Welcome to Cruise Critic! If you'd like to participate on our forums by joining in the conversation, please Register Now! Be sure to visit our FAMOUS Roll Call forums, where you can meet other cruisers sailing with you and share a tour or shore excursion and SAVE MONEY!
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.
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.
I looked into this and discussed it with Travelguard, and the problem with the policies I read was the very low coverage they provided.
__________________ We've been on Carnival: 27 voyages 184 days Celebrity: 3 voyages 24 days Holland: 14 voyages 201 days Norwegian: 2 voyages 16 days Princess: 16 voyages 154 days Royal Carib: 5 voyages 35 days Vantage:River 2 voyages 39 days
GRAND TOTAL: 69 Cruises 653 days
NOT YET SAILED Rotterdam Canary 4/15 - 18 days Veendam Bermuda 6/15 - 14 days River Cruise France 8/15 - 21 days Emerald Europe 8/15 -14 days Eurodam Viking Passage 9 /15 -17 days Xpedition Galapogas 11/15 - 10 days
Prinsendam Amazon 11/15 - 25 days Volendam Asia 2016- 93 days
Amsterdam World Cruise 2017