Insurance here or there ?

[maryhou]

Just getting booked today finally..... do you guys buy insurance? Do you buy through Carnival or elsewhere...... I was looking at insuremytrip.com. Thanks in advance

Edited October 2, 2023 by maryhou

[princess76021]

I know people on here are not big fans of carnivals insurance but I had them and had to cancel, got everything bAck except what I paid for the inurance. And within  very short period.

Hugs from Texas

[shof515]

i use insuremytrip all of the time buying the nationwide cruise policy

[highSeas22]

40 minutes ago, maryhou said:

I changed it, what was the problem with it?

 

Way too small

[VentureMan_2000]

Carnival didn't provide as much coverage for medical and evacuation.  And a few dollars more.

[klfrodo]

Pro for Carnival Insurance:

price is not age based

includes cancel for any reason coverage

 

Cons for Carnival Insurance

Medical coverage is secondary

Medical coverage is woefully too low 
 

[pe4all]

Also Carnival insurance does not cover pre-existing conditions.  We use Travelguard. https://www.travelguard.com

Have had 2 claims and all paid very quickly with no hassle.  But shop around - many do use insuremytrip to get quotes.

[ColeThornton]

Here is the forum to ask/research insurance issues:

 

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

[teknoge3k]

Usually with Carnival insurance, you pay more for less. You can get a much better policy for a fraction of the cost elsewhere. Of course, it depends on your age.

[Rudyard]

10 hours ago, VentureMan_2000 said:

Carnival didn't provide as much coverage for medical and evacuation.  And a few dollars more.

This is why we go through a third party for insurance. We used to go through Carnival until I saw a story about a woman stuck somewhere that needed medical transport back to the US and it was going to be $40K. Carnival only covers up to $30K. 

[Drazil65]

Insure My Trip is our go to and has been for many years (cruise, land and flights).  

[VentureMan_2000]

This is the coverage I aim for.  Here are the coverage declarations for my next two cruises.  Both, about $14 a day.

I like high medical and emergency evacuation coverage in my policy.  I'm not much concerned about trip coverage... I can handle that loss if needed.  Medical is another story.

 

[CruisingAlong4Now]

On 10/2/2023 at 10:24 AM, VentureMan_2000 said:

This is the coverage I aim for.  Here are the coverage declarations for my next two cruises.  Both, about $14 a day.

I like high medical and emergency evacuation coverage in my policy.  I'm not much concerned about trip coverage... I can handle that loss if needed.  Medical is another story.

 

Someone who really understands the purpose of insurance.  Kudos to Mr. VentureMan!

[crystalspin]

On 10/2/2023 at 3:54 AM, pe4all said:

Also Carnival insurance does not cover pre-existing conditions....

 

For real? Because Holland America (a Carnival subsidiary) has Platinum cancellation protection with some medical coverage that covers any age, any condition, and CFAR as far as not being able to make the cruise, up to and including sailaway.

[pe4all]

 

5 hours ago, crystalspin said:

For real? Because Holland America (a Carnival subsidiary) has Platinum cancellation protection with some medical coverage that covers any age, any condition, and CFAR as far as not being able to make the cruise, up to and including sailaway.

Yes - that is the reason we never purchase it, as all 3 of us have pre-existing medical conditions, and why

we purchase our insurance from Travelguard as soon as we book our cruises. (usually have to purchase within 15 days of initial deposit of trip.)

https://www.carnival.com/about-carnival/vacation-protection

"For clarity purposes, Carnival also lists a number of other reasons not covered in the 100% refund offer despite their similarity to the reasons listed above.

Those reasons are as follows:

1. Medical conditions that require diagnosis, treatment or a change in medication that first presented themselves in the 60-day period before the purchase of the cancellation waiver package."
2.  

 

[Smitheroo]

On 10/26/2023 at 12:49 PM, CruisingAlong4Now said:

Someone who really understands the purpose of insurance.  Kudos to Mr. VentureMan!

that's my thinking as well. Except I get hung up on Pre-existing conditions coverage