrip.com and you can compare and contrast many different insurance companies and quotes.

I had questions about our trip insurance and called insuremytrip. They were amazingly helpful (patient) in answering my questions. They found the perfect insurance for my needs.

 

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[Keith1010]

We always use http://www.insuremytrip.com

 

There are also some other similar sites.

 

For me it provides a nice comparison of plans, costs and what is covered in each plan.

 

Keith

[vulcan1971]

First you will need to google the costs of expenses you may occur during your cruise. Like location will determine your cost of evacuation. Cruising the Caribbean could cost you $25,000 to air lift you off the ship and much more if you are in a further location.

 

Then find several insurance companies to give you a quote. If you google cruise insurance companies you will find several options to get a quote from many different companies. After you have found the best fit for you contact them by phone or email. This will give you a chance to adjust the coverage that fits for you. An example would be if you are self employed you can’t cancel due to losing your job. The can eliminate this clause and save you money.

 

You can also ask other questions to get the best deal for your needs.

 

 

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Travel Insurance recommendations

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A quick search of the Celebrity forum brought up this thread of recent travel insurance information. No need to reinvent the wheel. Hope this helps.

 

 

Walter

 

 

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[CaribbeanBound]

We also use insuremytrip.com and have always ended up with a policy from Travelex.

 

1. Make sure your insurance coverage is considered "Primary". This way if your problem is covered by the policy, the insurance company pays you. Period. You do not want "secondary" coverage wherein you have to submit your claim elsewhere first (like to your Homeowners, Health, or other insurance).
   
2. Make sure your policy is real insurance. Don't get fooled into buying "travel protection" offered by non-insurance companies. These other companies are often fly-by-night outfits who are not governed by the same rules and bonding/reserve requirements that insurers are.
   
3. Do not buy travel protection or insurance issued by your travel agency, airline, or cruise line. There is bound to be some contention here from fellow travelers, but think about why you are buying the insurance. What good is that insurance if the airline, travel agency, or cruise line you are traveling with goes under? You never know. (The one possible exception to this rule is if you pay with a credit card that covers financial default). Now, this is not to say you shouldn't buy your travel insurance from any provider, like your Travel Agent. Just make sure the insurance is independent of the provider. Your Travel Agent will certainly appreciate the small commission they make from selling you the policy.
   
4. Make sure the insurer is rated "A" or higher by AM Best. The highest rating is "A++". Note that A.M. Best only rates the company's financial wherewithal to pay your claims. They do not rate the company's level of service. Ratings and coverages can also differ from state to state.
   
5. Buy the policy within the first 7 to 21 days (or so) from when you make your first trip payment, so that all Pre-Existing Conditions are covered. Check your company's policy on this time window. This way you never have to prove that a pre-exiting condition didn't exist.