momofmeg Posted July 20, 2004 #26 Share Posted July 20, 2004 Well Travelguard did ask for our credit card # before giving a price. Hubby checked a couple of others and they wee outrageouslike $475 total for 4 people. I am fifty, hubby 46 , daughter 20 and mothr-inlaw 70. The cost of cruise is $700 a person. We want coverage in case of emergency if we miss trip or additionial coverage if we were to get sick on cruise and health insurance does not cover all expenses. I think both of these things are pretty basic. We have never bought cruise insurance. Never felt we would need it but after my father inlaw died of a stroke at 66 (he had had a check up less then a week before and declared in great health) and we had to cancel a trip. Then last year hubby had to have emergency gall bladder surgery and we had to cancel a trip. Neither trips were cruises and with a Dr's. letter we were able to get refunds but that taught me you just never know. Both times were like 2 days before the scheduled trip. Link to comment Share on other sites More sharing options...
momofmeg Posted July 20, 2004 #27 Share Posted July 20, 2004 Sorry I forgot to say thanks to the post who told me about CSA. We will check them out. I also see the problem now is my motherinlaw's age. I wonder if we could book insurance directly through the cruiseline for her as it is cheaper for her there and elsewhere for us. Has anyone done that? Link to comment Share on other sites More sharing options...
catamaran Posted July 20, 2004 #28 Share Posted July 20, 2004 I have used Travelguard in the past, but dropped them, when I turned 80, because their products are age rated. When insurance exceeds 7percent of the cruise cost, it is too high. I have been on 25 cruises and never needed my insurance, but have seen others use it, especially if they had preexisting conditions. The last 3 cruises i used TRIPASSURED, which my agent, Bestpricecruises recommended. It was also used by Cruisequick. They are not age rated, so they are more affordable. There was a post sometime ago on CC about them , but it disappeared. Doe anyone have experience with them? For a $ 1000 cruise, they charge $ 63/pp.Anyone have suggestions? It seems that cruise line insurance gets affordable at my age. Link to comment Share on other sites More sharing options...
LoneStar72 Posted July 28, 2004 #29 Share Posted July 28, 2004 I've booked travel insurance for all my previous cruises through the cruise line. But because of the info on these boards, for our upcoming cruise I decided to try "third-party" insurance. The combination of http://www.travelinsurance-info.com/ to educate me on policy features and http://www.insuremytrip.com to show me what's available and to allow comparison shopping is a real winner! I believe I've purchased a better policy for substantially lower cost than I would have gotten through the cruise line. Thanks again! John Link to comment Share on other sites More sharing options...
onabona Posted August 1, 2004 #30 Share Posted August 1, 2004 since this insurance question has been posted i'd like to ask another related question... which ins. has the best coverage for a prexisting heart condition? TRAVEL GUARD(look it up on the internet) has pre-existing if you buy it within 15 days of your 1st deposit. http://www.travelguard.com Hope this helps Link to comment Share on other sites More sharing options...
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