Go Back   Cruise Critic Message Board Forums > Cruise Lines "A - O" > Carnival Cruise Lines
 
Register here!
Forgot Your Password?


Notices

Carnival Cruise Lines
- Read thousands of Carnival Cruise Reviews
- Compare the best Carnival Cruise Deals
- Write a Carnival Review
- Find Your CARNIVAL Roll Call
See posts about:
Carnival Breeze
Carnival Elation
Carnival Glory
Carnival Liberty
Carnival Paradise
Carnival Splendor

Carnival Conquest
Carnival Fantasy
Carnival Imagination
Carnival Magic
Carnival Pride
Carnival Sunshine

Carnival Dream
Carnival Fascination
Carnival Inspiration
Carnival Sensation
Carnival Triumph
Carnival Valor

Carnival Ecstasy
Carnival Freedom
Carnival Legend
Carnival Miracle
Carnival Spirit
Carnival Victory

Reply
 
Thread Tools Display Modes
  #1  
Old May 27th, 2009, 08:01 AM
cmjb4ever cmjb4ever is offline
Cool Cruiser
 
Join Date: May 2009
Posts: 514
Default Carnival Travel Insurance

So yesterday I decided to buy travel insurance and I went to Carnival's site and added the protection plan. We don't cruise until Sept. 7 and our final payment isn't due until July 9, so I haven't yet paid for the insurance. We have an early saver booking. Then on the advice of posters on here, I shopped for third party insurance and found something cheaper than Carnival's, so I purchased it. When I went online to remove Carnival's from my bill, it gave me a message that I cannot remove it during the penalty period. Does anyone know what this means? I am stuck with having two travel insurance policies? Please help!!!
Reply With Quote

  #2  
Old May 27th, 2009, 08:10 AM
C. Anne C. Anne is offline
Cool Cruiser
 
Join Date: Apr 2008
Location: Texas
Posts: 105
Default

We've never purchased insurance, so I can't help you with your question, but we, too have an early saver and cruise in November. Could you tell me more about the 3rd party insurance that you purchased. We may like to do something like that. I hope it works out for you to get your insurance from Carnival taken off.

C. Anne
__________________


Carnival Ecstasy April 08
Carnival Conquest Nov 09


Reply With Quote

  #3  
Old May 27th, 2009, 08:14 AM
Ken076's Avatar
Ken076 Ken076 is online now
5,000+ Club
 
Join Date: May 2008
Posts: 7,140
Default

The Carnival Berkely Policy itself states that "The plan cost is non-refundable once you enter the cancellation penalty period...". when you book a cruise, the Final Payment Deadline (aka Cancellation deadline) is the day you have to make your final payment.

Your only hope is that the 3rd party Policy you purchased has a 10-day examination period, such that you could use that to cancel the 3rd party policy, IF that can be done after Final Payment Deadline.

What specific Policy did you purchase?

ken
Reply With Quote

  #4  
Old May 27th, 2009, 08:14 AM
EastTexans2's Avatar
EastTexans2 EastTexans2 is offline
Cool Cruiser
 
Join Date: Jul 2006
Location: Winnsboro, Tx
Posts: 2,482
Default

If you go to www.insuremytrip.com you will find many policies that you can compare and see what's best for you.
__________________
Lanie & Bill
Rhapsody of the Seas - 10-8-06
Splendour of the Seas -02-03-07
Carnival Ecstasy - 11-03-07
Voyager of the Seas - 01-13-08
Carnival Conquest - 10-26-08
Carnival Fantasy - 02-07-09
Carnival Conquest - 05-10-09
Reply With Quote

  #5  
Old May 27th, 2009, 08:15 AM
Ken076's Avatar
Ken076 Ken076 is online now
5,000+ Club
 
Join Date: May 2008
Posts: 7,140
Default

Quote:
Originally Posted by C. Anne View Post
We've never purchased insurance, so I can't help you with your question, but we, too have an early saver and cruise in November. Could you tell me more about the 3rd party insurance that you purchased. We may like to do something like that. I hope it works out for you to get your insurance from Carnival taken off.

C. Anne
I’ve been researching the Carnival Berkley Policy versus various 3rd Party Policies as listed on www.insuremytrip.com and www.buyamericaninsurance.com .

I did find some surprising (little known?) coverages in the Carnival Policy:

  • The Carnival policy is fully refundable if you cancel Cruise Booking & Trip Insurance prior to Final Payment deadline.
  • If your Carnival insurance claim is declined due to a Pre-Existing Medical condition, you will still receive the claim amount as credit toward a future cruise.
  • Carnival Insurance guarantees a $1000 payment to the Hospital if required for your admittance.
  • Carnival Insurance arranges for your Medical Evacuation and guarantees (pre-pays) the transportation company.
  • According to Carnival and Berkley Reps (and the Trip Insurance Airfare FAQ’s) the Carnival Insurance Trip Cancellation coverage also covers Non-Carnival Airfare!!! I have some trouble believing this! But from a carefull reading of the words of the Policy, one could infer this to be the case!!!

With Respect To other 3rd Party Policies, the Carnival Berkley Policy is “lacking” in these areas:
  • Carnival Policy has No Waiver of Pre-Existing Conditions
  • Carnival’s $30,000 Medical Evacuation coverage is barely adequate for the Caribbean and very low for European Cruises.
  • Carnival’s $10,000 Medical coverage is pretty low.
  • Carnival has no Accidental Death & Dismemberment (AD&D) Coverage for Airline Flights or for the Cruise.
  • Carnival’s premiums are overall higher than the 3rd party policies which have better coverages. The Carnival premiums are MUCH higher for younger travelers, who can save 50% or more, with higher coverages, by using the 3rd party policies.

The following 3 Policies stand-out for the indicated reasons:

PATRIOT T.R.I.P. is an (almost) comparable policy in coverages (except for too low coverage for Medical Evacuation and for Baggage Delay/Loss), with MUCH lower premiums.

TRAVEL INSURED LITE EXPANDED is about 25% less expensive for Senior Travelers and some 50% less expensive for Younger Travelers. The policy offers much higher Medical Expense and Medical Evacuation coverages, and includes Waiver of Pre-Existing Conditions, optional AD&D coverage, 1 kid per adult insured FREE, and Trip Cancellation coverage for Extended School Schedule.

CSA FREESTYLE looks to give the “best bang for the buck” with much higher/better coverag (for all but Baggage Delay/Loss). The policy includes coverages for Missed Connection, Waiver of Pre-Existing Conditions when purchased as late as FINAL Payment, Rental Car CDW, and AD&D Flight coverage. The premiums are lower for Seniors and quite a bit lower for Younger Travelers, but you can decrease those premiums by 20% more if you purchase your policy less than 20 days before sailing (I suspect that you lose the Waiver of Pre-Existing conditions).



Noteworthy coverages are indicated in bold.
· Several Policies include EXTENSION OF SCHOOL YEAR as a covered reason for cancellation: CSA, TRAVEL-INSURED
· Several policies specifically include MISSED [AIRPORT] CONNECTION coverage: CSA, PATRIOT-TRIP, TRAVEL-INSURED
· Several Policies include EMPLOYER LAYOFF as covered reason for cancellation: CSA, TRAVELEX, PATRIOT-TRIP
· Several policies cover Kids free for insured parents: TRAVELEX, TRAVEL-INSURED
· Several Policies offer CANCEL FOR BUSINESS REASONS option: CSA, TRAVELEX, TRAVEL-INSURED, AIG
· Several Policies offer CANCEL FOR MILITARY REASONS OPTION: TRAVELEX
· Several Policies offer CANCEL FOR ANY REASON option: CSA LUXE (up to 100% Refund), TRAVEL-INSURED (75% Refund), AIG CRUISE (75% Refund), TravelSafe
· Several Policies provide 150% OF TRIP COST reimbursement for Trip Interruption which better covers Expenses AND Airline Ticket.
· Several Policies offer Accidental Death & Dismemberment (AD&D) coverage for covered Airline flights.
· Several Policies return your premium if you cancel your cruise booking.
· The CSA Policies offer “Last Minute Purchase” 20% discount for purchase 20 days before departure.
· Travel Safe has the most detailed Policy.


For policies marked “secondary”, you will have to FIRST file with any of your existing Medical Plans, Homeowner’s Policies, or Credit Card Policies that apply; the “secondary” policy will cover (up to it’s limits) any expenses not paid by your PRIMARY policies.
For whichever of your Health Coverages (your own Health Plan or your Trip Insurance Plan) is PRIMARY, you probably want to use the Doctors/Facilities enrolled with that PRIMARY plan, in order to maximize benefits.


WRT premium costs, The Cruise Line policies noticeably discriminate against young and middle-aged cruisers – younger cruisers in particular should seriously consider these 3rd party policies that also factor age into the premium calculation. For Cruisers over age 60 the 3rd party std policy premiums are fairly close to those of the Cruise Lines, but with much better coverages than the Cruise Line coverages.



Ken
Reply With Quote

Ad Sponsored By
  #6  
Old May 27th, 2009, 08:20 AM
cmjb4ever cmjb4ever is offline
Cool Cruiser
 
Join Date: May 2009
Posts: 514
Default

I got Travelex Max from insuremytrip dot com and I do think there is a review period, so maybe I can cancel that. I just called Carnival and was told that I cannot cancel their insurance since I'm early saver. It would have been nice if that had been posted right on the website when I made one simple click. For the record, I did read the policy plan information before I made that click. It's not in that information. Oh well, even if I can't cancel Travelex, it's a nominal loss.
Reply With Quote

  #7  
Old May 27th, 2009, 08:33 AM
Ken076's Avatar
Ken076 Ken076 is online now
5,000+ Club
 
Join Date: May 2008
Posts: 7,140
Default

Quote:
Originally Posted by cmjb4ever View Post
I got Travelex Max from insuremytrip dot com and I do think there is a review period, so maybe I can cancel that. I just called Carnival and was told that I cannot cancel their insurance since I'm early saver. It would have been nice if that had been posted right on the website when I made one simple click. For the record, I did read the policy plan information before I made that click. It's not in that information. Oh well, even if I can't cancel Travelex, it's a nominal loss.
The rep is a bit confused on Carnival and Berkely, but it doesn't affect your situation.


The Quote I gave you is directly from the Berkely Trip Protection Policy.

TravelEx policies have a 10-day Review period which is stated as long as you haven't departed on trip or exercised a claim , so I think you may be OK on cancelling that policy ASAP. That's a shame, as that Policy has some nice benefits (Kids free with insured adults, employer layoff, reimbursement for airline change fees, etc.).

The Carnival Policy is still "adequate", just more expensive and not as wide/great a coverage as that TravelEx policy!!!

To ensure optimum "Pre-Existing conditions" coverage, the best time to buy the 3rd party polcies is at time of Cruise Deposit.

ken

Last edited by Ken076; May 27th, 2009 at 08:46 AM.
Reply With Quote

  #8  
Old May 27th, 2009, 08:42 AM
Ken076's Avatar
Ken076 Ken076 is online now
5,000+ Club
 
Join Date: May 2008
Posts: 7,140
Default

Quote:
Originally Posted by cmjb4ever View Post
I got Travelex Max from insuremytrip dot com and I do think there is a review period, so maybe I can cancel that. I just called Carnival and was told that I cannot cancel their insurance since I'm early saver. It would have been nice if that had been posted right on the website when I made one simple click. For the record, I did read the policy plan information before I made that click. It's not in that information. Oh well, even if I can't cancel Travelex, it's a nominal loss.
For the benefit of others!!!! With Carnival's Trip Protection Insurance, if you cancel your Cruise prior to the Final Payment deadline (and haven't made an insurance claim), the premium for your Carnival Trip Protection Insurance is refundable.

If Early Savers cancel prior to final Payment deadline they lose their deposit (but may transfer to a different cruise for $50pp) but in my opinion their Carnival Trip Insurance premium would still be refundable.

ken
Reply With Quote

  #9  
Old May 27th, 2009, 09:01 AM
Ken076's Avatar
Ken076 Ken076 is online now
5,000+ Club
 
Join Date: May 2008
Posts: 7,140
Default

cmjb4ever - I just re-read your initial post, indicating you're not even close to final payment deadline!

Your issue is that if you cancel your cruise prior to final payment deadline, your Carnival Trip Protection premium IS refundable, but the case where you want to keep the cruise and cancel the Policy, isn't addressed in the Policy.

You should be able to cancel the TravelEx policy, but first maybe call the Carnival Protection Plan Hotline 800 number and ask"if I keep the cruise can I cancel the Carnival Protection Plan prior to Final Payment Deadline? and How?"

ken
Reply With Quote

  #10  
Old May 27th, 2009, 09:06 AM
rsinj rsinj is offline
Cool Cruiser
 
Join Date: Jul 2004
Location: Princeton, NJ
Posts: 1,426
Default

Quote:
Originally Posted by cmjb4ever View Post
I got Travelex Max from insuremytrip dot com and I do think there is a review period, so maybe I can cancel that. I just called Carnival and was told that I cannot cancel their insurance since I'm early saver. It would have been nice if that had been posted right on the website when I made one simple click. For the record, I did read the policy plan information before I made that click. It's not in that information. Oh well, even if I can't cancel Travelex, it's a nominal loss.
It is posted right on the website before you purchase.

Travelex Travel Max

Refund Policy10 Day Free Look

Contact them and you should be fine to get a refund.

Howard
__________________
Disney Wonder - November 2000
Disney Magic - May 2003 (10th Wedding Anniversary)
Voyager of the Seas - August 2005
Carnival Miracle - August 2007
Norwegian Star - August 2008
Carnival Miracle - September 2010
Norwegian Jewel - September 2011
Norwegian Epic - February 2014
Reply With Quote

  #11  
Old May 27th, 2009, 09:10 AM
cmjb4ever cmjb4ever is offline
Cool Cruiser
 
Join Date: May 2009
Posts: 514
Default

Thanks, Ken. I will call Carnival back. I just think it's crappy that it wasn't made more clear that I couldn't remove the insurance prior to final payment. But I can cancel Travelex then it's not a big deal. Live and learn!
__________________
Carnival Valor to Southern Caribbean in January 2016
My Cruise Countdown | I'm sailing to the Caribbean on 01/17/2016 aboard the Carnival Valor!
Carnival Pride to Eastern Caribbean in September 2014
My Cruise Countdown | I'm sailing to the Caribbean on 09/21/2014 aboard the Carnival Pride!
Carnival Valor to Western Caribbean in November 2012
Carnival Pride to Bahamas in January 2011
Carnival Triumph to Canada in September 2009
Regal Princess to Alaska in July 2006
Reply With Quote

  #12  
Old May 27th, 2009, 09:26 AM
rsinj rsinj is offline
Cool Cruiser
 
Join Date: Jul 2004
Location: Princeton, NJ
Posts: 1,426
Default

Quote:
Originally Posted by Ken076 View Post
The following 3 Policies stand-out for the indicated reasons:
Your mileage may vary, but...

I've researched the policies in the past and have no reason to redo the searches as I've found Travelex provides the best all-around policy when you put their pricing together with the coverage they provide. Medical coverage is primary and limits are high. We've purchased with them our past 3 cruises and yesterday just purchased for our cruise next year.

Howard
__________________
Disney Wonder - November 2000
Disney Magic - May 2003 (10th Wedding Anniversary)
Voyager of the Seas - August 2005
Carnival Miracle - August 2007
Norwegian Star - August 2008
Carnival Miracle - September 2010
Norwegian Jewel - September 2011
Norwegian Epic - February 2014

Last edited by rsinj; May 27th, 2009 at 09:32 AM.
Reply With Quote

  #13  
Old May 27th, 2009, 09:49 AM
txtwinmom txtwinmom is offline
Cool Cruiser
 
Join Date: Sep 2007
Posts: 309
Default

Hey, Ken - what exactly is the CSA plan and how do I get in touch with them as I am about 20 days from sailing and haven't gotten insurance yet. A 20% discount would be really nice! Thanks, Beth
Reply With Quote

  #14  
Old May 27th, 2009, 10:33 AM
rsinj rsinj is offline
Cool Cruiser
 
Join Date: Jul 2004
Location: Princeton, NJ
Posts: 1,426
Default

Quote:
Originally Posted by txtwinmom View Post
Hey, Ken - what exactly is the CSA plan and how do I get in touch with them as I am about 20 days from sailing and haven't gotten insurance yet. A 20% discount would be really nice! Thanks, Beth
The CSA policies are available through insuremytrip dot com and full details are there - you can compare with many others easily in a table format. However, even with a 20% discount they are similarly priced with the comparable Travelex policies, have lower limits of coverage, and medical coverage is secondary, not priimary.

Howard
__________________
Disney Wonder - November 2000
Disney Magic - May 2003 (10th Wedding Anniversary)
Voyager of the Seas - August 2005
Carnival Miracle - August 2007
Norwegian Star - August 2008
Carnival Miracle - September 2010
Norwegian Jewel - September 2011
Norwegian Epic - February 2014
Reply With Quote

  #15  
Old May 27th, 2009, 10:42 AM
poobears poobears is offline
Blue Ribbon Cruiser
 
Join Date: Apr 2007
Posts: 3,401
Default

Thanks for all that info. Looks like travel insure would work best for us next year. If all 4 kids would be free that should save a lot, then having the school extension policy would benefit us too since some times snow days push us long. We'd be able to chance booking closer to the scheduled end of the school year if we had a policy to cover the extension.
Reply With Quote

  #16  
Old May 27th, 2009, 10:47 AM
Ken076's Avatar
Ken076 Ken076 is online now
5,000+ Club
 
Join Date: May 2008
Posts: 7,140
Default

Quote:
Originally Posted by txtwinmom View Post
Hey, Ken - what exactly is the CSA plan and how do I get in touch with them as I am about 20 days from sailing and haven't gotten insurance yet. A 20% discount would be really nice! Thanks, Beth
Beth - checkout http://www.csatravelprotection.com/c...F7141212E8CBA2

ken
Reply With Quote

  #17  
Old May 27th, 2009, 10:52 AM
Ken076's Avatar
Ken076 Ken076 is online now
5,000+ Club
 
Join Date: May 2008
Posts: 7,140
Default

Quote:
Originally Posted by poobears View Post
Thanks for all that info. Looks like travel insure would work best for us next year. If all 4 kids would be free that should save a lot, then having the school extension policy would benefit us too since some times snow days push us long. We'd be able to chance booking closer to the scheduled end of the school year if we had a policy to cover the extension.

checkout the Policies - I believe it's one kid free per insured adult for the Lite and LiteExpanded policies and all kids free with the more expensive Protector Policy. Also check the TravelEx Polcies for Under 16 Free (I didn;t check if TravelEx has Extended School Yeqar coverage).

ken
Reply With Quote

  #18  
Old May 28th, 2009, 07:19 AM
cmjb4ever cmjb4ever is offline
Cool Cruiser
 
Join Date: May 2009
Posts: 514
Default

Update: I called Carnival several times last night and FINALLY got them to remove the travel insurance without any penalty. They kept telling me that because I booked early saver, it was non-refundable. I kept arguing that I added it after booking and that nothing told me that it was nonrefundable when I have not even paid for it yet. I also told them that I'd take OBC instead of removal, but they finally removed it. So I can stick with Travelex Max. Thanks for the advice!
__________________
Carnival Valor to Southern Caribbean in January 2016
My Cruise Countdown | I'm sailing to the Caribbean on 01/17/2016 aboard the Carnival Valor!
Carnival Pride to Eastern Caribbean in September 2014
My Cruise Countdown | I'm sailing to the Caribbean on 09/21/2014 aboard the Carnival Pride!
Carnival Valor to Western Caribbean in November 2012
Carnival Pride to Bahamas in January 2011
Carnival Triumph to Canada in September 2009
Regal Princess to Alaska in July 2006
Reply With Quote

  #19  
Old July 25th, 2009, 02:12 AM
OV8 OV8 is offline
Cool Cruiser
 
Join Date: May 2009
Location: NoVa
Posts: 413
Default

Quote:
Originally Posted by Ken076 View Post
I’ve been researching the Carnival Berkley Policy versus various 3rd Party Policies as listed on www.insuremytrip.com and www.buyamericaninsurance.com .
Ken

Ken - do u know if trip interruption such as missed flight connection is covered on the return portion ie going home AFTER the part on the boat is finished?
__________________
  • AOS - W Car - Jun14

  • FOS - E Car - Aug09

  • EOS -E Car - Jun01
Reply With Quote

  #20  
Old July 25th, 2009, 02:17 AM
BlueJacketsFan1's Avatar
BlueJacketsFan1 BlueJacketsFan1 is offline
Cool Cruiser
 
Join Date: Mar 2005
Location: Ohio
Posts: 2,198
Default

My wife and I wouldn't cruise without travel ins. If you ever have to use it, it will pay for itself. So many things can happen while on vacation. We have alway use Berkley Ins. with AAA. It is a little more than Carnival's Ins, but I think the extra cost is worth it.
__________________

Former Unofficial Head Life Guard
of the Topless Deck

Carnival Triumph 11/1/2003
Carnival Valor 10/23/2005
Carnival Liberty 10/13/2007
Carnival Miracle 10/19/2009
Carnival Liberty 10/29/2011
Reply With Quote

Reply

Bookmarks


Ad Sponsored By
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump


All times are GMT -4. The time now is 09:58 AM.


© 1995 - 2014, The Independent Traveler, Inc. All rights reserved.
"A Community of People Who Love To Cruise"
All of the information contained within Cruise Critic is protected by copyright. You may, however, download a single copy only for your personal use.