Insurance question

[jonj]

We normally do not purchase insurance through the cruise line. However, for our 2017 cruise we have Choice Air and the insurance through RCCL is less (by $250) than other insurance companies I have priced. Not sure if it is because we are older or what is causing this. I wanted to get some opinions If whether we should still go with someone like Travel Guard or Allianz instead of the cruise line.

 

It is a Baltic cruise in case that matters

 

Thank you for your help

 

 

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Edited August 15, 2016 by jonj

[Clarea]

The lower premium could very well be due to age as Royal's premium is not age-based.

 

The one thing that causes me to look elsewhere for travel insurance is that I'm not comfortable with Royal's limit on emergency evacuation.

[jonj]

Thanks Bob, I see it is up to 25k through Royal and 50 or 100k though others

 

 

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[39august]

I agree with Bob. $25,000 wouldn't go far when you are that far from home.

[jonj]

That is for medical evacuation

 

 

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[Clarea]

That is for medical evacuation

Correct, and that's very important to me. If I have a medical emergency, I want to be able to choose (within reason) the hospital that works on me.

[jonj]

Has anyone heard of Assistance USA? They are pricing the best on Insuremytrip.com but haven't heard of them.

 

 

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Edited August 15, 2016 by jonj

[easyboy]

We normally do not purchase insurance through the cruise line. However, for our 2017 cruise we have Choice Air and the insurance through RCCL is less (by $250) than other insurance companies I have priced. Not sure if it is because we are older or what is causing this. I wanted to get some opinions If whether we should still go with someone like Travel Guard or Allianz instead of the cruise line.

 

It is a Baltic cruise in case that matters

 

Thank you for your help

We prefer a third-party for trip insurance for expanded coverage (aside for medical purpose) and higher limits.

It complements our MedjetAssist coverage.