Insurance Idiot

[TXRed]

Hi! I have searched to try to find the answer and have not been successful...so....I looked on insuremytrip.com to get insurance for our Sept Alaska cruise on the Ruby. I am an insurance idiot..not sure what I should look for to compare the various plans offered. Has anyone used this site? If so, do you have any hints and what should one included on the trip cost? Cruise of course, airfare, hotels, dog boarding...or just items you would be charged for in paid in advance and would not be refundable? Thanks in advance to any/all that can give me some guidance.

[Colo Cruiser]

Hi! I have searched to try to find the answer and have not been successful...so....I looked on insuremytrip.com to get insurance for our Sept Alaska cruise on the Ruby. I am an insurance idiot..not sure what I should look for to compare the various plans offered. Has anyone used this site? If so, do you have any hints and what should one included on the trip cost? Cruise of course, airfare, hotels, dog boarding...or just items you would be charged for in paid in advance and would not be refundable? Thanks in advance to any/all that can give me some guidance.

 

 

Whats wrong with Princess ins?

[SadieN]

Could also ask on the insurance board.

[Thrak]

I'm also an insurance idiot. That's why I just use the Princess insurance. It's easy. :rolleyes:

[TXRed]

Whats wrong with Princess ins?

 

uuuummmmm not sure....several ppl told us not to book the cruise line insurance...said it was very expensive and difficult to deal with.

[TXRed]

Could also ask on the insurance board.

 

 

There is an insurance board on CC?? It didn't come up in my search...I might be a search idiot too :D

[TXRed]

I'm also an insurance idiot. That's why I just use the Princess insurance. It's easy. :rolleyes:

 

I guess I will call them and see what they offer. thanks

[pusywillow]

I used Travel Guard. I called and a very nice girl walked me through it.

[Colo Cruiser]

uuuummmmm not sure....several ppl told us not to book the cruise line insurance...said it was very expensive and difficult to deal with.

 

I have never heard anyone say that Berkeley is hard to deal with. :confused:

[ar1950]

uuuummmmm not sure....several ppl told us not to book the cruise line insurance...said it was very expensive and difficult to deal with.

 

FWIW, we are somewhat older, so, Princess Platinum insurance is not expensive for us compared to what else is available (although we never really did think it was expensive). We've needed to use it twice and there was no difficulty to deal with it. Filled out the claim forms and supplied the info that was asked for and the claims were taken care of.

 

YMMV

Edited April 10, 2015 by ar1950

[martincath]

http://boards.cruisecritic.com/forumdisplay.php?f=635

 

The main thing wrong with Princess, or ANY other vacation company default insurance, is the outrageous profiteering. When you can buy equal or better coverage on an annual policy for the price of a two week single trip, someone somewhere is laughing all the way to the proverbial bank...

 

My first career was in insurance, my wife still works in the industry, and there's only one thing that brings in more profit than one-shot vacation policies - extended warranties at point-of-sale.

 

Those of you signing up for Princess insurance - thank you for subsidizing my cruising; without your generous payments, they'd have to jack up prices somewhere else to keep earnings high;-)

[TXRed]

I used Travel Guard. I called and a very nice girl walked me through it.

 

thanks....a sure need someone like that

[TXRed]

I have never heard anyone say that Berkeley is hard to deal with. :confused:

 

Sorry I have no idea what Berkeley is???

[TXRed]

http://boards.cruisecritic.com/forumdisplay.php?f=635

 

The main thing wrong with Princess, or ANY other vacation company default insurance, is the outrageous profiteering. When you can buy equal or better coverage on an annual policy for the price of a two week single trip, <<<<< can you please explain this to me someone somewhere is laughing all the way to the proverbial bank...

 

My first career was in insurance, my wife still works in the industry, and there's only one thing that brings in more profit than one-shot vacation policies - extended warranties at point-of-sale.

 

Those of you signing up for Princess insurance - thank you for subsidizing my cruising; without your generous payments, they'd have to jack up prices somewhere else to keep earnings high;-)

 

Do you have any suggestions about insurance we are seniors...medicare/medicaid...no other insurance medical ins. Thanks

[TXRed]

FWIW, we are somewhat older, so, Princess Platinum insurance is not expensive for us compared to what else is available (although we never really did think it was expensive). We've needed to use it twice and there was no difficulty to deal with it. Filled out the claim forms and supplied the info that was asked for and the claims were taken care of.

 

YMMV

 

 

Thanks I will check it our once I figure out what we really need.

[elliair]

I used Travel Guard. I called and a very nice girl walked me through it.

 

We use TravelGuard as well. Never had any problems and I book with them online. I think we book the Gold policy.

[TXRed]

We use TravelGuard as well. Never had any problems and I book with them online. I think we book the Gold policy.

 

Thanks will check them out as well...

[waltd]

Sorry I have no idea what Berkeley is???

 

Berkeley takes care of Princess Insurance. We have used Princess Insurance(Berkeley) and have been very happy with it. Yes there is some calling and providing paperwork but what insurance company does not want proof.

[waltd]

http://boards.cruisecritic.com/forumdisplay.php?f=635

 

The main thing wrong with Princess, or ANY other vacation company default insurance, is the outrageous profiteering. When you can buy equal or better coverage on an annual policy for the price of a two week single trip, someone somewhere is laughing all the way to the proverbial bank...

 

My first career was in insurance, my wife still works in the industry, and there's only one thing that brings in more profit than one-shot vacation policies - extended warranties at point-of-sale.

 

Those of you signing up for Princess insurance - thank you for subsidizing my cruising; without your generous payments, they'd have to jack up prices somewhere else to keep earnings high;-)

 

I would also like to know what annual Policy is available for seniors that are on Medicare and Secure Horizons. and cover out of the country coverage Thanks

Edited April 11, 2015 by waltd

[Suzanne123]

https://www.geobluetravelinsurance.com

Covers you outside the US

[jimmieg]

Just so you've heard it once, I found Berkley hard to deal with over very small claim. Best part of a year for a $175 infirmary call. Will likely avoid them in the future for third party vendors.

[Colo Cruiser]

Sorry I have no idea what Berkeley is???

 

 

Princess insurance!!!

[Pam in CA]

I would also like to know what annual Policy is available for seniors that are on Medicare and Secure Horizons. and cover out of the country coverage Thanks

For medical, I have Medicare which doesn't pay a thing for anything on a cruise or outside the U.S. And Anthem Blue Cross supplemental. For cruise insurance, I get the Princess insurance since I'm not penalized for my age plus I get automatically upgraded to Princess Platinum. In addition, I have an annual policy with MedJet Assist which will fly you in a medically equipped jet from anywhere in the world to anywhere.

 

I've never had a problem submitting a claim with Berkley Care through Princess insurance, whether it's a small Medical Center bill or a month-long stay in FLL with my sister while my brother-in-law was in the ICU.

 

No insurance is perfect; it's always a gamble. For me, I want medical, trip interruption, and cancel for any reason coverage. I don't insure hotel or air because I usually use air miles for flights and stay at cheap hotels. In comparing pricing and services for me between the Princess Platinum insurance and independent insurance such as TravelGuard, they're comparable.

[donaldsc]

Whats wrong with Princess ins?

 

In general, almost all cruise line insurance is over priced and under covered. It is also inflexible and makes you take stuff that you might not want. You need to carefully compare the cruise line offered coverage and cost with other options. You also need to figure out what coverage you really need as opposed to what woudl be nice to have. For example, we cover only medical and evacuation. I figure that I can afford any other losses so I self insure for anything else. Because we travel a lot, we also do not insure for specific trips but take a policy that covers any and all trips for a period of one year.

 

DON

Edited April 11, 2015 by donaldsc

[iceleven]

In general, almost all cruise line insurance is over priced and under covered. It is also inflexible and makes you take stuff that you might not want. You need to carefully compare the cruise line offered coverage and cost with other options. You also need to figure out what coverage you really need as opposed to what woudl be nice to have. For example, we cover only medical and evacuation. I figure that I can afford any other losses so I self insure for anything else. Because we travel a lot, we also do not insure for specific trips but take a policy that covers any and all trips for a period of one year.

 

DON

 

OK, so this is new to me and was not aware of this option. Without meddling in your personal life, I would like to know more about this. Would three cruises a year qualify for this "one year" insurance?