Insurance

[pittsburghcruise23]

Do you all buy insurance through Carnival when you check out. I have never in 6 years of cursing bought insurance. But the group I am going with this time are a little leary.

 

Is there a way to not book it on all people traveling int he room?

 

OR should I bite the bullet and just spend the 50 bucks.

[klfrodo]

I rarely buy the insurance from the cruise line.

It does have a couple of advantages in that it is NOT priced different based on age

It does include Cancel For Any Reason (doesn't refund money, only gives a 75% future cruise credit)

Also includes Cancellation for Job reasons (same payout as Cancel For Any Reason)

 

 

NO, not everyone in the cabin has to purchase

 

Please note that "

the group I am going with this time are a little leary " is not a covered reason for canceling and getting a full refund. That would be a "cancel For Any Reason"

Another option for insurance is http://www.tripinsurancestore.com

 

[wemjam]

Don't have to book for all in the cabin I don't think. However, there are other options for insurance as many threads have discussed. There are other providers that offer insurance, not just Carnival, that will cover the trip, medical, etc. Don't feel you have to settle for Carnivals, research it a bit first.

 

I personally did not buy insurance for years, and I still don't to cover my trip itself (my credit card company covers my trip if something happens). I did start in the last 2 - 3 years buying extra medical insurance though (even though we have medical insurance of our own).. we are now getting older (late 40's early 50's) and one emergency evac off a ship can bankrupt ya! ;)

[CheckersMidwest]

I've never purchased vacation insurance for any trip.We for certain we are going when we book. However, my mother is having health issues and I am getting it for this trip in case I have to cancel.

[naxer]

I do not buy the Carnival insurance for a multitude of reasons. I do however, buy insurance. If you google cruise or vacation insurance, there will be a billion returns, including a couple that compare policies. You can tailor it to exactly what you want to be insured against, and usually more comprehensively and for less money than through Carnival.

[jk04]

Another great site to check is Insure my Trip. They have policies through Nationwide that are specific to cruises. Many options you can pick such as Cancel for Any Reason, Cancel for Work Reasons, and Pre-existing Conditions. And, you can include all non refundable costs, not just the cruise fare.

 

https://www.insuremytrip.com/

[klfrodo]

I've never purchased vacation insurance for any trip.We for certain we are going when we book. However, my mother is having health issues and I am getting it for this trip in case I have to cancel.

 

A gentle note or reminder for you if your mothers health is a concern. Pre-Existing conditions does include family members not traveling with you on most it not all policies. So, you will most likely have to purchase a policy that "waives" any pre-existing medical conditions. These type of policies (Cancel For Any Reason included) usually have time limitations as to when they must be purchased by.

[fun2bwith_me2]

I used to not purchase it, but luckily I started because my cruise partner had emergency appendectomy a week before the cruise and we had to cancel. Also beware most insurances doesn't cover outside U.S. so make sure you read your insurance benefits.

[elcuchio24]

Very circumstantial. We used to never buy insurance before we had kids, as the likelyhood anything would happen was slim, and if so it wasnt a huge deal to eat the cost. Now, with 4 people including the kids, we get insurance everytime.

[jimbo5544]

If I had a dollar for every cruiser who said they were sure they were going then...... something happened. There are many many reasons stuff can wrong, a lot out of control of the cruiser. If flights and hotels are involved the potential grows exponentially. Op, there are other, cheaper and better options for insurance other than cruise lines.

 

 

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[stevefrisco]

If I had a dollar for every cruiser who said they were sure they were going then...... something happened. There are many many reasons stuff can wrong, a lot out of control of the cruiser. If flights and hotels are involved the potential grows exponentially. Op, there are other, cheaper and better options for insurance other than cruise lines.

 

 

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What has the most expansive coverage between the cruise lines and unaffiliated groups? Phrased another way, who is more likely to deny your claim?

[sw33twif3]

I get insurance every time and have had to use it twice. The first time was 20 years ago. I booked through AAA and got insurance, which was great since the cruise line went bankrupt a week before our cruise! The second time was in November when my wife got a kidney transplant the week before we sailed (we were bringing home dialysis supplies on board).

 

We leave on our next cruise in 12 days--with no dialysis supplies! And our refund paid for our re-booking.

[jimbo5544]

What has the most expansive coverage between the cruise lines and unaffiliated groups? Phrased another way, who is more likely to deny your claim?

The denial of a claim is only done if a condition is not met. You ask the wrong question, which should be who has the better coverage and in what way the payment is made. Some insurances, the cruise lines as an example, will pay out in a credit that can be see for a future cruise. An outside company like insuremytrip or travel insured will pay off (reimburse) in 1) cash 2) provide my and better coverages 3) cover extras such cancel for any reason 4) cover more included options 5) cover for travel (if included in the coverage.

[jk04]

The denial of a claim is only done if a condition is not met. You ask the wrong question, which should be who has the better coverage and in what way the payment is made. Some insurances, the cruise lines as an example, will pay out in a credit that can be see for a future cruise. An outside company like insuremytrip or travel insured will pay off (reimburse) in 1) cash 2) provide my and better coverages 3) cover extras such cancel for any reason 4) cover more included options 5) cover for travel (if included in the coverage.

 

This right here and that is why I prefer to use the third-party insurance. I prefer the cash reimbursement rather than a cruise credit. You never know what future vacation plans may be. Someone recently here is working with the Nationwide Cruise Insurance purchased through Insure My Trip and the claim is being paid. The person did suggest to keep very good records and receipts of everything purchased for the trip. Nationwide does ask for all documentation.

[CruiseGal999]

Do you all buy insurance through Carnival when you check out. I have never in 6 years of cursing bought insurance. But the group I am going with this time are a little leary.

 

Is there a way to not book it on all people traveling int he room?

 

OR should I bite the bullet and just spend the 50 bucks.

 

No matter how much 'cursing' you do, :') I think purchasing insurance through an outside party is best. insuremytrip.com or theinsurancestore. There are a lot of threads & info. on this.

[mgdehoyos]

I used to buy it through CCL; however, thanks to these boards I learned to use a 3rd party vendor. For me, RoamRight has always come through at about 1/2 the cost of whatever CCL’s coverage cost but coverage is far superior.

 

I book up to 2 years out and with my husbands schedule as a firefighter/paramedic and my chronic medical conditions I would never consider not obtaining the coverage! Too many what-ifs that could happen and for such a minor amount, I’m covered!

 

 

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[GTO-Girl]

I have read a lot of horror stories from people who failed to get insurance. These people are young, old and somewhere in between.

 

Most people only worry about getting their money back if they can’t go, but for me that is the least of my worries. One sickness or accident and you could be in for a world of expense!

 

One of our good friends cruised this past January. He got very sick on Tuesday evening and had to be confined to the ship’s clinic until he was taken by ambulance off the ship in Cozumel on Thursday.

 

He and his wife had to remain at the hospital there. He was not released and cleared to fly home until Monday. His total hospital bill was around $35,000!!!

 

Thankfully he did have trip insurance and has now been made whole but what a terrible ordeal it would have been had he not.

[jayjayp]

If I had a dollar for every cruiser who said they were sure they were going then...... something happened. There are many many reasons stuff can wrong, a lot out of control of the cruiser. If flights and hotels are involved the potential grows exponentially. Op, there are other, cheaper and better options for insurance other than cruise lines.

 

 

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I/we never bought insurance, one time my wife broke her ankle days before sail date; RCI was gracious enough to allow us to use those tickets any time in the next 3 months. Last year she had a stroke 3 weeks before sail date and NCL said too bad, I should have read the contract I signed, no transfer, no credit. So from now on I will get insurance and will not sail NCL.

 

 

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[Budget Queen]

I have used an annual medical-international policy for years. I self insure my trip costs- they are insignificant.

 

There is some naive thinking with some cruisers- thinking, that the past, somehow, puts you in a "protective" bubble and dictates the future. Hey, NOBODY expects medical incidents. and no one is even remotely assured of nothing happening.

 

I just got off a cruise- and a woman was going on and on, about Medicare, not being accepted by the ship Health Care. She was, Not accepting of it being fact- and claimed, she was "insured" since she got on in Miami, and wasn't going to pay it (plus indicated, no extra funds to do so). Good grief.

 

Be mindful of thinking you have credit card coverage as well. There usually are very extreme limitations. The coverage- many times is lacking compared to a purchased international travel policy. Especially medical evacuation. Best to take a good look at coverage's, and make sure your assumptions are valid. Ask questions and find out the facts before you leave.

[Ehpride]

I always buy third party insurance. We never had to use it until my mom broke her ankle in St. Thomas and needed surgery. We easily got the cost of all our trip insurance policies back.

[Joebucks]

I'm willing to listen on this topic, but I have a hard time seeing the value. At the end of life, if you see what the average person paid in insurance vs what you received, it's generally a rip-off. Combine that with how many people have taken 20-50 cruises and maybe having a minor issue. When you insure everything, it adds up. Plus, you are not guaranteed to have your unfortunate event covered.

 

And btw, I have Chase Sapphire Reserve, which I use to book my trips. That comes with plenty of included insurances.

[stevefrisco]

The denial of a claim is only done if a condition is not met. You ask the wrong question, which should be who has the better coverage and in what way the payment is made. Some insurances, the cruise lines as an example, will pay out in a credit that can be see for a future cruise. An outside company like insuremytrip or travel insured will pay off (reimburse) in 1) cash 2) provide my and better coverages 3) cover extras such cancel for any reason 4) cover more included options 5) cover for travel (if included in the coverage.

 

 

Thanks Jimbo, I hadn't even considered the different ways that they could be paid out. I worked for an uncle in underwriting for a bit and that knowledge framed my question in a way that pretty much only considered the contingencies that triggered payment. Your information is a lot more practical and I appreciate it very much.

 

I'm concerned that one of these days there's going to be a time where I have to cancel one of these "free" casino cruises and they charge me the highest rate. I always book with my Carnival Mastercard so I don't even think I'd have any room to negotiate by threatening a chargeback. I just heard a horror story from a guy I play poker with so I'm definitely going to look into insurance the next time I book.

[stevefrisco]

This right here and that is why I prefer to use the third-party insurance. I prefer the cash reimbursement rather than a cruise credit. You never know what future vacation plans may be. Someone recently here is working with the Nationwide Cruise Insurance purchased through Insure My Trip and the claim is being paid. The person did suggest to keep very good records and receipts of everything purchased for the trip. Nationwide does ask for all documentation.

 

Thanks for the headsup on Nationwide, I like to support local companies!

[jimbo5544]

Thanks Jimbo, I hadn't even considered the different ways that they could be paid out. I worked for an uncle in underwriting for a bit and that knowledge framed my question in a way that pretty much only considered the contingencies that triggered payment. Your information is a lot more practical and I appreciate it very much.

 

I'm concerned that one of these days there's going to be a time where I have to cancel one of these "free" casino cruises and they charge me the highest rate. I always book with my Carnival Mastercard so I don't even think I'd have any room to negotiate by threatening a chargeback. I just heard a horror story from a guy I play poker with so I'm definitely going to look into insurance the next time I book.

My pleasure

[JerseyGirlJen]

When I was in my 20's and early 30's I didn't bother getting it, because, well, we're invincible at that age, right? [emoji6]. Now that I'm older, wiser, and in my 40's I get the insurance along with medical coverage. A friend got injured on a shore excursion a few months ago and ended up in an ER in Aruba. Point is, you never know and always better to be safe than sorry.

 

 

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