cranethie Posted October 13, 2016 #1 Share Posted October 13, 2016 (edited) Most cruises ( apart from world) are in 'regions'. Our next cruise in April is Sydney - Honolulu via Pacific Islands. As this is just a quick 'rest relax enjoy being aboard cruise' we will be staying overnight in Honolulu and then flying home the next day. There are differing thoughts in our household as to which region we need insurance for. The Pacific or Worldwide (because we are actually on land - USA - for 24 hrs and one just never knows) I'm not questioning the need for travel insurance just the region. Any thoughts would be appreciated. Edited October 13, 2016 by cranethie Link to comment Share on other sites More sharing options...
GUT2407 Posted October 13, 2016 #2 Share Posted October 13, 2016 Ask the insurer. Link to comment Share on other sites More sharing options...
Bodogbodog Posted October 13, 2016 #3 Share Posted October 13, 2016 You are in the US - how much clearer can it be Sure check with the insurer but I'll be stunned if you don't get the obvious answer Link to comment Share on other sites More sharing options...
The_Big_M Posted October 13, 2016 #4 Share Posted October 13, 2016 As bodog said, you'd need coverage for the US. You need coverage for the most expensive region you travel through on your trip. The reason is just to ensure you have sufficient coverage. If you have an accident in the US (Hawaii - or even onboard ship a day or few out and helivaced back), you need to be able to cover the costs there. Given medical costs in the US are substantial, if you only chose south pacific cover and something serious happened you may find yourself underinsured and still with a debt owing at the end - which defeats the point of getting insurance. It'd be the same even if not cruising but just e.g. stopping over in the US to somewhere else. If there is a risk of medical accident there you need to have enough coverage to cover you if something goes wrong there - or where they are the closest territory, i.e. where you would be transported to. Link to comment Share on other sites More sharing options...
Rare MicCanberra Posted October 13, 2016 #5 Share Posted October 13, 2016 Definitely require the region/country to be the US, this will make it more expensive, but with their medical system it is still worth it. Link to comment Share on other sites More sharing options...
cranethie Posted October 13, 2016 Author #6 Share Posted October 13, 2016 Thank you - aware of the pitfalls of the US medical system having been there countless times. Just wanted to 'prove' to another person I did know what I was talking about :) Link to comment Share on other sites More sharing options...
Pushka Posted October 14, 2016 #7 Share Posted October 14, 2016 (edited) Must be worldwide as US has the most expensive medical system. Once the ship berths there, even if just as a port, you are in the US. Edited October 14, 2016 by Pushka Link to comment Share on other sites More sharing options...
Rare gogo65 Posted October 15, 2016 #8 Share Posted October 15, 2016 Some insurance companies will exclude the additional premium for the USA if you are there for less than 24 hours (or a specified time) when you look at the regions they will be specific Link to comment Share on other sites More sharing options...
Rare gogo65 Posted October 15, 2016 #9 Share Posted October 15, 2016 Look at Insure and go Link to comment Share on other sites More sharing options...
YvonneM1967 Posted October 20, 2016 #10 Share Posted October 20, 2016 I'm doing the same cruise in October 2017 from Honolulu to Sydney - my insurer has already quoted me and told me I need worldwide cover which would include airlifting me from the middle of anywhere back to Sydney - quote for my husband and myself was about $320 - we are spending 7 days in Hawaii prior to the cruise. Sent from my iPhone using Forums Link to comment Share on other sites More sharing options...
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