Insurance

[CanadianMAG]

I always get travel insurance from the bank I work at, since I am an employee I get it 50% off.

I have noticed there are a lot of "cruiseship" insurances, is there really a difference compared to normal travel insurance.
The travel insurance I get has the normal trip delay, lost luggage, illness, emergency fees.... It has emergency air transportation back to my country (canada) from anywhere in the world.. I am almost 95% sure there is no capped dollar amount, and I believe it does need to be life threatening. It also has normal medical services coverage with the local hospitals.


Anything I should look out for or make sure my travel insurance I normally purcahse includes.


**updated, here are the details...Thanks for your help!!**

Comprehensive coverage includes:

Unlimited hospital, ambulance and medical expenses in event of an emergency illness or injury.
Arranged emergency transportation and evacuation services, private duty nursing expenses, physiotherapy and other professional services
The complimentary Travel Services Plan provides:

Trip Cancellation Insurance.
Trip Interruption and Trip Delay Insurance.
$100,000 Common Carrier Accidental Death Benefits.
Baggage and Personal Effects Insurance

What Is Covered


Among other things, this insurance covers:

Emergency hospital, ambulance, and medical expenses up to $1 million
Private duty nursing expenses
Emergency dental expenses
Transportation to bedside
Emergency air transportation or evacuation
Return of deceased
Additional hotel and meal expenses
Return of vehicle

[jhannah]

As long as you're sure it covers you outside North America, it sounds good to me.

[louiskam]

I'm a Canadian and prefer to buy the insurance from a Canadian dealer. Yours sound pretty well covered. Is it from Royal Bank?

[CanadianMAG]

Ok good.. didnt know if there was a difference for a cruise.

Actually the insurance is with Bank of Montreal.

Thanks for your help

[louiskam]

If you really want to compare yours with other Canadian quotes, try http://www.insuremytrip.ca too.

[Cruiseoften]

*
CanadianMAG - a question - for what reasons can you cancel? e.g. you slip in the bathtub and break your arm the morning of departure; an 'in-law' dies; your home is broken into the night before you are due to sail - are such things covered?????...........things we never expect to happen.

Personally I'd never buy a cruise lines insurance - it's American designed (no offense intended) and will not necessarily cover things Canadian.
We swear by the Royal Bank/Voyageur Insurance coverage.

Why not pick up a leaflet on that and compare with your BoM.

A 50% discount is nice to have but only if it covers necessities.
Travel insurance, like household insurance, is something we hope never to use but, when you think of it seriously, it's something we can't afford to travel without. Getting sick away from your own Province, never mind Country could be a very costly mishap.

[CanadianMAG]

Yes all those senerios are included in the trip cancellation.

I read the fine print on the BMO, Royal Bank and other Canadian places and they are all for Canadians.... now I need to look for some insurance in the USA for FH.