Cruise insurance question

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#1
pensacola, fl
307 Posts
Joined Mar 2007
Haven’t seen answer elsewhere, if I want cruise insurance, do others under my booking need to get it as well?


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#2
Near Baltimore, MD
1,935 Posts
Joined Feb 2004
I have been on a girly girl cruise with a group of lady friends and some of them didn't think they would need (and luckily didn't need) insurance. Some of us bought insurance and some cruise and travel alot and never see the need for it. I do not know about all vendors/companies but if one is saying everyone in a cabin, shop around and find another that will work for you.
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#3
7,998 Posts
Joined Nov 2002
I don't know about cruise line insurance but with 3rd party insurance you don't have to get insurance for everyone on the booking.
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#7
7,998 Posts
Joined Nov 2002
I just did a mock booking and was asked for each individual if they wanted to add cruise vacation protection so yes, even with Carnival's insurance, you can purchase it individually.
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PAST CRUISES:

Carnival Breeze 01/18 "Cupid's VI" group cruise
Carnival Dream 02/17
Royal Caribbean Navigator of the Seas 02/16 "Cupid's V" group cruise
Norwegian Epic 05/16
Carnival Breeze 02/14 CC group cruise "Cupid's IV"
Grand Princess 01/13
Carnival Freedom 02/12 CC group cruise "Cupid's III"
Carnival Spirit 02/10 CC group cruise "Cupid's II"
Carnival Liberty 12/07
Carnival Miracle 03/06
Carnival Pride 03/03
Carnival Holiday 03/87
Carnival Festivale 07/85
#8
Colorado
5,352 Posts
Joined Jun 2001
buy insurance independently, Carnival's insurance is not very comprehensive. Try www.insuremytrip.com you can shop and compare many different policies
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#9
Columbus,Ohio
6,287 Posts
Joined Mar 2011
Originally posted by pinklucky61
Haven’t seen answer elsewhere, if I want cruise insurance, do others under my booking need to get it as well?


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Each passenger has the same option as when booking airfare. You may choose to buy insurance or not from the carrier. As coevan suggested, insuremytrip.com has better choices and lower prices than the cruise lines and airlines offer. When it comes to traveler's insurance, it's better to have it and not need it than to need it and not have it.
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#10
Dearborn Michigan
448 Posts
Joined Mar 2005
Originally posted by pinklucky61
Haven’t seen answer elsewhere, if I want cruise insurance, do others under my booking need to get it as well?


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Booked under people on reservation-ie I get insurance for my husband and I. We usually deal with Travel Guard-very easy to do on line or call. Most folks don't know that Medicare is not honored outside of the US so have to have the insurance for hubby-I still have a year and a bit. Of the 30 cruises we have done have only had to use it twice-but glad we had it. We usually get the gold plan. Happy shopping
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#12
Carolina Coast
3,805 Posts
Joined Jul 2011
Also, both persons can opt for different levels of coverage. We always include "cancel for any reason".
My DH has some health challenges - he gets high pre-existing condition medical coverage and high evacuation coverage - we've not had to use it but it's comforting to know we're covered. For me, on the other hand, health is pretty good so we go for a lower coverage.
The cost for me is about 1/3 of what we pay for him.
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#13
Colorado
5,352 Posts
Joined Jun 2001
" Most folks don't know that Medicare is not honored outside of the US"




This is not necessarily true. The core Medicare A & B might not but the supplements definitely cover foreign travel.
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#14
Smithville, Texas
698 Posts
Joined Mar 2010
Originally posted by pinklucky61
Haven’t seen answer elsewhere, if I want cruise insurance, do others under my booking need to get it as well?


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When I buy travel insurance they ask me to list the people this will cover - it's always just me and my husband. I don't know how it would work if you had children with you. As far as other adults, I think it is each individual's responsibility to get coverage. I wouldn't cruise without it.
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