katrina915 Posted March 7, 2018 #1 Share Posted March 7, 2018 I usually go through a TA so first time purchasing trip insurance on my own. I will be cruising with my sister and she lives in a different state so we need separate policies. Insuremytrip person indicated that the "total trip" cost would be our individual portion of the cabin and airfare. Airfare makes sense, but I wasn't sure about the cabin cost so wanted to confirm here. If cabin is $4,000 and we are sharing the cabin: Should our individual policies be for $2,000 (1/2 of cabin) or $4,000 (full fare of cabin)? Thanks! Link to comment Share on other sites More sharing options...
klfrodo Posted March 7, 2018 #2 Share Posted March 7, 2018 What is your individual cost for the trip? $2000 for your share Link to comment Share on other sites More sharing options...
katrina915 Posted March 7, 2018 Author #3 Share Posted March 7, 2018 What is your individual cost for the trip?$2000 for your share Yes,$2,000 would be my share. So that would be total trip cost to insure, right? Thanks. Link to comment Share on other sites More sharing options...
Bo1953 Posted March 7, 2018 #4 Share Posted March 7, 2018 Yes,$2,000 would be my share. So that would be total trip cost to insure, right? Thanks. Do not forget to include your airfare in the calculation. bon voayge Link to comment Share on other sites More sharing options...
Rare Keith1010 Posted March 8, 2018 #5 Share Posted March 8, 2018 Yes. $2,000.00 per person. Keith Link to comment Share on other sites More sharing options...
trvlgtut Posted April 26, 2018 #6 Share Posted April 26, 2018 Is that right though? I am travelling with family members and the invoice list me first with the amount almost double of the other two. We are of course splitting the cost evenly but if I understand it correctly my cost is what is on the invoice . This unfortunately cost me more for ins even though I am not really responsible for the 500 dollars more. I am trying to figure this all out but that is my understanding - fair or not Link to comment Share on other sites More sharing options...
cherylandtk Posted April 27, 2018 #7 Share Posted April 27, 2018 The upshot is you want to cover the amount that you would be liable for in case of cancellation or interruption. So if you are three or four to a cabin, then yes, you do have a different cost to cover as a 1st/2nd Passenger rather than a 3rd/4th. Link to comment Share on other sites More sharing options...
NotThePest_Too Posted April 27, 2018 #8 Share Posted April 27, 2018 You are THE person, the head honcho so the insurance is weighted toward you. Insurance payments do not get split equally, that is the nature of the beast. Link to comment Share on other sites More sharing options...
trvlgtut Posted April 27, 2018 #9 Share Posted April 27, 2018 So how does this work - I can combine ins with the second guest to combine cost of trip to even it out. We do not live together but live in the same state. If I go to IMY or TIS the cost is listed as 'total for both" but on the actual ins website it asks for the individual cost separately. If there is a claim will the ins co look at the invoice an invalidate the claim even though an agent sells it with a combined pass 1 and 2 cost? Link to comment Share on other sites More sharing options...
luvabargain Posted May 5, 2018 #10 Share Posted May 5, 2018 The best thing to do would be to ask the insurance broker directly. I see where they have phone #'s, chats and e-mail available for questions. They will be able to answer your question the best as to how to split up the costs. Link to comment Share on other sites More sharing options...
Rare GeezerCouple Posted May 5, 2018 #11 Share Posted May 5, 2018 The best thing to do would be to ask the insurance broker directly. I see where they have phone #'s, chats and e-mail available for questions. They will be able to answer your question the best as to how to split up the costs. This, absolutely. Call TripInsuranceStore and *ask* them how it should be handled, so that you both have the coverage you need (e.g., if one of you needs to cancel, but not the other, in particular). And they can help you get the best policy for your purposes, from one of their several insurers. GC Link to comment Share on other sites More sharing options...
Suzanne123 Posted May 10, 2018 #12 Share Posted May 10, 2018 (edited) I travel with my sister who lives in a different state. We each purchase our own policy. When I asked this question of my travel insurance about sharing costs, their answer was that my portion of the costs are what is shown on my credit card statement ( that will be required if I submit a claim), not the cruise confirmation. Also, the single supplement is covered if one of us cannot go. ETA - the single supplement inclusion is spelled out on the insurance. I’m not sure all policies have that. Edited May 10, 2018 by Suzanne123 Link to comment Share on other sites More sharing options...
katrina915 Posted May 11, 2018 Author #13 Share Posted May 11, 2018 I travel with my sister who lives in a different state. We each purchase our own policy. When I asked this question of my travel insurance about sharing costs, their answer was that my portion of the costs are what is shown on my credit card statement ( that will be required if I submit a claim), not the cruise confirmation. Also, the single supplement is covered if one of us cannot go. ETA - the single supplement inclusion is spelled out on the insurance. I’m not sure all policies have that. Thanks for the reply. I am past final payment so I already purchased trip insurance. I may have to go through a TA the next time though, since I put everything on my credit card. Good to know what your TA is saying so I can pursue next time. Link to comment Share on other sites More sharing options...
Rare GeezerCouple Posted May 11, 2018 #14 Share Posted May 11, 2018 Thanks for the reply. I am past final payment so I already purchased trip insurance. I may have to go through a TA the next time though, since I put everything on my credit card. Good to know what your TA is saying so I can pursue next time. For "next time", I'd suggest not using your travel agent. Those folks may be dynamite for travel planning, but they are not experts with travel insurance. Worse, some of the policies they (or cruise lines) sell may not cover everything you need, or may only give "credit" back for future travel, rather than cash. Consider at least speaking with an insurance broker (the insurers pay the commission, not the traveler) such as www.TripInsuranceStore.com (There are others, but we prefer them, and the Travel Insured policies we've purchased through them have paid very promptly, with no nonsense. That's what counts...) GC Link to comment Share on other sites More sharing options...
katrina915 Posted May 11, 2018 Author #15 Share Posted May 11, 2018 For "next time", I'd suggest not using your travel agent. Those folks may be dynamite for travel planning, but they are not experts with travel insurance. Worse, some of the policies they (or cruise lines) sell may not cover everything you need, or may only give "credit" back for future travel, rather than cash. Consider at least speaking with an insurance broker (the insurers pay the commission, not the traveler) such as www.TripInsuranceStore.com (There are others, but we prefer them, and the Travel Insured policies we've purchased through them have paid very promptly, with no nonsense. That's what counts...) GC Great advice. Thanks! Link to comment Share on other sites More sharing options...
Suzanne123 Posted May 11, 2018 #16 Share Posted May 11, 2018 I agree with GC. As my circumstances have changed ( getting older, widowed, and now with pre-existing condition) I’ve started getting one of the Travel Insured policies through Steve’s web site ( TripInsuranceStore). Web site is easy to understand, they will run interference for you if needed, and just less hassle all around. ETA- I’ve never used a TA to buy insurance. Link to comment Share on other sites More sharing options...
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