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Did you find any options for Valdez. My group is considering a bus tour with this group https://www.valdezkeystonetours.com/ . There isn’t a lot of info available about them but the few reviews I have found are positive. It seems to cover a lot of things for a reasonable ( compared to ship options) price.

Thanks for the advice. There were so many points to consider (and unknown potential travel issues). In the end I dropped the NCL coverage and went with Allianz to cover the entire trip. We are more likely to have issues getting to/ from the cruise compared to the cruise itself. I can't think of anything other than a covered reason that would make us cancel the cruise at the last minute.

Right. My flights were paid using a credit I had. The rest of the family’s flights were new purchases. Flying is a nightmare most of the time and I just want to protect us as best I can. I had to file a complaint with DOT to get a refund last year. AA was refusing to refund a flight I cancelled (I had clearly booked a refundable fare… it was unbelievable. I even confirmed with customer service before I cancelled). The entire experience made me want to cover and cover again all my bases. 🙂 We have high credit limits so paying upfront for anything not filed directly with BCBS is ok. From what I read about the pre existing conditions it applies to the 120 days prior to the plan’s purchase. Other than some urgent care type (cold/ flu stuff) we haven’t had any tests or procedures so it shouldn’t be an issue. everything I read seems to indicate that 3rd party insurance is generally cheaper with better coverage. I am probably overthinking the entire thing.

Thanks! To clarify a few things If I book the Allianz plan I would no longer have the flight policy (which I didn't expect much from anyway). The Allianz plan I would book would replace the airline policy and the NCL policy to cover my entire trip (flights, hotel, cruise, etc.). We'll be in Alaska most of the trip (other than a few days in Vancouver). My insurance (BCBS with out of network option) will likely cover anything that would happen in AK. I also can't think of a single pre-existing condition. We don't really take medications or have any health issues that would impact our ability to travel. I guess it's possible we could be diagnosed with something between now and the trip. I'm mostly worried about something like Covid preventing us from going but it looks like Allianz has epidemic coverage. The NCL "Cancel for any reason" is what gives me pause but as long as the Allianz plan would reimburse for anything NCL doesn't cover (because I won't have coverage with NCL) I think I am ok (aren't I)? That's really my question. Does the Allianz policy cover me? I see that NCL will issue a credit for 75%. I would rather have 100% of my $ refunded and I think that is what I would get from Allianz.

Anyone? I need to move forward with this decision and I would appreciate any advice that can be provided.

We have a cruise planned and I want to make sure we are covered as far as insurance. For several years we declined insurance coverage and (thankfully) had no issues. My medical coverage has decent international benefits and we are generally healthy. After a flight delay almost made us miss a cruise last year we have reconsidered our need for it. We have a fairly complicated itinerary compared to most of our previous trips which were closed loop and usually involved us driving to/ from the port. Our upcoming cruise involves 3 flight connections to get to the departure port, 2 nights pre-cruise hotel, the cruise itself, land travel to departure airport, 2 nights hotel there, and finally 3 connections for flights to get home. I originally booked separate insurance through the airlines for the flights. It was through Allianz. I added the standard NCL coverage to the cruise booking. After considering the total cost of this trip I wondered if it might be best to book a separate policy that would cover the entire trip. I'm way past my date to cancel the flight insurance but Allianz said if I booked another policy through them that they would refund (and cancel) the flight policy. For that reason I'm focused on Allianz since I would otherwise be past the date to cancel and I don't want to lose $. If I cancel the standard coverage from NCL https://affinitytravelcert.com/document/pdfs/NCL_Standard_Generic_COI_7_21.pdf and book the One Trip Prime option from Allianz https://www.allianztravelinsurance.com/find-a-plan/onetrip-prime.htm I could save a couple hundred $. I looked at the annual plans but (for this year) it doesn't make sense for us. There are times when an annual plan might work but for various reasons we likely won't have much non work related travel . Is this a good plan? Should I keep both policies? I really like the potential to save $ with the Allianz policy but not if it's going to put us at risk if we have to cancel. Will there be any issues with NCL if I miss the cruise and have coverage under the Allianz policy?