Should I purchase my trip insurance from Cruiseline or somewhere else?

[VIKINGCRUISER]

I booked a cruise on the NCL Pearl and I was told they have insurance through "Booksafe" Insurance.

I also looked into "Allianz" for trip insurance, but this is the stressful part for me.

 

Any opinions on who to use or it really doesn't matter?

 

Any opionions appreciated.

 

Joe

[NotADopey1]

We use Trip Insurance Store.  They shop various travel insurance companies.  

[VIKINGCRUISER]

thank you

[ldubs]

See post #2.  If you travel outside your country frequently, consider an annual policy.  

[StollyBolly]

We decided a year ago to go with an annual policy through Allianz.    

[sanger727]

the insurance offered by the cruise line is often not competitive in terms of price/coverage.  Most people would suggest getting your own insurance.  

[Host Kat]

8 hours ago, VIKINGCRUISER said:

I booked a cruise on the NCL Pearl and I was told they have insurance through "Booksafe" Insurance.

I also looked into "Allianz" for trip insurance, but this is the stressful part for me.

 

Any opinions on who to use or it really doesn't matter?

 

Any opionions appreciated.

 

Joe

 

Hello @VIKINGCRUISER and thank you for your new thread on the Ask s Cruise Question forum. 

 

However, it is the forum for general questions regarding cruising. Your inquiry is off topic there since it about cruise/travel insurance. To help you out your new thread has been moved to the Cruise/Travel Insurance forum where it will be on topic. Browse through the thread titles on the forum looking for threads of interest. You may find your fellow Cruise Critic members have already posted questions and received answers that may be of interest to you.

 

Also, at this particular time we have a subforum Cruise Insurance Q&A w/ Steve Dasseos of Tripinsurancestore.com June 2024. You can ask Steve questions there. Again, browse through the threads in the subforum looking for threads of interest. 

 

The Cruise Critic website and message boards are both great resources for new as well as experienced cruisers and we are so glad you are posting. Please feel free to browse the Cruise Critic Community categories list of the various forums. I suggest you put the link to the page in your Favorites for quick & easy access in the future. Please read a few threads in the different forums to get a feel for what each forum is about. Make sure you read any pinned threads (aka stickies) on the top of the first page of threads in most forums. You will find very important instructions or information there. 

 

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I sincerely hope this will be helpful and glad to have you aboard Cruise Critic! 

 

Happy sails,

 

Host Kat

[VIKINGCRUISER]

Sorry about that!

[LadyBerard]

Be careful if you decide to book your travel insurance through NCL.  I have a friend who canceled because he injured his back.  As he has had a history of back issues, NCL did not refund his cruise, but gave him an FCC for 90 percent.  He had the more expensive policy with NCL.

[CDNPolar]

20 minutes ago, LadyBerard said:

Be careful if you decide to book your travel insurance through NCL.  I have a friend who canceled because he injured his back.  As he has had a history of back issues, NCL did not refund his cruise, but gave him an FCC for 90 percent.  He had the more expensive policy with NCL.

 

Well, this comes down to what the policy said... was a refund expected?

 

If the back was considered a pre-existing condition when they went into his medical background, then that could be why medical did not cover.  BUT if he had CFAR with this package, he was lucky and at least got 90% in FCC.  That is much better than nothing.