DocRonPS Posted January 29, 2019 #1 Share Posted January 29, 2019 Does anyone know about using the travel insurance offered by NCL versus any private company? Which one has the best complete policy, esp for pre-exhisting conditions. ( diabetes etc or taking medications) What do people recommend. Going on 8 day Baltic on Getaway June 7th. Link to comment Share on other sites More sharing options...
Rare GeezerCouple Posted January 29, 2019 #2 Share Posted January 29, 2019 4 minutes ago, DocRonPS said: Does anyone know about using the travel insurance offered by NCL versus any private company? Which one has the best complete policy, esp for pre-exhisting conditions. ( diabetes etc or taking medications) What do people recommend. Going on 8 day Baltic on Getaway June 7th. For starters, do take a look at the Travel Insurance section of CC: https://boards.cruisecritic.com/forum/499-cruisetravel-insurance/ Meanwhile, I'd suggest that you contact www.TripInsuranceStore.com (a broker, using several vetted insurers), and ask them about the pre-existing conditions, etc. We use them, and have gotten policies from Travel Insured (and they've paid promptly when we've had claims). But CALL TIS, do not just read the online summaries, as the fine print can really matter with insurance. I think you'll find better coverage, and for less money, using a third-party insurer. GC Link to comment Share on other sites More sharing options...
DocRonPS Posted January 29, 2019 Author #3 Share Posted January 29, 2019 4 minutes ago, GeezerCouple said: For starters, do take a look at the Travel Insurance section of CC: https://boards.cruisecritic.com/forum/499-cruisetravel-insurance/ Meanwhile, I'd suggest that you contact www.TripInsuranceStore.com (a broker, using several vetted insurers), and ask them about the pre-existing conditions, etc. We use them, and have gotten policies from Travel Insured (and they've paid promptly when we've had claims). But CALL TIS, do not just read the online summaries, as the fine print can really matter with insurance. I think you'll find better coverage, and for less money, using a third-party insurer. GC THANKS!!!!!!!!! Link to comment Share on other sites More sharing options...
DocRonPS Posted January 29, 2019 Author #4 Share Posted January 29, 2019 I looked at www.tripinsurancestore.com on advice from others. Got a quote for medical only that includes my travels prior to Copenhagen for $80 with pre-exhisting condition. I did not care about ship issue, etc. Only medical emergencies. I spoke with Kim. $80 for more days and $250 from NCL! Link to comment Share on other sites More sharing options...
Mrdell Posted January 29, 2019 #5 Share Posted January 29, 2019 I think you will find that you will get much more bang for your buck by going with an independent insurance provider. Link to comment Share on other sites More sharing options...
cruisinmeme Posted January 29, 2019 #6 Share Posted January 29, 2019 I usually go with NCL but our upcoming cruise will involve a very expensive flight and hotels so i got something else. NCL want cover these (we booked our own flight and hotels) Link to comment Share on other sites More sharing options...
roger001 Posted January 29, 2019 #7 Share Posted January 29, 2019 I just use what my TA company provides. Premium is about 8% I think now. For me, it is just the easiest route. Link to comment Share on other sites More sharing options...
Hotspring Posted January 31, 2019 #8 Share Posted January 31, 2019 On 1/29/2019 at 1:11 PM, roger001 said: I just use what my TA company provides. Premium is about 8% I think now. For me, it is just the easiest route. Wow, we are paying 4.4% for preexisting condition insurance for the all in air fare, hotel, transfers, cruise using 3rd party. For us that would be a $252 splurge to pay off the TA.--though likely much better than the NCL direct premiums. Like car and furniture sales, the add ons like insurance may be the only real profit center for NCL and TA. It may be easier but some have better things to do with their money than pay off middle people or bonuses. Link to comment Share on other sites More sharing options...
Rare sparks1093 Posted January 31, 2019 #9 Share Posted January 31, 2019 I've always been able to find a policy at www.insuremytrip.com that provides a pre-existing condition waiver if the plan is purchased within a certain time of booking the cruise (typically 14 days). 1 Link to comment Share on other sites More sharing options...
4774Papa Posted January 31, 2019 #10 Share Posted January 31, 2019 I usually buy the trip insurance for the cruise from the cruise line. However, we generally do a land trip in conjunction with our cruise, so I purchase medical evacuation and medical insurance from AmEx for self and Wife. Last trip for two weeks cost about $50 US total. Link to comment Share on other sites More sharing options...
Jenner9 Posted January 31, 2019 #11 Share Posted January 31, 2019 (edited) I also bought private insurance from insure my trip and the policy even covered the brand new IPOD my son left on the airplane! We were reimbursed for the full amount I paid for it with a copy of the receipt. Edited January 31, 2019 by Jenner9 Link to comment Share on other sites More sharing options...
notes21 Posted January 31, 2019 #12 Share Posted January 31, 2019 Depending on location insure my trip will often provide some cruise plans that include pre-existing conditions until the day of final payment. We've used that several times as well. Link to comment Share on other sites More sharing options...
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