Emma Girl Posted October 7, 2017 #1 Share Posted October 7, 2017 My husband and I are going on a Carnival Cruise to the Caribbean/Bahamas for 6 days in Jan/2018. My Question is do you recommend buying insurance from Carnival. Thank You Link to comment Share on other sites More sharing options...
Rare Essiesmom Posted October 7, 2017 #2 Share Posted October 7, 2017 Most people feel you can get better insurance from a third party. There is a board here for insurance, under Cruise Discussion Topics. https://boards.cruisecritic.com/forumdisplay.php?f=635 Folks there can advise you. EM Link to comment Share on other sites More sharing options...
easyboy Posted October 7, 2017 #3 Share Posted October 7, 2017 We always get travel insurance from a 3rd party for coverage of our pre- and post-cruise vacation activities and expenses. Sent from my iPhone using Forums Link to comment Share on other sites More sharing options...
Herfnerd Posted October 7, 2017 #4 Share Posted October 7, 2017 Always buy from an independent third party. You don’t want to buy from the same source as your travel - the policy may benefit them more than you Sent from my iPad using Forums Link to comment Share on other sites More sharing options...
Rare Keith1010 Posted October 8, 2017 #5 Share Posted October 8, 2017 I recommend that you consider Carnival Insurance and also consider the many other plans available. For me I often find plans that are more comprehensive then those of the cruise line and at a lower cost. The devil is in the details so I never rule anything in or out until I consider all options. A great source to look at other plans is http://www.insuremytrip.com but there are other sites as well. Keith Link to comment Share on other sites More sharing options...
jlp20 Posted October 11, 2017 #6 Share Posted October 11, 2017 ALWAYS get a policy. You know your needs so spend 20 minutes comparing coverage. Be aware policies have to be purchased within set frame after final payment is made for cruise Link to comment Share on other sites More sharing options...
SpaceCowboy9 Posted October 11, 2017 #7 Share Posted October 11, 2017 The only time I think about insurance is when my 89 yr old mother is traveling with us. But still have not purchased it. I self insure. Link to comment Share on other sites More sharing options...
SRF Posted October 12, 2017 #8 Share Posted October 12, 2017 Shop around. Looks at both price and terms and limits. Depending on age, cruise line insurance may be the cheapest by far. But maybe not as good of coverage as 3rd party. Link to comment Share on other sites More sharing options...
jlp20 Posted October 15, 2017 #9 Share Posted October 15, 2017 The only time I think about insurance is when my 89 yr old mother is traveling with us. Insurance covers a myriad of situations. Classic situation, Mexican cruise and you fall ill. Ship doctor says its appendicitis. Next stop is Mazatlan in the morning. Doctor informs Captain your a health risk and your ordered off the ship. Security unceremoniously escorts you off the ship with all your belongings. It is now up to you to get to doctor/hospital for treatment. By the way, your American medical insurance is no good outside the US. Once your discharged, you have to pay your own way home. 14 planed cruises, had to use insurance once. Hospitalized the day before trip. 100% reimbursed. Link to comment Share on other sites More sharing options...
Shorex Posted October 15, 2017 #10 Share Posted October 15, 2017 Insurance covers a myriad of situations. Classic situation, Mexican cruise and you fall ill. Ship doctor says its appendicitis. Next stop is Mazatlan in the morning. Doctor informs Captain your a health risk and your ordered off the ship. Security unceremoniously escorts you off the ship with all your belongings. It is now up to you to get to doctor/hospital for treatment. By the way, your American medical insurance is no good outside the US. Once your discharged, you have to pay your own way home. 14 planed cruises, had to use insurance once. Hospitalized the day before trip. 100% reimbursed. I would frame the scenario a bit differently. Appendicitis is a life threatening condition that requires major surgery, for which no ship's medical department is equipped. In order to save the patient's life the ship will arrange for an ambulance to meet at the dock and evacuate the patient to a local hospital. If far out to sea, the ship will arrange for a rescue helicopter/air ambulance. It's not as though the patient is unceremoniously tossed off the ship. Some American medical plans cover treatment outside the U.S., others do not. It is the responsibility of the cruiser to know and understand the limitations of his primary medical coverage. Moving on to the medical coverage offered as part of a travel insurance package, it is again the responsibility of the cruiser to know the limitations of coverage and make an informed choice. Of course the total costs of medical care are the responsibility of the cruiser. Of course the cost of returning home or to a preferred hospital are the responsibility of the cruiser. It is wise to have coverage that will reimburse those potentially very high expenses. Link to comment Share on other sites More sharing options...
jessMN74 Posted October 16, 2017 #11 Share Posted October 16, 2017 I just bought our insurance though http://www.insuremytrip.com I loved how I could compare policies and pick the one that works best for my family and I saved $300.00 by not going through our cruise line. Link to comment Share on other sites More sharing options...
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