CanadianMAG Posted February 18, 2005 #1 Share Posted February 18, 2005 I always get travel insurance from the bank I work at, since I am an employee I get it 50% off. I have noticed there are a lot of "cruiseship" insurances, is there really a difference compared to normal travel insurance. The travel insurance I get has the normal trip delay, lost luggage, illness, emergency fees.... It has emergency air transportation back to my country (canada) from anywhere in the world.. I am almost 95% sure there is no capped dollar amount, and I believe it does need to be life threatening. It also has normal medical services coverage with the local hospitals. Anything I should look out for or make sure my travel insurance I normally purcahse includes. **updated, here are the details...Thanks for your help!!** Comprehensive coverage includes: Unlimited hospital, ambulance and medical expenses in event of an emergency illness or injury. Arranged emergency transportation and evacuation services, private duty nursing expenses, physiotherapy and other professional services The complimentary Travel Services Plan provides:Trip Cancellation Insurance. Trip Interruption and Trip Delay Insurance. $100,000 Common Carrier Accidental Death Benefits. Baggage and Personal Effects Insurance What Is Covered Among other things, this insurance covers: Emergency hospital, ambulance, and medical expenses up to $1 million Private duty nursing expenses Emergency dental expenses Transportation to bedside Emergency air transportation or evacuation Return of deceased Additional hotel and meal expenses Return of vehicle Link to comment Share on other sites More sharing options...
jhannah Posted February 18, 2005 #2 Share Posted February 18, 2005 As long as you're sure it covers you outside North America, it sounds good to me. Link to comment Share on other sites More sharing options...
louiskam Posted February 19, 2005 #3 Share Posted February 19, 2005 I'm a Canadian and prefer to buy the insurance from a Canadian dealer. Yours sound pretty well covered. Is it from Royal Bank? Link to comment Share on other sites More sharing options...
CanadianMAG Posted February 19, 2005 Author #4 Share Posted February 19, 2005 Ok good.. didnt know if there was a difference for a cruise. Actually the insurance is with Bank of Montreal. Thanks for your help Link to comment Share on other sites More sharing options...
louiskam Posted February 19, 2005 #5 Share Posted February 19, 2005 If you really want to compare yours with other Canadian quotes, try http://www.insuremytrip.ca too. Link to comment Share on other sites More sharing options...
Cruiseoften Posted February 19, 2005 #6 Share Posted February 19, 2005 * CanadianMAG - a question - for what reasons can you cancel? e.g. you slip in the bathtub and break your arm the morning of departure; an 'in-law' dies; your home is broken into the night before you are due to sail - are such things covered?????...........things we never expect to happen. Personally I'd never buy a cruise lines insurance - it's American designed (no offense intended) and will not necessarily cover things Canadian. We swear by the Royal Bank/Voyageur Insurance coverage. Why not pick up a leaflet on that and compare with your BoM. A 50% discount is nice to have but only if it covers necessities. Travel insurance, like household insurance, is something we hope never to use but, when you think of it seriously, it's something we can't afford to travel without. Getting sick away from your own Province, never mind Country could be a very costly mishap. Link to comment Share on other sites More sharing options...
CanadianMAG Posted February 19, 2005 Author #7 Share Posted February 19, 2005 Yes all those senerios are included in the trip cancellation. I read the fine print on the BMO, Royal Bank and other Canadian places and they are all for Canadians.... now I need to look for some insurance in the USA for FH. Link to comment Share on other sites More sharing options...
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