Help-travel insurance

[ruthiegirl]

Considering travel insurance for upcoming cruise on insp.(4) night carnival offers 49 per person need some advice

[skylock]

My advice is get travel insurance.

[Ken076]

Originally Posted by ruthiegirl

Considering travel insurance for upcoming cruise on insp.(4) night carnival offers 49 per person need some advice

The Carnival Berkely Policy offers very low Medical coverage, marginal MedEvac coverage and no "Waiver of Pre-Existing Conditions" (but DOES offer Future Cruise CREDIT if your claim is denied as due to Pre-Existing Condition) and as of 7/01/2009 includes cancellation coverage for Hurricane Warning, and cancellation coverage for Job Layoff. If you cancel your Cruise before final Payment the Carnival Policy premium is refundable. Carnival and Berkely both CLAIM that the Policy also covers your independently purchased AirFare. The Carnival Policy is a good deal financially (only) if you're in upper 60's or over, as Age is not factored into the Premium as it is with 3rd Party Policies.

The 3rd Party Policies such as CSA, Travel-Ex and Travel-Insured offer much higher coverages are much less expensive if you're younger, and generally offer "Waiver of Pre-Existing Conditions" if you purchase w/in 14-21 days of Cruise Deposit (CSA and HTH allow you to purchase up to Final Payment and retain the Waiver). Most Policies are “Secondary” meaning that you have to first file claims with your own Health/Homeowners Insurance and the 3rd party Policy will pay what your insurance doesn’t pay (up to limits of the policy). If you're traveling with kids, checkout TravelEx and TravelInsured, who insure Kids free with insured adults.

TravelEX is PRIMARY and includes kids under 16 free and offers a Business/Military upgrade.

CSA Freestyle includes Cancellation for Layoff and for School Year Extension.

Patriot TRIP is PRIMARY coverage and includes Cancellation for Layoff, Cancelled Leave for Military, Fire & Police and Missed cruise for flite delay.

TravelInsured includes kids insured free with insured adult. Low rates especially for yopunger cruisers, for insurance comparable to Carnival's

TravelSafe includes Cancel for Hurricane Warning and Cancel for Any Reason (not always 100%).

Ken

[jayesouthworth]

Make sure the policy has everything you need in a policy. Like being airlifted for medical emergency, insurance for cancellation, etc. There's plenty of threads on this site (just search "travel insurance"). Prices vary from company-to-company. Read the policy!! And by all means GET THE INSURANCE!! There's plenty of threads here too where people didn't get the insurance and they lost out big time.