SailorMan20 Posted July 2, 2019 #1 Share Posted July 2, 2019 Hello. Of these 3 insurance companies which one would You choose and why. Allianz vs AIG Vs Nationwide? What do You want in a Insurance Policy? I'm looking at policies for all 3 options as I look to choose one for My cruise next December. Advice would be greatly appreciated. Thank You. Link to comment Share on other sites More sharing options...
klfrodo Posted July 2, 2019 #2 Share Posted July 2, 2019 What I want may be completely different than what you want. However, since you asked. These are things I look for and note that I will also take into consideration whether my trip is just a Caribbean cruise as compared to a European cruise. With that said 1. I want my medical to be Primary. Should I have a claim I don't want to have to deal with multiple entities. 2. I want realistic medical limits. Not low limits just to keep my purchase costs down. 3. I want a low Trip Delay time limit. A minimum 12 hour delay helps nobody in my opinion. I look for 4 hour. Cancel For Any Reason does not appeal to me. For a lower cost Caribbean cruise, I may not even get Comprehensive coverage. I will self insure against cancellation and such but will still say the Trip Costs is $500 per person so I can receive the medical coverage's. 1 Link to comment Share on other sites More sharing options...
SailorMan20 Posted July 2, 2019 Author #3 Share Posted July 2, 2019 32 minutes ago, klfrodo said: What I want may be completely different than what you want. However, since you asked. These are things I look for and note that I will also take into consideration whether my trip is just a Caribbean cruise as compared to a European cruise. With that said 1. I want my medical to be Primary. Should I have a claim I don't want to have to deal with multiple entities. 2. I want realistic medical limits. Not low limits just to keep my purchase costs down. 3. I want a low Trip Delay time limit. A minimum 12 hour delay helps nobody in my opinion. I look for 4 hour. Cancel For Any Reason does not appeal to me. For a lower cost Caribbean cruise, I may not even get Comprehensive coverage. I will self insure against cancellation and such but will still say the Trip Costs is $500 per person so I can receive the medical coverage's. My cruise is a 7 day western caribbean cruise. Link to comment Share on other sites More sharing options...
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