Insurance question

[tigger54]

My husband booked a cruise through Celebrity casino about a month ago. It was a free cruise through a BBC offer. He just realized that he never got insurance. Is it too late for us to get cruise insurance? If not, can anyone recommend a company that will give us cruise insurance? We are booked on the Equinox leaving March 2023. Thank you for any advise you can give me.

[upwarduk]

2 minutes ago, tigger54 said:

My husband booked a cruise through Celebrity casino about a month ago. It was a free cruise through a BBC offer. He just realized that he never got insurance. Is it too late for us to get cruise insurance? If not, can anyone recommend a company that will give us cruise insurance? We are booked on the Equinox leaving March 2023. Thank you for any advise you can give me.

Advice will depend on your country of residence.

 

[Tyler414]

Country of residence is important, but I believe if you want cancel for any reason, that must be purchased at time of booking or very shortly after.  As far as medical, reparation, loss of life/limb can be purchased at almost any time.  There was a thread on here about a Celebrity customer with Celebrity insurance and had an absolute nightmare with Celebrity insurance when they had a heart attack.  The thread scared me away from Celebrity's insurance...  Med Jet and Travel Insurance Store are what I was turned on to...

[39august]

You can buy basic travel insurance anytime up to a couple of days before the trip,. But at this point, you will not have pre-existing condition coverage without paying extra. For that coverage, you usually have to pay within 14 days of booking. I suggest you go the the insurance board on this forum. Lots of good info there. 

[pl281]

@tigger54

 

You mentioned this is a free cruise - so it sounds like you are looking for insurance in the event that you have medical issues during the trip vs needing to cancel - I would just call Celebrity and they should be able to add it

[tigger54]

We are US citizens and live in South Carolina.

[LB_NJ]

There are places that sell 1 year medical travel insurance.  If the cruise is free, then that is probably the best bet.

[tigger54]

We are looking to be insured not just for cancellation but also in case of medical emergencies.

[scrapcreator]

https://boards.cruisecritic.com/forum/2606-qa-cruise-insurance-with-steve-dasseos-of-the-tripinsurancestorecom-november-2022/

 

This is a great place to start. You can call them as well and discuss what you need.

[JohninDC]

insuremytrip.com

[WrittenOnYourHeart]

On a free cruise, I doubt there would be reimbursement for cruise cancellation. That would be insurance for airfare.

 

You'll probably only be able to look for medical/evacuation insurance. I know whenever I have looked at insurance for a trip, it specifically asks the cost of the cruise. If you're paying $0 that is only going to be $0.

[mattie123]

Booking thru BCC and you have to cancel you will receive full credit back to your card for taxes and port charges.

If you are looking for simple medical/evacuation insurance I've been using GeoBlue for about five years. Purchase the one year plan.  Knock on wood, have not had to use it!

[kathynorth]

Go to the insurance board via the link scrapcreator posted. There is an active Q&A session happening there.

[DingoMom]

Allianz.com. You can insure one trip or a whole year for medical evacuations, etc.

 

[tigger54]

Thank you everyone for your advise. We was able to get the insurance through celebrity.

[kikitaz]

On 12/13/2022 at 12:17 PM, scrapcreator said:

https://boards.cruisecritic.com/forum/2606-qa-cruise-insurance-with-steve-dasseos-of-the-tripinsurancestorecom-november-2022/

 

This is a great place to start. You can call them as well and discuss what you need.

I HIGHLY recommend Trip Insurance Store.  I have used them three times, they are very, very helpful.

[Pickels]

On 12/13/2022 at 12:35 PM, tigger54 said:

We are looking to be insured not just for cancellation but also in case of medical emergencies.

Check out InsureMyTrip. 

[miched]

Email from Cruise Critic ,  Things to avoid for a cruise,  Insurance from a cruise line.  It is from this site 
 

There are many private insurances that will cover you.  We get a annual traveling policy that covers us for the year for any travel.   I don’t care about the cost of the cruise as that is money already spent.   I am concerned about the catastrophic medical part .

 

I am on Medicare and I am not covered after so so many  hours away from a USA port.   I have also found that many health care insurance companies don’t cover medical conditions outside of the USA.    
 

You need to look at your policy.  We take too many things for granted and it can cost us if not prepared. 
 

Happy cruising 🌊🚢🇺🇸🌅

 

 

[miched]

On 12/13/2022 at 11:29 PM, DingoMom said:

Allianz.com. You can insure one trip or a whole year for medical evacuations, etc.

 

That is what we use.   

[LGW59]

5 minutes ago, miched said:

That is what we use.   

we use Allianz as well.  If you look at all of the coverages in the cruise line policy (especially med evacs and/or serious med condition) really do an apples to apples comparison, to us it's a no brainer as the cost diff with private insurance, while just slightly more and coverage is WAY more, really well worth the peace of mind.  Get a quote do a comparison, it costs nothing to do that.