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  #1  
Old July 14th, 2016, 02:11 PM
gardeniamoon gardeniamoon is offline
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Default insurance required for cruise is super expensive!

anybody know where to find insurance for a cruise that doesn't cost 25% of the cruise price?
VTG wants to charge me $3300.00 for my world cruise for Jan with P and O. PandO demands $1,000,000 of emergency evacuation, $250,000 of medical, $15,000 trip interruption, $10,000 trip cancellation. I have spent two full days researching sites and either they only go up to 90 days and this is a 104 day trip or they don't offer the same amounts. I could combine policies but its still going to cost me close to $1800 or more so far? Any ideas?
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Old July 14th, 2016, 03:51 PM
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I've been using CSA travel protection for years, although, my cruises are usually 7 nights at a cost of around $150 for two people. Your cruise is 104 days, so that makes it much more....I'd still check around, but for the length of your cruise, yes, it is expensive, but if something should happen, you could be out a lot more. Also, the medical evacuation is super expensive if you should need that, can cost thousands, so I still think having yourself covered is the way to go.
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Old July 14th, 2016, 06:11 PM
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We have a contract with Allianz and have a policy specifically designed for Cruise Planners that has a $1,000,000 evacuation coverage. We've been selling this for many years and have been very happy with their customer service, which is obviously the most important part of the transaction.

If you'd like more information, I'll be happy to send it to you.

Pete
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Old July 14th, 2016, 10:26 PM
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Default Not all are expensive

For the past 3 years I have been using a Travel agency that offers FREE insurance.
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Old July 15th, 2016, 10:21 AM
Sistersolo Sistersolo is offline
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Default Go with an annual policy

Both CSA and Allianz, and probably some others, offer an annual insurance policy that for some reason is not widely advertised. I travel quite a bit and this not only assures me medical care and evacuation, but also things like overnight accommodation if I miss a flight connection because of weather, and a 24/7 concierge in case I have any problems. For a $2,000 (per trip) limit, no limit on number of trips, it costs about $400. You should check with them if you want the full cost of your trip covered.
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Old July 15th, 2016, 12:19 PM
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How much is the cruise ?
Are you looking at medical alone? Cancellation

What happens if you cannot go ? how much can you afford to lose ?

One lady fell on a recent RTW cruise on day 2 of 180 day cruise she had to be sent home & could not continue the cruise their insurance paid $136000. of the $140000. they paid for the cruise
I sure would not want to eat that amount

We have had to cancel a cruise the day before due to illness we got back the $15,000. we paid ins was about $1000. well worth it to us

Most of the time nothing goes wrong but there are times when the insurance kicks in

insuremytrip.com
theinsurancestore.com
might be able to help you decide what works for you
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Old July 17th, 2016, 02:31 PM
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Its a WORLD CRUISE - geeze, of course it will be expensive, but 25% does seem to be a lot.

I have had good relations with "Insuremytrip.com" - they always give ne the best advice and they carry a lot of different polcies so they can help you to compare.
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Old July 17th, 2016, 09:55 PM
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Try On Call International....you can get a years membership, which believe it or not, might be cheaper then what you've found..worth a shot.
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Old September 2nd, 2016, 10:10 AM
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Quote:
Originally Posted by Paul Motter View Post
Its a WORLD CRUISE - geeze, of course it will be expensive, but 25% does seem to be a lot.

I have had good relations with "Insuremytrip.com" - they always give ne the best advice and they carry a lot of different polcies so they can help you to compare.

I agree with Paul.
We use Insuremytrip because they have many, many plans available from a number of companies. Just tell them your needs and they'll find a plan at a very reasonable cost
Because of my work, we get the "cancel for any reason" plan and it comes out to about 500 dollars for a 6 thousand dollar cruise. I don't include the air fare or hotels because we fly on refundable tickets and I use my points for the hotel...plus a hotel room can be cancelled at no cost.
I have had to cancel before and received all of money back with no hassles at all
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Old September 2nd, 2016, 05:23 PM
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Nothing wrong with insuremytrip, but just be very careful which policy you choose, as they are all different and offer different levels of coverage, as well as what they cover or don't cover. And remember, big name is not always best policy.

We use to sell insurance through 5 different companies, 3 of which were some of the biggest names in the industry. We fired three of them, because of their terrible customer service. Not companies we want to do business with, no matter how good their policy may be. As is usually the case, it's not so much about the product a company sells, but the quality of service that defines a company. And, quite frankly, there are some companies on insuremytrip that I would definitely advise people to stay away from, no matter what they're selling or the price they're charging. So buyer beware.

This is why I always suggest working with your agent, because they will certain companies they work with that they trust to provide a good product, for a reasonable price, with good service. That way, you're not on your own if problems arise.

Pete
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