Insurances on World Cruise when over 65.

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#1
Florida
21,141 Posts
Joined Nov 2008
How do you handle Insurance on a World Cruise when you are 65 plus.
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We've been on
Carnival: 27 voyages 184 days
Celebrity: 3 voyages 24 days
Holland: 31 voyages 823 days
Norwegian: 2 voyages 16 days
Princess: 16 voyages 154 days
Royal Carib: 5 voyages 35 days
Vantage:River 2 voyages 39 days
GRAND TOTAL: 86 Cruises 1280 days

NOT YET SAILED
Rotterdam Boston to Rotter 7/18 - 19 days
Prinsendam Amster to FTL 8/18 96 days
Zaandam Antarctic 12/18 - 22 days
Amsterdam World Cruise 1/19 113 days
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Koningsdam 10/19 37 days
Amsterdam World Cruise 1/20 128 days
#2
In the kamloops in the dry and hottest part of BC
12,722 Posts
Joined Aug 2006
If I was on Princess I would theirs. The rate doesn't increase with age like many other insurance companies.
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Princess 23 cruises
RCI 2 cruises
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Future
Princess 3 cruises 2018 , 2019(x5)
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#3
Michigan
1,713 Posts
Joined Sep 2005
Viking's was VERY reasonable but you only get credit toward other cruises not your money back!!!
#4
Florida
21,141 Posts
Joined Nov 2008
Holland American insurance is very expensive.
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We've been on
Carnival: 27 voyages 184 days
Celebrity: 3 voyages 24 days
Holland: 31 voyages 823 days
Norwegian: 2 voyages 16 days
Princess: 16 voyages 154 days
Royal Carib: 5 voyages 35 days
Vantage:River 2 voyages 39 days
GRAND TOTAL: 86 Cruises 1280 days

NOT YET SAILED
Rotterdam Boston to Rotter 7/18 - 19 days
Prinsendam Amster to FTL 8/18 96 days
Zaandam Antarctic 12/18 - 22 days
Amsterdam World Cruise 1/19 113 days
Nieuw Statadam 8/19 52 days
Koningsdam 10/19 37 days
Amsterdam World Cruise 1/20 128 days
#5
Virginia
23,994 Posts
Joined Aug 2011
Originally posted by we're sailing away....
Holland American insurance is very expensive.
And the medical coverage is very low - it might cover one day in a hospital.

I found a good policy on insuremytrip.com - it has $150,000 medical and a $1,000,000 emergency medical evacuation (which are the two areas I am most concerned with).
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Fall Foliage Cruise -http://fallfoliagecruise2015.blogspot.com/
South Pacific/North to Alaska - http://halcruises2016.blogspot.com/
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Constellation - Baltic Sea - 2005
Disney Fantasy - Caribbean - 2012
Queen Elizabeth - World Voyage 2014
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#7
Florida
21,141 Posts
Joined Nov 2008
Originally posted by Scrapnana
And the medical coverage is very low - it might cover one day in a hospital.

I found a good policy on insuremytrip.com - it has $150,000 medical and a $1,000,000 emergency medical evacuation (which are the two areas I am most concerned with).
How much was the policy
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We've been on
Carnival: 27 voyages 184 days
Celebrity: 3 voyages 24 days
Holland: 31 voyages 823 days
Norwegian: 2 voyages 16 days
Princess: 16 voyages 154 days
Royal Carib: 5 voyages 35 days
Vantage:River 2 voyages 39 days
GRAND TOTAL: 86 Cruises 1280 days

NOT YET SAILED
Rotterdam Boston to Rotter 7/18 - 19 days
Prinsendam Amster to FTL 8/18 96 days
Zaandam Antarctic 12/18 - 22 days
Amsterdam World Cruise 1/19 113 days
Nieuw Statadam 8/19 52 days
Koningsdam 10/19 37 days
Amsterdam World Cruise 1/20 128 days
#9
Florida
21,141 Posts
Joined Nov 2008
Originally posted by easyboy
Should include medical evacuation


Sent from my iPhone using Forums
We buy a Med Jet policy every 3 years but it is only good for the first 90 days of a trip ( max of 90 days)
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We've been on
Carnival: 27 voyages 184 days
Celebrity: 3 voyages 24 days
Holland: 31 voyages 823 days
Norwegian: 2 voyages 16 days
Princess: 16 voyages 154 days
Royal Carib: 5 voyages 35 days
Vantage:River 2 voyages 39 days
GRAND TOTAL: 86 Cruises 1280 days

NOT YET SAILED
Rotterdam Boston to Rotter 7/18 - 19 days
Prinsendam Amster to FTL 8/18 96 days
Zaandam Antarctic 12/18 - 22 days
Amsterdam World Cruise 1/19 113 days
Nieuw Statadam 8/19 52 days
Koningsdam 10/19 37 days
Amsterdam World Cruise 1/20 128 days
#10
101,371 Posts
Joined Jul 2000
We also purchase a Med Jet Policy.

For a World Cruise that is greater then 90 days we purchase a policy for them that covers it. The plan that they offer is an Expatriate policy.

In years where we didn't travel for so long outside the USA we got their annual plan.

In either case for those in the USA who have AARP, there is a discount of 15% off the plan.

Most travel insurance companies plans include evacuation insurance but the Med Jet policy which is evacuation only provides several benefits and one includes being transferred to a specific location. I think this is critical for a world cruise where you might be in some very remote areas.

Keith
#11
Florida
21,141 Posts
Joined Nov 2008
Originally posted by Keith1010
We also purchase a Med Jet Policy.

For a World Cruise that is greater then 90 days we purchase a policy for them that covers it. The plan that they offer is an Expatriate policy.

In years where we didn't travel for so long outside the USA we got their annual plan.

In either case for those in the USA who have AARP, there is a discount of 15% off the plan.

Most travel insurance companies plans include evacuation insurance but the Med Jet policy which is evacuation only provides several benefits and one includes being transferred to a specific location. I think this is critical for a world cruise where you might be in some very remote areas.

Keith
Thanks Keith
I think there is a way to buy the longer policy for a W.C. And a policy for the balance of the year.
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We've been on
Carnival: 27 voyages 184 days
Celebrity: 3 voyages 24 days
Holland: 31 voyages 823 days
Norwegian: 2 voyages 16 days
Princess: 16 voyages 154 days
Royal Carib: 5 voyages 35 days
Vantage:River 2 voyages 39 days
GRAND TOTAL: 86 Cruises 1280 days

NOT YET SAILED
Rotterdam Boston to Rotter 7/18 - 19 days
Prinsendam Amster to FTL 8/18 96 days
Zaandam Antarctic 12/18 - 22 days
Amsterdam World Cruise 1/19 113 days
Nieuw Statadam 8/19 52 days
Koningsdam 10/19 37 days
Amsterdam World Cruise 1/20 128 days
#12
Virginia
23,994 Posts
Joined Aug 2011
Originally posted by we're sailing away....
How much was the policy
Not cheap! $3999.60 based on a cost of $36,000. It is the Nationwide Luxury Cruise policy.
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My Cruise Blogs
World Voyage Blog - http://kathisworldvoyage.blogspot.com/
A Winter Crossing - http://cunard2015.blogspot.com
The Sail-Away Gang's Cruise - http://westerdam2015.blogspot.com/
Fall Foliage Cruise -http://fallfoliagecruise2015.blogspot.com/
South Pacific/North to Alaska - http://halcruises2016.blogspot.com/
Around the World Again - https://2018halgwv.blogspot.com/

Evangeline - Nassau - 1960
Johan Van Oldenbarnevelt - EB TA - 1962
Queen Mary - WB TA - 1962
Raffaello - Caribbean - 1968
MV Three Gorges - Yangtze River - 1988
Atlas - Nile River - 1995
Olympic - Aegean Sea - 1996
Constellation - Baltic Sea - 2005
Disney Fantasy - Caribbean - 2012
Queen Elizabeth - World Voyage 2014
Queen Elizabeth - Southampton to Fort Lauderdale - 2015

Westerdam - FLL to Seattle with the "Sail-away Gang" - 2015
Liberty of the Seas - Canada/New England - 2015
Westerdam - Hawaii, Tahiti, and the Marquesas with the "Pearls of the Pacific" - 2016
Nieuw Amsterdam - Alaska - 2016
Amsterdam - Grand World Voyage - 2018
#13
Florida
21,141 Posts
Joined Nov 2008
Thanks for the info
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We've been on
Carnival: 27 voyages 184 days
Celebrity: 3 voyages 24 days
Holland: 31 voyages 823 days
Norwegian: 2 voyages 16 days
Princess: 16 voyages 154 days
Royal Carib: 5 voyages 35 days
Vantage:River 2 voyages 39 days
GRAND TOTAL: 86 Cruises 1280 days

NOT YET SAILED
Rotterdam Boston to Rotter 7/18 - 19 days
Prinsendam Amster to FTL 8/18 96 days
Zaandam Antarctic 12/18 - 22 days
Amsterdam World Cruise 1/19 113 days
Nieuw Statadam 8/19 52 days
Koningsdam 10/19 37 days
Amsterdam World Cruise 1/20 128 days
#15
Centerville, Ohio, USA
9,983 Posts
Joined Apr 2002
Originally posted by The Other Tom
Wow. That's more than 10% of the trip value.
Yes, insurance for a world cruise is not an inexpensive item that one needs to consider when planning such a voyage. But, if one would have to cancel when one is in the penalty phase prior to sailing, it would be worth every penny it cost!
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53 cruises: 32 Holland America, 4 Princess, 4 Carnival, 3 Pacific Far East Line, 2 Cunard, 2 Royal Viking Line, 1 each: Celebrity Cruises, NCL, Royal Caribbean, Sitmar, American Hawaii Cruises, Home Lines
#16
101,371 Posts
Joined Jul 2000
Another option is to view the amount you insure like a deductible on a home or automobile. In other words you could lower the premium by not insuring 100% of the World Cruise.

Keith
#17
USA
373 Posts
Joined Mar 2006
Originally posted by we're sailing away....
How do you handle Insurance on a World Cruise when you are 65 plus.
Is that your age or the length of your trip?

If the former, remember that US Medicare will not cover your medical expenses outside the US and its territories. Your Medigap policy may offer additional coverage for health care services or supplies that you get outside the U.S. Standard Medigap Plans C, D, F, G, M, and N provide foreign travel emergency health care coverage when you travel outside the U.S.

If the later, wahoo!!! Sounds like a great trip.

We use Steve at the tripinsurancestore.com for all our travel insurance needs.

Also, we endorse getting MedJet if you are under 75yo. They will evac you from a local hospital to a hospital of YOUR choice.
#18
Florida
21,141 Posts
Joined Nov 2008
Originally posted by CruisingAlong4Now
Is that your age or the length of your trip?

If the former, remember that US Medicare will not cover your medical expenses outside the US and its territories. Your Medigap policy may offer additional coverage for health care services or supplies that you get outside the U.S. Standard Medigap Plans C, D, F, G, M, and N provide foreign travel emergency health care coverage when you travel outside the U.S.

If the later, wahoo!!! Sounds like a great trip.

We use Steve at the tripinsurancestore.com for all our travel insurance needs.

Also, we endorse getting MedJet if you are under 75yo. They will evac you from a local hospital to a hospital of YOUR choice.
My age next year .
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We've been on
Carnival: 27 voyages 184 days
Celebrity: 3 voyages 24 days
Holland: 31 voyages 823 days
Norwegian: 2 voyages 16 days
Princess: 16 voyages 154 days
Royal Carib: 5 voyages 35 days
Vantage:River 2 voyages 39 days
GRAND TOTAL: 86 Cruises 1280 days

NOT YET SAILED
Rotterdam Boston to Rotter 7/18 - 19 days
Prinsendam Amster to FTL 8/18 96 days
Zaandam Antarctic 12/18 - 22 days
Amsterdam World Cruise 1/19 113 days
Nieuw Statadam 8/19 52 days
Koningsdam 10/19 37 days
Amsterdam World Cruise 1/20 128 days
#19
Tampa, Florida
4,669 Posts
Joined Aug 2007
Originally posted by Keith1010
We also purchase a Med Jet Policy.

For a World Cruise that is greater then 90 days we purchase a policy for them that covers it. The plan that they offer is an Expatriate policy.

In years where we didn't travel for so long outside the USA we got their annual plan.

In either case for those in the USA who have AARP, there is a discount of 15% off the plan.

Most travel insurance companies plans include evacuation insurance but the Med Jet policy which is evacuation only provides several benefits and one includes being transferred to a specific location. I think this is critical for a world cruise where you might be in some very remote areas.

Keith
Either AARP's discount has been lowered, or the discount is smaller for the Diamond (age 75 - 84) policy. They quoted me $665 w/o the discount and $615 with the discount. Either way, it is a cheap price to pay for evacuation/repatriation coverage. That plus HAL's CPP plan provides us with all the coverage we need for the 82-day 2018 Grand Asia. Our medical covers us anywhere in the world.
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#20
101,371 Posts
Joined Jul 2000
Glad you were able to get a discount.

It's about the only discount I've ever used AARP for but it easily pays for several years of AARP membership.

Keith