Travel Insurance

[Orcrone]

A total of eight people from my family are going on a cruise. Our ages are anywhere from 15 to 78. A couple have pre-existing conditions,.

 

Because of this no one insurance company is best for all of us. Is there any advantage to purchasing insurance for all eight of us through one company. Or should each of us get insurance based on the best prices for our circumstances?

[lougee1043]

go to www.insuremytrip.com and you can review lots of different companies -what they offer and what they charge-----you could then pick the ones that best suit the various members of your trip

[mirrajay]

Keep in mind thought that most of the companies need you to buy insurance within 14 days of booking your cruise in order to cover pre-existing conditions. Just be sure to read the fine print.

[cruiseco]

 

Because of this no one insurance company is best for all of us. Is there any advantage to purchasing insurance for all eight of us through one company. Or should each of us get insurance based on the best prices for our circumstances?

 

The biggest advantage is convenience in the case of a claim. For example, if grandma has a health problem and a couple of other group members also cancel because of that it would be easier for all to deal with one claims department. But that should not be the determining factor in the purchase. Every traveler should buy the policy that best suits their needs.

[lougee1043]

The biggest advantage is convenience in the case of a claim. For example, if grandma has a health problem and a couple of other group members also cancel because of that it would be easier for all to deal with one claims department. But that should not be the determining factor in the purchase. Every traveler should buy the policy that best suits their needs.

i personally would think that the premium for 8 will be more then the separate premiums for 2 mutiplied by 4 because if you book 8 with preexisting conditions the insurer has to figure if one cancels they all cancel ---booking by couple eliminates this problem

[mcboo]

Check out www.travelex.com pre-existing conditions are covered as long as policy purchased at least 21 days from time of deposit. Read the fine print.

[cruiseco]

i personally would think that the premium for 8 will be more then the separate premiums for 2 mutiplied by 4 because if you book 8 with preexisting conditions the insurer has to figure if one cancels they all cancel ---booking by couple eliminates this problem

 

Unless you get a group policy which normally requires ten or more travelers the premium are based on the insured's age and per person trip cost. Whether a person is traveling solo or part of a group of eight the premium will be the same.