Jump to content
Cruise Critic Community
Sign in to follow this  
maryred

It's Complicated - Travel Insurance Land and Cruise Vacation

Recommended Posts

Basically we are flying to our vacation then using a combination of Carnival cruise, hotel and timeshare for lodging. Along with that we will also be advance purchasing attraction tickets through a travel club at a discount.

Here's my dilemma, the cruise in portion has been paid with both discounted gift cards and a credit card. A 1 night pre-cruise hotel might get paid in part or wholly through credit points, as of right now we have not yet made the reservation. Of course we have paid throughout the year by auto-payment from our checking for the timeshare mortgage, but paid by credit card for the location transfer and upgrade accommodations over our base unit. Airfare plus priority boarding has been paid using a different credit card from the other vacation payments, to use the cards airfare miles to chargeback points to in part pay the cc bill. Finally the as of yet purchased discounted amusement park tickets might be purchased by cash at the travel club.

 

So how do I reconcile all of these to figure out what rate to buy travel insurance through insuremytrip?

I really don't want to over insure the value of the vacation to keep the premium down, but don't want to under insure it either.

Share this post


Link to post
Share on other sites

You add up all your non refundable costs that you have paid so far (so don’t include taxes/port fees/gratuities or Fun Shop purchases as these are cancelable and refundable). If you add more such as theme park tickets, etc you call them back and they will let you know if any additional premium is due. Call the Insure My Trip people and they can walk you through it.

Share this post


Link to post
Share on other sites

Just be sure to check your policy for HOW or IF they will refund expenses paid for with points. I have seen plenty that don't refund anything that was paid with points/miles/awards, even if they are non-refundable. Ask the insure my trip rep if you have questions.

Share this post


Link to post
Share on other sites
Just be sure to check your policy for HOW or IF they will refund expenses paid for with points. I have seen plenty that don't refund anything that was paid with points/miles/awards, even if they are non-refundable. Ask the insure my trip rep if you have questions.

 

I frequently use points for my vacation and as far as the airlines go, find out how much it costs to redeposit the miles should you need to cancel. It’s typically about $200 (can vary of course). So then you add in the $200 to your cost. I just did this for my upcoming trips.

 

Hotels are usually more forgiving and I don’t budget for those as typically they are under refundable rates.

Share this post


Link to post
Share on other sites
Basically we are flying to our vacation then using a combination of Carnival cruise, hotel and timeshare for lodging. Along with that we will also be advance purchasing attraction tickets through a travel club at a discount.

Here's my dilemma, the cruise in portion has been paid with both discounted gift cards and a credit card. A 1 night pre-cruise hotel might get paid in part or wholly through credit points, as of right now we have not yet made the reservation. Of course we have paid throughout the year by auto-payment from our checking for the timeshare mortgage, but paid by credit card for the location transfer and upgrade accommodations over our base unit. Airfare plus priority boarding has been paid using a different credit card from the other vacation payments, to use the cards airfare miles to chargeback points to in part pay the cc bill. Finally the as of yet purchased discounted amusement park tickets might be purchased by cash at the travel club.

 

So how do I reconcile all of these to figure out what rate to buy travel insurance through insuremytrip?

I really don't want to over insure the value of the vacation to keep the premium down, but don't want to under insure it either.

 

With all that you have going on an annual policy might be a better deal. I'd look at your travel club and see if they offer an annual policy before you go shopping.

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
Sign in to follow this  

  • Forum Jump
    • Categories
      • 2019 Cruisers' Choice Destination Awards
      • Celebrity Cruises President and CEO Lisa Lutoff-Perlo invites you to #CrewUpWithWomen
      • Forum Assistance
      • 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...