Trip Insurance

[BcIcemen]

Has anyone used Carnivals trip insurance? Any thoughts on if it is worth it or not? Has anyone had to make a claim if they had the insurance and if so was the reimburstment smooth? Thanks I know someone out there has these answers

[Carnival Platinum Cruiser]

Has anyone used Carnivals trip insurance? Any thoughts on if it is worth it or not? Has anyone had to make a claim if they had the insurance and if so was the reimburstment smooth? Thanks I know someone out there has these answers

 

I buy my own own for the much better coverage especially medical evac, preexisting conditions etc. It costs a few dollars more but has way better coverage. I suggest you do a google for cruise insurance and compare all the plans and choose one that suits you needs.

[serene56]

http://www.insuremytrip.com is where ya want to look. Compare policies.

 

We had to use it in September. Took about 6 weeks to get the money back

[MikeM]

www.insuremytrip.com is where ya want to look. Compare policies.

 

We had to use it in September. Took about 6 weeks to get the money back

 

Have always used this site. Never a problem with several separate claims.

[Ken076]

Has anyone used Carnivals trip insurance? Any thoughts on if it is worth it or not? Has anyone had to make a claim if they had the insurance and if so was the reimburstment smooth? Thanks I know someone out there has these answers

The Carnival Berkely Policy offers very low Medical coverage, marginal MedEvac coverage and no "Waiver of Pre-Existing Conditions" (but DOES offer Future Cruise CREDIT if your claim is denied as due to Pre-Existing Condition) and as of 7/01/2009 includes cancellation coverage for Hurricane Warning, and cancellation coverage for Job Layoff. If you cancel your Cruise before final Payment the Carnival Policy premium is refundable. Carnival and Berkely both CLAIM that the Policy also covers your independently purchased AirFare. The Carnival Policy is a good deal financially (only) if you're in upper 60's or over, as Age is not factored into the Premium as it is with 3rd Party Policies.

The 3rd Party Policies such as CSA, Travel-Ex and Travel-Insured offer much higher coverages are much less expensive if you're younger, and generally offer "Waiver of Pre-Existing Conditions" if you purchase w/in 14-21 days of Cruise Deposit (CSA and HTH allow you to purchase up to Final Payment and retain the Waiver). Most Policies are “Secondary” meaning that you have to first file claims with your own Health/Homeowners Insurance and the 3rd party Policy will pay what your insurance doesn’t pay (up to limits of the policy). If you're traveling with kids, checkout TravelEx and TravelInsured, who insure Kids free with insured adults.

TravelEX is PRIMARY and includes kids under 16 free and offers a Business/Military upgrade.

CSA Freestyle includes Cancellation for Layoff and for School Year Extension.

Patriot TRIP is PRIMARY coverage and includes Cancellation for Layoff, Cancelled Leave for Military, Fire & Police and Missed cruise for flite delay.

TravelInsured includes kids insured free with insured adult.

TravelSafe includes Cancel for Hurricane Warning and Cancel for Any Reason (not always 100%).

ken

[pickle1975]

Wow! There are so many different policies on that site. Of the people that have actually used that site, what policy did you end up purchasing. We are 36 and 34 years old, Healthy and want coverage for medical or the medevac if needed. Basically just if something bad happened on the ship or in port, we want to be covered. What would you recommend? TIA.

[Z-Knight]

I'm waiting for a similar response...any one have suggestions? I'll keep checking in.

 

btw, for an alaska cruise on RCCL I used the Travel Guard company policy...something basic and it worked out great. My mom had a visit to the ships doctor for an ankle rash and that cost about $200 for an initial visit and followup. That was basically more than the insurance cost us and we got all of the money back - so the insurance was good.

[Ken076]

I'm waiting for a similar response...any one have suggestions? I'll keep checking in.

 

btw, for an alaska cruise on RCCL I used the Travel Guard company policy...something basic and it worked out great. My mom had a visit to the ships doctor for an ankle rash and that cost about $200 for an initial visit and followup. That was basically more than the insurance cost us and we got all of the money back - so the insurance was good.

 

If you're not traveling with (and insuring) kids and you're not concerned with Military cancellation/change of orders, CSA Freestyle is reasonably priced, high coverages and a lot of small benefits in the Policy. TravelEx and TravelInsured are also Good. ken

[fig414]

We had a great experience with a Carnival (Berkley) insurance cancellation 5 years ago. My wife got 2nd and 3rd degree burns on her foot and we had to cancel and received a full refund in 2 -3 weeks.