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  #1  
Old June 9th, 2012, 08:33 PM
WAVTAM WAVTAM is offline
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Default Annual insurance

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
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  #2  
Old June 9th, 2012, 09:33 PM
cruiseco cruiseco is offline
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Quote:
Originally Posted by WAVTAM View Post
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
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  #3  
Old June 13th, 2012, 05:01 AM
Keith1010 Keith1010 is offline
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My only recommendation is to read the policies very carefully so you know what they cover and don't cover.

Keith
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  #4  
Old June 13th, 2012, 11:04 AM
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6rugrats 6rugrats is offline
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I looked into this and discussed it with Travelguard, and the problem with the policies I read was the very low coverage they provided.
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  #5  
Old June 13th, 2012, 12:01 PM
donaldsc donaldsc is offline
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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
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  #6  
Old June 21st, 2012, 08:58 AM
Hlitner Hlitner is offline
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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
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  #7  
Old July 13th, 2012, 02:24 AM
singwong singwong is offline
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thanks for your information guys
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  #8  
Old July 13th, 2012, 06:06 PM
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we're sailing away.... we're sailing away.... is offline
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Quote:
Originally Posted by 6rugrats View Post
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..
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