Question about insurance

[Giantfan13]

 

We always buy insurance for all our cruises but in late August and early September we are doing a B2B on the Voyager. First is a 7 day and then a 14-day Icelandic TA.

My question is should we buy insurance for the 21 days straight or separate it into two separate cruises, the first for a 7 day and then another for the 14 day. We have never done anything like this before and just curious as to how others approach something like this, especially in this Covid era?

 

Cheers

Len

 

[la_croisiere_s'amuse]

I can't help with this specific question, but in case you don't find the answers you need, you could also try in the insurance forum:

 

https://boards.cruisecritic.com/forum/499-cruisetravel-insurance/ 

[flhokie]

Possibly look at an annual travel insurance policy, especially if this isn't your only trip for the next year. 

[alex_drew]

We did a b2b in November and our travel agent arranged it for us through Allianz.  The insurance started with the flight to Florida (and we always go a day earlier so it also covered hotel) and ended on the flight home.  That is your trip, no matter how long it is, just start it whenever you start the travel until your trip ends.

[pcur]

I found an annual policy was less expensive than separate trip policies if you are cruising multiple times in a year.  However, I don't buy high value medical coverage.

 

Be sure to check coverage provided by your credit card.

[klfrodo]

Travel Insurance begins when you walk out your front door and ends when you walk back into your house.

Travel insurance doesn't care if you backpack thru Europe, then jump on a cruise, then fly back home.

 

And personally, I would never trust a travel agent when it comes to travel insurance. They just sell the policy and receive a commission. When things go TU, the TA is of no help.

 

Call and or work with a travel insurance broker. Someone who knows the policies they sell and the ones who will work with you to help you when things go TU.

 

I personally recommend TripInsuranceStore, but there are others also like InsureMyTrip.

[truffles2]

Ok, I give up….what is TU?

[rudeney]

Teats-up.  A British term for FUBAR.  

[Ky Bill]

Since we trust our Travel Agent she always books our cruises and insurance.  Several years ago my late wife and I were scheduled for a 10 day Hawaiian cruise.  My wife took a sudden turn for the worse health wise due to cancer treatment.  Her downturn was only 3 days from the beginning of the cruise.  We had to cancel our cruise and would have lost the complete cruise amount had it not been for travel insurance.  Our TA took care of all the paperwork and we received a complete refund in about two weeks. Needless to say I insure all of our cruises from start to finish even b2b.

Bill

[alex_drew]

Thank you, Ky Bill...  Our TA takes very good care of us!  There are travel agents and then there are really dedicated travel agents...just sayin'.

[Fontaid]

On 5/29/2022 at 7:12 PM, Giantfan13 said:

 

We always buy insurance for all our cruises but in late August and early September we are doing a B2B on the Voyager. First is a 7 day and then a 14-day Icelandic TA.

My question is should we buy insurance for the 21 days straight or separate it into two separate cruises, the first for a 7 day and then another for the 14 day. We have never done anything like this before and just curious as to how others approach something like this, especially in this Covid era?

 

Cheers

Len

 

When I booked my cruise a couple of months ago, I asked myself who could give me the best information? My TA or a company who only sells travel insurance and can give me quotes from several different companies? Or in a similar medical discussion... if I think I have a heart problem should I go to my primary physician or a cardiologist for a diagnosis? The bottom line is I went to the Cruise/Travel Insurance Forum on Cruise Critic and found  a cruise insurance specialist. The one I chose is on-line, but you can easily call them to get ALL of your questions answered... including the ones you posed originally. I'll let them answer your questions, but the policy I purchased was based on the total cost and the number of days I will be gone. I think you're limited to 30 days before needing  separate policies or an annual policy. But, I will defer to the specialists. You also should ask yourself if you want a CFAR (Cancel For Any Reason) policy. Those are more expensive as you might expect. As an example, you do not need a CFAR policy for a COVID diagnosis just before the cruise. Note: I'm only going to be on a 7 day cruise, so I didn't have to ask your questions. Good luck! And Happy Sailing!

[Giantfan13]

Thanks for all the replies.

 

My reasoning for asking about one insurance for the entire trip or one for the first and another for the second.

We will be in Copenhagen for both cruises and we are arriving about 3 days pre cruise #1. We need to get tested before we board, so I was thinking say we tested positive, we would have to miss the first leg but still may be able to go on the second. If we had one insurance package for the 3 weeks, would this be of any help considering we could still do the second leg?

 

I will definitely look into an annual plan. I never thought o that.

 

Cheers

Len

[klfrodo]

2 minutes ago, Giantfan13 said:

Thanks for all the replies.

 

My reasoning for asking about one insurance for the entire trip or one for the first and another for the second.

We will be in Copenhagen for both cruises and we are arriving about 3 days pre cruise #1. We need to get tested before we board, so I was thinking say we tested positive, we would have to miss the first leg but still may be able to go on the second. If we had one insurance package for the 3 weeks, would this be of any help considering we could still do the second leg?

 

I will definitely look into an annual plan. I never thought o that.

 

Cheers

Len

The Trip Interruption definition would cover that portion that you missed.

[Giantfan13]

Thanks so much

 

I have one other question. We are on a TA/Icelandic cruise which is the product of 3 different Lift and Shifts. Our initial cost to book the original cruise was about $1500 total. For the same cabin on this cruise, the cost is about $4000. 

When I was looking at the insurance, they ask for the cost, and I enter $4000 as that would be the price to replace this cruise if we couldn't go, but does the insurance company ask for the original booking cost or the current cost?

 

Cheers

Len

[shippmates]

The insurance company wants the price you paid.  Some policies cost is based on the ages of the passengers, the cost of the trip, and the length of the trip.  When looking at annual policy keep in mind the limits for medical and evacuations may not be the limit you would want.  They seem to have lower refunds.

[klfrodo]

1 hour ago, Giantfan13 said:

Thanks so much

 

 

When I was looking at the insurance, they ask for the cost, and I enter $4000 as that would be the price to replace this cruise if we couldn't go, but does the insurance company ask for the original booking cost or the current cost?

 

Cheers

Len

Yes they do. If you file a claim, they're going to insist on any and all documentation.  That right there would be cause for them to deny any and all claims.

[Big_G]

1 hour ago, Giantfan13 said:

Thanks so much

 

I have one other question. We are on a TA/Icelandic cruise which is the product of 3 different Lift and Shifts. Our initial cost to book the original cruise was about $1500 total. For the same cabin on this cruise, the cost is about $4000. 

When I was looking at the insurance, they ask for the cost, and I enter $4000 as that would be the price to replace this cruise if we couldn't go, but does the insurance company ask for the original booking cost or the current cost?

 

Cheers

Len

 

When you file a claim you'll need to provide a letter from the cruise line or the TA of what was refunded and what was not so it really doesn't matter what you put for the cost.

[Fontaid]

@Giantfan13 You have a lot of "what if" type questions. I suggest you choose one of the travel insurance companies who are recommended in the Cruise Critic forums, call them and ask your questions. They will be more than happy to help you and won't charge you a nickel to answer your questions. The bottom line is you don't want the "fine print" in your policy to bite you if you need to file a claim.