Confusion over Casino Royale travel protection costs

[RoperDK]

I have several casino cruises booked.  Some free, some with upgrade fees, some with cash off.  The charge for the travel protection is all over the place.  The coverage varies from $29 for an inside cabin upgraded to a grand suite that cost me $3000.  Today, I added travel protection for a free inside and it was $109. 😯 Can someone shed some light on this for me?  I searched the travel insurance and casino forums and found nothing.  Whenever I question the casino royale reps (after waiting for a loooong time on hold), I get some vague, hesitant answer about different ships, and itineraries.  The $29 grand suite coverage is on the same ship and itinerary as the $109 inside.  The only difference is the date.  What gives?  Thanks for the help!     

[rudeney]

So this is RCI's insurance?  It sounds like the same people who program the Cruise Planner prices do the insurance.  You might want to buy your own policy from a 3rd party travel insurance specialist.  You won't be able to insure the "equivalent" cruise fare when you are getting it for free or discounted, but you can get all the other benefits of insurance, like the medical coverage, etc.

[RoperDK]

2 minutes ago, rudeney said:

So this is RCI's insurance?  You might want to buy your own policy from a 3rd party travel insurance specialist.  You won't be able to insure the "equivalent" cruise fare when you are getting it for free or discounted, but you can get all the other benefits of insurance, like the medical coverage, etc.

Yes, it is the standard RCCL policy (or so I've been told).  I feel 3rd party insurance coverage will be costlier, as we are older.  Also, if you cancel before final payment, RCCL insurance is refundable, 3rd party is not. Cruise with confidence cruises are easy, things are more complicated now that things are returning to normal. 

[RJ257]

I have the same $29 plan for am 8 day casino cruise in a balcony. My upgrade was about $600. Just google RCCL vacation protection plan. Its ok (for me). Check it out and if you want more coverage for medical stuff or medical evacuation then explore an additional policy.