Help me figure out what we need in trip insurance

[MnAsMom]

I declined the insurance offered by RCCL cause I remember everyone saying it's better to go to insuremytrip or the like. So I went to that site and there are so many options I have no idea what I am looking at. We will be driving to the port so I don't need to cover flights and such. I wanted to cover cancellations due to illness or injury and I suppose medical should we need to be airlifted etc. What do I need to look for on the insurance sites??? Please help me if you've done this before. Oh and the cruise line quoted $176 for our family of 4... I am assuming we can do better pricewise?

 

Thanks in advance for any help you can offer!

 

~Tondi

[KCcruisin07]

I declined the insurance offered by RCCL cause I remember everyone saying it's better to go to insuremytrip or the like. So I went to that site and there are so many options I have no idea what I am looking at. We will be driving to the port so I don't need to cover flights and such. I wanted to cover cancellations due to illness or injury and I suppose medical should we need to be airlifted etc. What do I need to look for on the insurance sites??? Please help me if you've done this before. Oh and the cruise line quoted $176 for our family of 4... I am assuming we can do better pricewise?

 

Thanks in advance for any help you can offer!

 

~Tondi

 

The amount you pay is based on the amount you want to insure, in this case probably the cost of your cruise. If you have not bought insurance before, I would suggest looking at the website, then calling InsureMyTrip. If you just fill things out yourself, you could make a mistake and pay too much, e.g. I put the total cost of the trip for two where it should have been for one:rolleyes: and doubled the cost.

[MnAsMom]

The amount you pay is based on the amount you want to insure, in this case probably the cost of your cruise. If you have not bought insurance before, I would suggest looking at the website, then calling InsureMyTrip. If you just fill things out yourself, you could make a mistake and pay too much, e.g. I put the total cost of the trip for two where it should have been for one:rolleyes: and doubled the cost.

 

Thank You. I kinda came to that conclusion myself while trying to figure out what I needed and which company etc. My head was spinning. Do I need 100,000 or 500,000 coverage for med evac? I think I need to talk to someone directly and make sure I don't make any mistakes or assume I am covered for something and find we are not when we might really need it! I will be calling in the morning... they were closed by the time I figured out I needed to actually talk to someone!

 

thank you for the reply!

[kewlcruisin]

Here is a link to the insurance I used on my last 10 cruise to the caribbean where I also drove to the port. From my research, the insurance carrier is "A" rated which is good to know. Take a look at the sight and read over the information. It is fairly straight forward, easy to understand and much less expensive then others.

 

http://www.worldnomads.com/insurance.aspx

 

Good luck and I hope this helps.

 

Steve