Travel Insurance (Direct/Indirect)

[lostinmusic]

Is it better (or cheaper) to purchase your travel insurance independently (outside the cruise company) or directly with the cruise line?

[TheOldBear]

You may want to look in the cruise/travel insurance forum https://boards.cruisecritic.com/forum/499-cruisetravel-insurance/

There is also a Question and Answer subforum currently active  

[Babr]

Price of third-party policies is determined by a number of factors such as amount insured, length of trip, age of policyholder, and level of coverage.

 

Cruise line insurance is usually priced as a percentage of cruise fare. Age is not a factor so if cost is your primary concern, cruise line pricing will work in your favor if you are older.

 

”Better” is a different question. It depends on your needs and what you expect from the policy.

[donaldsc]

Better or cheaper are generally contradictory when you buy insurance.  You need to figure out exactly what coverage you need or want and then contact InsureMyTrip or the Trip Insurance Store.  Lots of people on CC use them.  The problem that most of us find w cruise company insurance policies is that although they are generally cheaper the coverage is not good.  Before you decide on a policy make sure that you are comparing apples w apples and not apple w potatoes.

 

DON