Travel Insurance

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#1
Tampa Bay
59 Posts
Joined Feb 2014
TA is quoting us $1860.00 for me and my wife ($930 per person).

We're flying out of Tampa to LA then LA to Fiji for the Aug 30th 12-day PG cruise. We're going to stay 3 nights at the Sofitel in Fiji prior to embarkation.


Do you think it's worth paying $1900.00 for travel insurance?
#2
Boston
4,755 Posts
Joined Jan 2003
Originally posted by Espi
TA is quoting us $1860.00 for me and my wife ($930 per person).

We're flying out of Tampa to LA then LA to Fiji for the Aug 30th 12-day PG cruise. We're going to stay 3 nights at the Sofitel in Fiji prior to embarkation.


Do you think it's worth paying $1900.00 for travel insurance?
Depends on what you're paying for the vacation.

If you are staying in a suite and the vacation is costing you $16K, then this is not unreasonable. If you are staying in an inside cabin and the trip is $6K, then it's too much.

Go to any trip insurance website and enter your details and see what other quotes you get. You can do this without entering personal information or a credit card.
#3
New Cumberland,PA, USA
27,442 Posts
Joined May 2000
So here is a thought, You can buy a very good annual Travel Medical policy for about $350 per year (total cost per couple) that will cover medical costs (up to $250,000) on every trip you take during an entire year (as long as the trip does not exceed 70 days in length). So why are you going to pay $1860 for a policy that probably does not even have very good medical coverage? Because you would be insuring the cost of trip cancellation. So, is it worth $1500 to you to insure that cost? That is the question. Some frequent travelers (including moi) do not buy Trip Policies because they are very expensive and we are willing to self-insure (or take the risk) of the cost related to trip cancellation or delay. In our case we are ahead of the game by over $200,000 because of all the Trip Insurance we have NOT purchased for our many trips. But some folks do not want to take this gamble, and others have certain risks (like a sick family member) that makes the cost of Trip Insurance a reasonable purchase.

There is no right or wrong (although everyone should have medical insurance) to this issue but rather a simple calculation of how much risk you are willing to assume vs spending the big bucks.

Hank
#4
Edmonton
2,043 Posts
Joined Oct 2012
I too use an annual policy that is available here in Canada that covers both medical and trip cancellation. The medical coverage is great. Sometimes the trip coverage maximum does not cover my total cost. Depending on the difference between the coverage and the trip cost I either choose to self insure, ie take the risk, on the difference or I contact them, pay an additional premium for that specifc trip and am fully insured. Far cheaper than trip by trip travel insurance. My coverage is for a maximum of 31 days out of country at a time as many times a year as I want to use it. Again for an additional premium I can get it extended if required and have in the past.
#5
North West, England
345 Posts
Joined Jan 2010
Finally something that is cheaper in the uk... I get my travel insurance free with my bank account.
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#6
Tampa Bay
59 Posts
Joined Feb 2014
Thanks for the replies so far.

We've budgeted our trip so far at about $35K. I personally think we'll be pushing 40k by the time we're done (excursions, etc.)

The insurance company that the TA is recommending is Allianz and I've read reviews about them on this site and so far I'm not very impressed.

Any companies out there besides Allianz that people like/can recommend?
#7
We live on a small lake in rural Nebr.
7,257 Posts
Joined Oct 2003
That sounds really high, but cost does depend upon the price of the trip and the kind of coverage, also on your age. For our recent 17 day cruise, our insurance was about $300. We're late sixties. Our total trip cost was probably around $4000 though.

I always use an insurance compare site so that I can get the policy I need--for instance, I need a policy that covers existing conditions for family members. I also try to find one with very high medical coverage for things such as medical evacuation.

We can, if necessary, eat the cost of the trip itself, but if one of us had serious medical problems that is where the big bucks come in. We have had to use our trip insurance 3 times, twice for health crisis for elderly parents, once during the SARS epidemic for a trip to China.
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SciFi
#8
Middle of the Sahara Desert
11,799 Posts
Joined Aug 2006
Originally posted by Espi
TA is quoting us $1860.00 for me and my wife ($930 per person).

We're flying out of Tampa to LA then LA to Fiji for the Aug 30th 12-day PG cruise. We're going to stay 3 nights at the Sofitel in Fiji prior to embarkation.


Do you think it's worth paying $1900.00 for travel insurance?
The bulk of the insurance cost is probably trip cancellation . Also are you 60+ then most medical insurance plans skyrocket. For example I'm over 60 my insurance for travel is double of what my DW pays . I have checked a number of insurance sites and yes insurance is expensive.
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#9
Florida
20,184 Posts
Joined Nov 2008
We are 59/60 and we pay 6.5 % of the total cost of want I whant insurance on .
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#10
Tulsa, Oklahoma
12,833 Posts
Joined Feb 2006
I've been thinking of getting annual insurance for my sister and I. We cruise 3 or 4 times a year and also spend a month at the beach in the summer.

$250,000 medical sounds okay, but what about medical evacuation? Is that also included in an annual policy? I usually want about $500,000 for evac.
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#11
Ohio
772 Posts
Joined Apr 2009
For those asking for the sites to compare, try: www.insuremytrip.com I think I've heard others talk about insurance store, or something like that.

To me, the quote you were given seems high. The nice thing about insuremytrip, is you can select what level of insurance you want / require.

Personally, I always get trip insurance for trips I take out of the country. I tend to take 1 trip a year, so for me, buying insurance on a trip by trip basis makes more sense than an annual policy.
#12
SoCal
2,312 Posts
Joined Aug 2004
Originally posted by YoungDubFan
For those asking for the sites to compare, try: www.insuremytrip.com I think I've heard others talk about insurance store, or something like that.

To me, the quote you were given seems high. The nice thing about insuremytrip, is you can select what level of insurance you want / require.

Personally, I always get trip insurance for trips I take out of the country. I tend to take 1 trip a year, so for me, buying insurance on a trip by trip basis makes more sense than an annual policy.
We use insuremytrip as well. To the OP: I would check insuremytrip. Input your trip parameters and compare the premiums and coverage. Pay particular attention to the medi-vac coverage.
#13
Tampa Bay
59 Posts
Joined Feb 2014
FYI I'll be 43 in FEB and wife will be 59 in March.

per email from my TA:

"It covers everything from trip cancellation/interruption to emergency medical evacuation and services.

It is through Allianz Global Assistance. We always include the quote and travel insurance policy information in every invoice we send to our guests. It is completely optional but recommended.

There is no deductible but in some cases, such as having the visit the ship’s doctor, you would have to pay for that service out of pocket immediately. You would be later reimbursed for it once you have filed a claim and it is approved."
#14
Tampa Bay
59 Posts
Joined Feb 2014
Originally posted by RJ2002
We use insuremytrip as well. To the OP: I would check insuremytrip. Input your trip parameters and compare the premiums and coverage. Pay particular attention to the medi-vac coverage.
Thank you.

I appreciate all replies so far. Please keep 'em coming.
#15
We live on a small lake in rural Nebr.
7,257 Posts
Joined Oct 2003
I use insuremytrip too. They are also very helpful on the phone if you need clarification of various policies and terms.
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SciFi
#16
Ontario, CA (The one WITH the Palm Trees!)
22,434 Posts
Joined Jan 2011
Look at the policies and see what you need/want. Do you need trip insurance or just medical?

Some medical only policies have some trip included.

For DD (studying abroad) we build her a policy thru Travel Guard. She doesn't need as much travel as she does medical.
#17
Greenville, SC, USA
52,141 Posts
Joined Apr 2000
Travel insurance is usually based on the cost of the trip.

Today I had to cancel our upcoming trip. My wife has been diagnosed with cancer and will be having surgery and chemo in the coming months. The cruise was for March 2, so we get nothing except taxes and port charges from the cruise line. It was a 30 day b2b costing over $10K.
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Paul
#18
Southern California
1,672 Posts
Joined May 2008
Originally posted by Espi
Thank you.

I appreciate all replies so far. Please keep 'em coming.
What ever you decide on bump it up a little and get the CANCEL FOR ANY REASON rider. happy cruising
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#19
Oregon
178 Posts
Joined May 2011
Lately, I have been using Travel Guard, but do check competitive prices for each trip. I particularly like Travel Guard's "build your own" product that allows us to define our needs based on the individual trip. I've never made a claim (knock on wood) but they have been nice on the phone.

Some important concerns to me....
coverage for pre-existing conditions
reasonable medical evac coverage based on itinerary
"hospital of choice" for medical evac
reasonable medical coverage based on itinerary
primary or secondary medical coverage is based on itinerary
policy exclusions
deductibles

Some concerns not so important to me anymore since I'm more willing to self-insure...
trip cancellation
baggage
accidental death

You may want to check out the Cruise/Travel Insurance forum at:
http://boards.cruisecritic.com/forumdisplay.php?f=635

I learned a lot going through that forum when I first started cruising.
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#20
New Cumberland,PA, USA
27,442 Posts
Joined May 2000
Originally posted by okgirl
I've been thinking of getting annual insurance for my sister and I. We cruise 3 or 4 times a year and also spend a month at the beach in the summer.

$250,000 medical sounds okay, but what about medical evacuation? Is that also included in an annual policy? I usually want about $500,000 for evac.
Our Annual Med does also toss in $500,000 of medical evacuation insurance. It used to be underwritten by HTH but recently has been turned over to GlobalBlue which part of the Blue Cross/Blue Shield Network. What is cool it that it is an annual policy so it covers us for our approximate half a dozen trips per year (3 of which are for about 2 months per trip). AMEX also has a similar policy (it used to only cover each trip up to 60 days) for its card holders.

Trip Evac does have its own problems since its use is generally controlled by the insurance company and physicians. For those who want the Rolls Royce of Trip Evac there is a policy available from Medjetassist. The liability from the cost of cancelling a trip is limited to the cost of the trip and that is something we can afford to self-insure since we are going to pay for the trip. But Medical liability is essentially unlimited and we do not know anyone who can (or should) gamble on that type of risk.

Hank