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NCL Insurance or third party travelers insurance


andychris
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5 minutes ago, andychris said:

Has anyone purchased yearly travel insurance if they cruise or travel multiple times a year?  
trying to see if it is a better value to buy yearly travel insurance. 
thank you!

Yes - I get an annual plan from Nationwide. It not only covers cruising - it covers all travel.

 

I paid $229 this year. Below is the coverage (note that I only take $2,500 trip cancellation because all of my cruises are casino comps and even if I upgrade I have never paid more than $2,500.)

 

On top of this, for some reason I always take the NCL Essentials (runs from $25 to $49 pp.) I don't think I need it but it's so cheap I just say "why not."

 

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16 hours ago, drew69 said:

We do an annual policy from Allianz.  Covers all trips - we take several international trips per year and is a much better value than cruise lines insurance and more comprehensive

Allianz offer so many choices, which one did you choose for the year?

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On 8/27/2023 at 2:20 PM, andychris said:

Has anyone purchased yearly travel insurance if they cruise or travel multiple times a year?  
trying to see if it is a better value to buy yearly travel insurance. 
thank you!

I don't believe annual comprehensive travel insurance plans work well for many people because of their limitations.  But if all or most of the limitations do not affect your personal situation, they can be a good deal.  Things to consider:

  • How does your existing medical insurance cover you outside of the US?  If it doesn't, I would be concerned about an annual plan.  If you have good coverage or even coverage with high out of network deductibles or co-pays, some annual plans could work.
  • How expensive are your cruise trips (non-refundable coats) and how important is having full coverage for cancelation and interruption. One of the Allianz plans offers $15K cancelation per year.  All of the other plans I have seen are $10K or less.  These amounts are usually per policy, not per person.
  • Do you have any pre-existing conditions as defined by the policy?  The Allianz plans offer a waiver if you meet their requirements.  Most other plans I have seen do not.

 

By the way none of the travel insurance brokers frequently mentioned in this forum sell annual comprehensive travel insurance plans.  So you probably need to deal directly with the insurance company.  If you decide to purchase an annual plan, be sure to read the entire policy, not just the high level summaries on the web pages. Each policy is different, but all of them have holes.  You just need to know what they are before you purchase.

 

Here is some more thoughts I posted previously. 

 

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