Insurance Question

[momofmeg]

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.

[momofmeg]

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?

[catamaran]

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.

[LoneStar72]

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

[onabona]

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