Annual insurance

[WAVTAM]

We do 5-6 cruises a year, so looking for an annual type insurance policy. We see two offered the insuremytrip. Do others have recommendation's. Wayne

[cruiseco]

Originally Posted by WAVTAM

We do 5-6 cruises a year, so looking for an annual type insurance policy. We see two offered the insuremytrip. Do others have recommendation's. Wayne

http://www.travelinsurancebasics.com/annual.php

[Keith1010]

My only recommendation is to read the policies very carefully so you know what they cover and don't cover.

Keith

[6rugrats]

I looked into this and discussed it with Travelguard, and the problem with the policies I read was the very low coverage they provided.

[donaldsc]

We have HTH Worldwide Insurance Travelguard Gold. The one time we used them for reimbursement of medical costs, they treated us fairly.

We have made a decision that we only need to cover medical and evacuation and we self insure for everything else. If we have to cancel a cruise after final payment (to date, it has never happened), we will absorb the loss.

IMO, insurance for everything else such as loss of luggage, trip delay, etc. is a total waste of money.

DON

[Hlitner]

We have similar issues to the OP although in our case it is even worse since we travel around 5 months a year and also do a lot of cruising (99 days in the past 12 months). Several years ago we decided that trip cancellation insurance was too expensive and did not make a lot of sense for us since we seldom cancel a cruise (it has happened once in over 100 cruises). We finally decided it made sense to purchase an annual travel medical policy (quite inexpensive at about $200 a year per couple) which gives us extra coverage for medical and trip evacuation. Folks need to keep in mind that a medical emergency can have unlimited costs risk while the cost of a cruise only risks that specific cost. So we find it makes sense to self-insure the cost of our cruises (we would spend that money anyway) but never gamble on medical.

Hank

[singwong]

thanks for your information guys

[we're sailing away....]

Originally Posted by 6rugrats

I looked into this and discussed it with Travelguard, and the problem with the policies I read was the very low coverage they provided.

I agree..