CVL105 Posted September 15, 2006 #1 Share Posted September 15, 2006 First of all, does anyone know approximately how much the insurance costs? Second, do you think it's worth getting? What exactly does it cover? Thanks! Link to comment Share on other sites More sharing options...
caribbean dreams Posted September 15, 2006 #2 Share Posted September 15, 2006 Travel insurance is always worth it because you never know what could happen, I can't remember the exact cost Carnival wanted for their insurance but i get our travel insurance from a different company that is cheaper, $250 for 5pp includes airline, lost luggage, trip delay ect...basically everything carnival offered. I would buy it but would shop around first. Link to comment Share on other sites More sharing options...
jandkfarms Posted September 15, 2006 #3 Share Posted September 15, 2006 I do think that travel insurance is worth it. I'm not sure about other travel companies but I feel fine about paying for it through Carnival. It's kind of like buying the shore excursions through someone else-it may be cheaper but if you have a problem you are on your own. I know that Carnival doesn't acutally own the insurance company that they use but I have heard that they are good about helping you if you have a problem. Link to comment Share on other sites More sharing options...
Lisichka Posted September 15, 2006 #4 Share Posted September 15, 2006 You can get insurance way cheaper through an independent agency. Check HERE and HERE Link to comment Share on other sites More sharing options...
hdawson Posted September 15, 2006 #5 Share Posted September 15, 2006 Always use third party insurance companys such as found at http://www.insuremytrip.com. That way you can cover your air and hotels if needed. CSA and Travel Guard are very good. Link to comment Share on other sites More sharing options...
CruiseFever Posted September 15, 2006 #6 Share Posted September 15, 2006 Be careful too, there was a link someplace here about one company that is apparently under investigation. Really cheap insurance but they don't pay claims. I agree with the above on TravelGuard; good company, quick to pay if needed. Link to comment Share on other sites More sharing options...
VentureMan_2000 Posted September 15, 2006 #7 Share Posted September 15, 2006 One philosophy regarding the purchase of travel insurance is that you should purchase it through a company that is not affiliated with the companies you are trying to insure against... as if any of those companies goes under... so does your insurance. It's the old, don't keep all your eggs in one basket theory... That being said... don'y purchase travel insurance from Carnival if you are trying to insure your Carnival trip. Link to comment Share on other sites More sharing options...
AppleValleyCruisers Posted September 15, 2006 #8 Share Posted September 15, 2006 One philosophy regarding the purchase of travel insurance is that you should purchase it through a company that is not affiliated with the companies you are trying to insure against... as if any of those companies goes under... so does your insurance. It's the old, don't keep all your eggs in one basket theory... That being said... don'y purchase travel insurance from Carnival if you are trying to insure your Carnival trip. Agree 100%, with both philosophy and the logic. Also completely agree that you can get much more comprehensive coverage for less cost from an independent. Link to comment Share on other sites More sharing options...
tankersbabe Posted September 15, 2006 #9 Share Posted September 15, 2006 I definitely think it is worth it. It covers medical costs for out of country (most insurance companies here in the US will not cover you if you are out of country). Being medically evacuated from a cruise ship can run you $25,000 easily. Trip interruption for immediate family illness, death, etc. If you should have to fly home from a port for those reasons, you are covered. Job interruption (layoff, etc...no fault of your own) Weather delays, etc are covered. Unless you have a lot of spare money to throw down a hole, I would go with the travel insurance. I'll gladly pay that little fee in comparison to the HUGE bills I could get without it. Link to comment Share on other sites More sharing options...
Bunkie103 Posted September 15, 2006 #10 Share Posted September 15, 2006 I once had a patient who had to be flown home from one of the islands so she could have a rod put in her femur after a motorbike accident. They couldn't do it on the island because they had to wait for shipment of the medical equipment!:eek: They removed 3 seats on a scheduled airliner and she paid for 3 seats so the stretcher would fit.....$$$$ ca-ching. As a result I ALWAYS purchase insurance which covers air evacuation for medical emergencies! When you go to www.insuremytrip.com you can compare policies and pick what YOU need! Link to comment Share on other sites More sharing options...
CVL105 Posted September 15, 2006 Author #11 Share Posted September 15, 2006 thank you all for your comments and suggestions... I've gone to travelguard to check out their prices and they have different options. Any suggestions as to what the best option is? Obviously the more expensive the better the coverage, but I'm not sure how to read the rest. All we really need to insurance to cover if our flight gets cancelled or delayed (we're leaving in december) and we need to catch up to the boat in another port. Link to comment Share on other sites More sharing options...
C-U-ONBOARD Posted September 15, 2006 #12 Share Posted September 15, 2006 If a cruise's destinations change (example the Pride out of CA goes to Canada as opposed to Mexico), is that covered by travel insurance? Link to comment Share on other sites More sharing options...
baseball16 Posted September 15, 2006 #13 Share Posted September 15, 2006 Always buy insurance in case your trip does not transpire as planned, if someone in your party gets sick or hurt before you go and also during if you need medical assistance or to be flown back home from out of the country. We are booked for Carnival Triumph in May 2007 and the insurance through Carnival is 139 per person Have fun Link to comment Share on other sites More sharing options...
tankersbabe Posted September 15, 2006 #14 Share Posted September 15, 2006 thank you all for your comments and suggestions... I've gone to travelguard to check out their prices and they have different options. Any suggestions as to what the best option is? Obviously the more expensive the better the coverage, but I'm not sure how to read the rest. All we really need to insurance to cover if our flight gets cancelled or delayed (we're leaving in december) and we need to catch up to the boat in another port. Don't forget the medical aspect...seriously...that is one I DON'T want to ever have to pay out of pocket. We use TravelGuard everytime...our package covers cruise loss, trip delay, medical. We paid $80 for both of us on our trip on the Glory....it all depends on how much you paid for your trip...that's how they figure your premium. Link to comment Share on other sites More sharing options...
looolooo Posted September 21, 2006 #15 Share Posted September 21, 2006 HHHMMMMM......I didn't realize you could shop for insurance. We have always chosen a company through AAA, but NOT the cruise line's. I believe we must be way over-paying from what I've just read. Do you all feel Insuremytrip and TravleGuard are about the best? Link to comment Share on other sites More sharing options...
CruiseFever Posted September 21, 2006 #16 Share Posted September 21, 2006 HHHMMMMM......I didn't realize you could shop for insurance. We have always chosen a company through AAA, but NOT the cruise line's. I believe we must be way over-paying from what I've just read. Do you all feel Insuremytrip and TravleGuard are about the best? Insuremytrip.com is a comparison/quote site where you can see, side by side, what different companies cover and how much they cost. One of the most important parts of this or any insurance is how they pay and what you have to do to file a claim. Not many of them want to talk about that part. Some for good reason:they are terribly slow and make you jump through hoops. I think Insuremytrip.com is a great place to start but I'd do further research too. Punch in the company name on google and see what comes up. If there is a consumer problem you won't have to look far to find documentation about it. Just for fun try this: Google, "Trip Assured travel insurance" I have had nothing but good, reasonably quick, results with Travelguard. They DO require adequate documentation to support your claim to pay it though. One piece of documentation that clogs up the whole process is the signature of a doctor on a medical form proving you were treated if it is a medical claim. This is a pretty much universal requirement of insurance companies, not just Travel Guard. They will want original receipts, want to know if you primary health care provider paid on the claim, if the cruise line paid anything on the claim, etc. After all those have paid, then the travel insurance picks up the slack and pays the difference on covered claims. That is important stuff to know before you begin your trip. Your Travel Agent can provide more information about such matters prior to you leaving home. Another great source of information is what you are doing right now. CC members won't tell you wrong. Get enough of us to agree on something and it's a pretty safe bet. Link to comment Share on other sites More sharing options...
mjt2890 Posted September 21, 2006 #17 Share Posted September 21, 2006 I recommend insuremytrip.com as you can compare a lot of different companies and policies at once. Here is a good article on them I found online. When should you purchase travel insurance? Purchase the insurance within 7 to 21 days (varies by company and plan) of making your initial trip payment. If the insurance is purchased within the 7 - 21 day period you receive two enhancements (varies by company and plan) to the policy. Protection against the financial default of a tour operator, airline or cruise line. (depends on company) Pre-existing medical condition exclusion is usually waived (again, depends on company and plan). I've had to file a claim with Travel Guard and while it is a giant pain in the butt saving receipts and complying with the terms, I did receive a check in 2 weeks. They are the only ones I know off that offer change of mind coverage, which reimburses you up to $250 when you are charged a penalty for canceling your trip simply because you change your mind. Link to comment Share on other sites More sharing options...
hdawson Posted September 21, 2006 #18 Share Posted September 21, 2006 Insuremytrip.com is a travel insurance broker or agency. They have provided lots of help with answers right here on CC. I have appreciated their efforts. I had a claim with CSA and received my full check in eight days after sending in the documentation. Very impressed. Link to comment Share on other sites More sharing options...
BND Posted September 22, 2006 #19 Share Posted September 22, 2006 If a cruise's destinations change (example the Pride out of CA goes to Canada as opposed to Mexico), is that covered by travel insurance? Never heard of that big of a change of an itinerary, but I don't think that's covered. If you read Carnival's policies, etc they do state they have the option to change ports of call. They can't guarantee ports since variables out of their control can affect it. Insurance usually covers what prevents you from traveling or interrupts your trip such as illness. Link to comment Share on other sites More sharing options...
sa7776 Posted September 22, 2006 #20 Share Posted September 22, 2006 Both my husband and I had to use our travel insurance when we were on the Sensation. He was sick and I fell in Costa Maya. We had insurance through Carnival. All I had to do was send a copy of the bills (both from the ship, the hospital in Cozumel they sent DH to and the followups here in the states) along with the Explanation of Benefits from my regular provider. The insurance paid everything my provider didn't. Since my provider didn't cover anything on the boat or in Mexico, it was quite a hefty bill. No hassles at all. I never have sailed without the insurance and now I never will. Link to comment Share on other sites More sharing options...
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