Annual Travel Insurance?

[tallnthensome]

What does this have to do directly with Royal Caribbean cruise line?

[AlohaLivin]

I think we need more emoticons at CC, there are times I sincerely need one or more of these:

🙄  🤦🏼‍♀️ 😒 💆🏼‍♀️

 

Also is there one for “for real, this is what bothered you on this day???”?

[time4u2go]

13 minutes ago, tallnthensome said:

What does this have to do directly with Royal Caribbean cruise line?

Lol the same thing could be asked of many threads that appear (and remain) on this board!

[whitecap]

Lets see, Royal Caribbean Cruise Line passengers work hard to assist one another for their upcoming Royal Caribbean Cruise Line Cruises...seems like a direct correlation with Royal Caribbean Cruise Line to me! 😃

[katsn1011]

Try insuremytrip.com you can compare plans and any questions call them have used them for many cruises. I just bought Geo Blu, it has some incidentals . I needed better medical,  but did not need for price of cruise as its a casino cruise & only port taxes, I will get them back they have to give them back if you don't go. I also can cancel the insurance up to the day before & get my money back. 

As long as your not in the states where you are not allowed to buy travel insurance.

[Babr]

1 hour ago, cruiselvr04 said:

So the annual travel insurance for medical and evac sounds good but what if I also need cancellation insurance?  Are there separate policies you can buy for the year for that?  

If we have decided that it is OK to continue - 

 

Allianz has a stand alone single trip cancellation policy, but the max is $5,000. The premium, like other policies, is based on age, amount insured, and length of trip. I have not checked to see what restrictions, if any, apply.

 

The point is that it is not necessarily a good value. As I said earlier, many pair annual medical plans with credit card coverage. Even the standard fee-based card will cover $5,000, but there are still some problems with this strategy if you have pre-existing conditions or want CFAR.

 

CFAR may be an add-on for both annual policies and single-trip comprehensive travel policies, but there are no stand-alone policies for this. Even if there were, some states do not allow CFAR because they do not consider them to be insurance in the first place. Such policies are not protecting against a risk rather the choice of the policyholder.

[ridge4]

2 hours ago, cruiselvr04 said:

So the annual travel insurance for medical and evac sounds good but what if I also need cancellation insurance?  Are there separate policies you can buy for the year for that?  

You don’t need a separate policy.  At least some of the vendors sell annual policies with both. I know Travel Insured does, I just chose medical only because I only needed medical. 

[SNJCruisers]

4 hours ago, tallnthensome said:

What does this have to do directly with Royal Caribbean cruise line?

Nothing.  This is the section of cc dealing with cruise/travel insurance.

[Babr]

Allianz offers annual multi-trip plans with cancellation included but at relatively low dollar limits. It includes pre-existing conditions if the plan is purchased within 14 days of initial deposit or at any time during the policy period.
 

Travel Insured and perhaps others offer it as an add-on. It must be included within 21 days of initial trip deposit in order to get the pre-existing conditions waiver. I expect that the additional premium is calculated on the basis of age, amount insured, and length of trip as is other kinds of cancellation insurance, meaning it is not necessarily inexpensive; but it does provide a good safety net if you should find yourself in need of it.

GeoBlue is a medical plan with no cancellation coverage.

[tallnthensome]

7 hours ago, SNJCruisers said:

Nothing.  This is the section of cc dealing with cruise/travel insurance.

AFTER this thread was moved here FROM the Royal Caribbean forum.  

[luckyinpa]

so what is so bad about PA that they wont sell annual or even annual cfar plans at some companies. i had read something years ago about home/car insurance that if a company doesnt write in NY then you dont want it because NY has stringent rules. unsure if that applies with PA now lol

[iamtrustworthy]

On 3/29/2022 at 2:17 PM, RobInMN said:

There's a whole sub-board for Insurance.😉 I don't know if it's sponsored by him or what, but we contacted Steve from TripInsuranceStore and also purchased annual insurance for the first time this year. We have 2 policies, one for medical, and one for trip cancellation. Along with the info in that sub-board, his website has a number of items in the FAQ.

 

https://boards.cruisecritic.com/forum/499-cruisetravel-insurance/

 

Hi RobinMN,

 

> There's a whole sub-board for Insurance.😉 I don't know if it's sponsored by him or what

 

No. I don't sponsor anything anywhere because to me it's not ethical. In my opinion, a sponsorship is really advertising but is disguised as being Altruistic. I do very little advertising but if someone sees my ad it's clearly disclosed as being an ad.

 

CruiseCritic has invited me to do six Questions and Answers in the past five years including the one I started in January 2022. I do them to help people understand travel insurance because it's far more complicated than it appears.

 

Steve Dasseos

[RobInMN]

8 hours ago, iamtrustworthy said:

No. I don't sponsor anything anywhere because to me it's not ethical. In my opinion, a sponsorship is really advertising but is disguised as being Altruistic. I do very little advertising but if someone sees my ad it's clearly disclosed as being an ad.

Thanks for clarifying! Hope I didn't offend you. I did say that I had no idea, you are just very prominent there😀.

 

In addition to what I said previously about contacting you and purchasing 2 annual policies, I would add that I was initially pointed your way (and the sub-forum) via other threads asking about insurance, and I think everyone has had positive things to say.

 

[iamtrustworthy]

3 hours ago, RobInMN said:

Thanks for clarifying! Hope I didn't offend you. I did say that I had no idea, you are just very prominent there😀.

 

In addition to what I said previously about contacting you and purchasing 2 annual policies, I would add that I was initially pointed your way (and the sub-forum) via other threads asking about insurance, and I think everyone has had positive things to say.

 

Hi RobinMN,

 

No offense taken.

 

I'm happy you brought it up because others probably wondered about it and I wanted to address it.

 

Thanks again,

 

Steve Dasseos

 

 

[PATRLR]

On 3/29/2022 at 3:17 PM, RobInMN said:

There's a whole sub-board for Insurance.😉 I don't know if it's sponsored by him or what, but we contacted Steve from TripInsuranceStore and also purchased annual insurance for the first time this year. We have 2 policies, one for medical, and one for trip cancellation. Along with the info in that sub-board, his website has a number of items in the FAQ.

Steve has posted that he hasn't found an annual policy that he would trust or recommend.  I haven't talked to him but talked to other brokers who say similar things.   Did you buy your annual plans from Steve/TripInsuranceStore?  Which annual plan did you buy?

[RobInMN]

12 hours ago, PATRLR said:

Steve has posted that he hasn't found an annual policy that he would trust or recommend.  I haven't talked to him but talked to other brokers who say similar things.   Did you buy your annual plans from Steve/TripInsuranceStore?  Which annual plan did you buy?

Yes, I did purchase through Steve/TripInsuranceStore. I purchased GeoBlue for medical and Trawick for cancellation/delays.

[donaldsc]

On 3/29/2022 at 10:16 AM, Spanish Wells said:

How does annual travel insurance work

 

Exactly what the name implies.  You are covered for any and all travel for 365 days from the date of issue up to the total level of the insurance you purchase.  I always buy it and it has worked for me.  Just read the details of the policy before you buy.

 

DON

Edited May 15, 2022 by donaldsc

[WYB!]

Are there any available options for an annual travel insurance policy for people that live in NY?

 

- WYB

[Jersey42]

17 hours ago, WYB! said:

Are there any available options for an annual travel insurance policy for people that live in NY?

I believe all of the Allianz plans and the Travel Guard plan is available in NY, although some of the terms and conditions may be different for NY residents. Most annual plans exclude NY and WA residents.  Some have other state exclusions as well. 

 

That said, I always caution people about the annual comprehensive travel insurance policies.  Be sure to read the policy details. Unless you already have good medical insurance that covers you outside of the USA pay particular attention to:

• Maximum annual and maximum per trip medical coverage
• Pre existing condition coverage.  Definition, lookback period and waivers.  Also, what coverages (medical, cancelation interruption etc.) have pre-existing condition exclusions.
• Primary or secondary medical coverage.

 

There are holes in all of the annual policies.  Unless none of the critical holes affect you, be aware of the risks.  The one annual plan I like is GeoBlue Trekker.  It is primarily medical and medical evacuation with no trip cancelation/interruption coverage.  But it is excellent for what it covers.  Unfortunately, as you probably know, it is not available in NY.