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Saving Money on Your Cruise - Tips & AdviceOffer up your advice for saving money on cruises...from booking tips to info on shore excursions.
We've always purchased travel insurance for cruises. Our travel agent has used a variety of companies. One time we needed to place a claim because we had to cancel close to the sailing date, and the claim was honored
I use the Capital One Professional Mastercard to pay for all deposits and payments for our travel.
A friend said that most of the better credit cards offer trip cancellation insurance and I was curious as to whether you've had any experience with travel cancellation coverage with your credit card company.
I've called Mastercard and Capital One, and have gotten four different answers.
"- Trip Cancellation Insurance
Protects you and your family against forfeited, non-refundable, unused payments and deposits if your trip is interrupted or cancelled and you have purchased your common carrier tickets with your eligible MasterCard card."
If you want to verify what is and what is not covrered ask them to send it to you in writing. As they say, the devil is in the details.
The same also applies to travel insurance. Each policy is different and what one policy covers another one might not.
What your quote does not say is what constitutes cancellation or interruption of the trip. I suspect it won't do good for items such as illness but again the devil is in the details. Get it in writing. What you have provided has no details.
I agree get it in writing, before you chance it. I thought Capital One insurance covers car rental and if the trip was paid on the credit card, and lets say your plane goes down...your loved ones will benefit on the life insurance.
Keep in mind that most credit cards cover only trip cancellation, not medical expenes. Also, I doubt they'd cover the cost if you had to be flown to a medical facility and that can cost $15,000 or more. So before you use credit card Trip Cancellation make sure you get in writing what they cover for medical. And get your health insurance policy to read what they cover as well.
And keep in mind that few health insurance carriers cover you outside the US, so Caribbean travel wouldn't cover health problems. That is why most of us get Travel Insurance from carriers that cover everything.
NM Lady (Mary Kay) & my Joe
HAL 2- Star Mariner
NCL Jewel - April 2015. CAS Western Caribbean
NCL Star - Oct 2013 Panama Canal
NCL Star - Oct 2013. Transatlantic
NCL Sun - Oct 2010; Western Caribbean
NCL Sun - Oct 2010; Transatlantic
NCL Sun - Sept 2010; Norway, Iceland, Faroes, Lerwick, Scotland, Ireland
HAL Amsterdam - May 2010, 14 day Alaska
NCL Jewel - 2008 Transatlantic/British Isles
Celebrity Century -2007 British Isles
Oceania Regatta - 2007 Transatlantic to Marseille France HAL Zaandam - 2006 Hawaii
NCL Sun - 2006 Panama Canal
NCL Sea - 2005 Cozumel, Belize, Roatan
Radisson [Regent] Diamond - 2005 Around the Boot of Italy
Oceania Insignia - 2005 Transatlantic to Rio de Janeiro
RCI Empress of the Seas - 2004 Soutthern Caribbean
Celebrity Milennium - 2004
Carnival Imagination - 2003 Grand Cayman & Ocho Rios Jamaica
NCL Majesty - 2000 Mexican Riviera
Carnival Ecstasy - 2000 Bahamas
RCI Nordic Empress (before remodel to Empress of the Seas - 1999 Eastern Caribbean
Called both of my major credit card companies today, and neither one of them cover trip cancellation/interruption. One of them did however offer accidental death/dismemberment coverage if I paid through them.
OKAY!! Really!??! I already carry extensive coverage on DH and I for the kids. I'm not willing to pay for my trip on that card just because that is what they will cover. And to add insult to injury, that particular card company tried a hard sell for 5 minutes on their identity theft protection plan. We already have a contact order in place with all the major crediting bureaus if anyone applies for credit in our name. So why would I pay for that privelege?
Honestly.... sometimes I wonder why I even have a credit card! Oh wait... because today's economy mandates it.
Previous Cruises(85 days at sea)
Brilliance of the Seas - 8/7/14 (Baltics)
Navigator of the Seas - 3/9/14 (Western)
Allure of the Seas - 8/4/13 (Eastern)
Adventure of the Seas - 3/10/13 (Southern)
Rhapsody of the Seas - 7/27/12 (Alaska/Sawyer)
Grandeur of the Seas - 3/18/12 (Panama/ABC)
Voyager of the Seas - 12/31/11 (Western)
Navigator of the Seas - 5/22/11 (E. Med)
Adventure of the Seas - 12/19/10 (Southern)
Majesty of the Seas - 11/19/10 (Bahamas)
Liberty of the Seas - 4/11/10 (Western)
NCL Jewel - 12/13/09 (Western)