colleenod Posted September 11, 2013 #1 Share Posted September 11, 2013 Do you all use Carnivals insurance? We are booked for October out of baltimore Maryland and have purchased the cruise lines insurance... Do you think it is sufficient? Does anyone not use the cruise lines insurance and use an outside source? Just feeling a bit uneasy as this is our first cruise! Sent using the Cruise Critic forums app Link to comment Share on other sites More sharing options...
DKF97 Posted September 11, 2013 #2 Share Posted September 11, 2013 We always by insurance but not from Carnival. It's probably sufficient but it costs more than twice as much. We always use TravelGuard. Link to comment Share on other sites More sharing options...
cathyz Posted September 11, 2013 #3 Share Posted September 11, 2013 We always buy insurance, but not from Carnival, usually Travelguard. We buy it mostly for the emergency medical / evacuation coverage, that would be prohibitively expense without insurance. Link to comment Share on other sites More sharing options...
GlendaleCruiser Posted September 11, 2013 #4 Share Posted September 11, 2013 I always end up with Travelguard Gold. I go to insure my trip dot com (all one word) and compare but that's what I've always ended up with. The main reason I get it is not for lost luggage and cruise fare, plane fare (all good reasons), but MOSTLY I get it for the emergency medical treatment when out of the country (my ins doesn't cover me out) and ESPECIALLY for helicopter evacuation. No, I never plan to use it but NO ONE EVER DOES. :cool: Link to comment Share on other sites More sharing options...
Rare Scrapnana Posted September 11, 2013 #5 Share Posted September 11, 2013 Check out the coverage for medical care and medical evacuation. For my next cruise the cruise line was offering $20,000 coverage for accident or other medical needs. If you are lucky, that would cover one day in a hospital with basic treatment (not surgery). Could you afford to pay for any costs above what the cruise line insurance covers? Link to comment Share on other sites More sharing options...
DKF97 Posted September 11, 2013 #6 Share Posted September 11, 2013 Check out the coverage for medical care and medical evacuation. For my next cruise the cruise line was offering $20,000 coverage for accident or other medical needs. If you are lucky, that would cover one day in a hospital with basic treatment (not surgery). Could you afford to pay for any costs above what the cruise line insurance covers? Wow that's terrible! Our insurance for our next cruise has $500,000 for medical evacuation. It was $155, compared to $436 for carnivals insurance. Sent from my Galaxy S4 Link to comment Share on other sites More sharing options...
colleenod Posted September 11, 2013 Author #7 Share Posted September 11, 2013 Wow that's terrible! Our insurance for our next cruise has $500,000 for medical evacuation. It was $155, compared to $436 for carnivals insurance. Sent from my Galaxy S4 What company are you using? Sent using the Cruise Critic forums app Link to comment Share on other sites More sharing options...
DKF97 Posted September 11, 2013 #8 Share Posted September 11, 2013 What company are you using? Sent using the Cruise Critic forums app Travel guard Sent from my Galaxy S4 Link to comment Share on other sites More sharing options...
Guest maddycat Posted September 11, 2013 #9 Share Posted September 11, 2013 We never buy any cruise line's insurance. We buy our travel insurance through the Trip Insurance Store. The website is very easy to understand. We use it to compare policies. If we have any questions we call and speak to one of their very knowledgeable agents. Lately we have been buying Travel Safe Insurance. It's primary coverage. We buy soon after booking our cruise so that pre-existing medical conditions are covered. ***Trip Insurance Store*** Link to comment Share on other sites More sharing options...
Happy2cruise Posted September 11, 2013 #10 Share Posted September 11, 2013 We never buy any cruise line's insurance. We buy our travel insurance through the Trip Insurance Store. The website is very easy to understand. We use it to compare policies. If we have any questions we call and speak to one of their very knowledgeable agents. Lately we have been buying Travel Safe Insurance. It's primary coverage. We buy soon after booking our cruise so that pre-existing medical conditions are covered. ***Trip Insurance Store*** We also use Trip Insurance Store to purchase our insurance which is also Travel Safe. Link to comment Share on other sites More sharing options...
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