Annual insurance

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!

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
All times are GMT -4.
The time now is 12:40 PM.
2,378 Posts
Joined Sep 2002
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
14,642 Posts
Joined Feb 2007
I looked into this and discussed it with Travelguard, and the problem with the policies I read was the very low coverage they provided.
Las Vegas
11,025 Posts
Joined Feb 2007
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.

New Cumberland,PA, USA
27,706 Posts
Joined May 2000
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.

20,314 Posts
Joined Nov 2008
Originally posted by 6rugrats
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..
Expand Signature
Collapse Signature
We've been on
Carnival: 27 voyages 184 days
Celebrity: 3 voyages 24 days
Holland: 29 voyages 661 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: 84 Cruises 1118 days

Veendam Atlantic Crossing 10/17 - 49 days
Amsterdam World Cruise 1/18 - 113 days
Rotterdam Boston to Rotter 7/18 - 19 days
Prinsendam Amster to FTL 8/18 96 days
Zaandam Antarctic 12/18 - 22 days
Nieuw Statadam Carb. 1/19 - 7 days
Amsterdam World Cruise 1/19 113 days