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Insurances on World Cruise when over 65.

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If I was on Princess I would theirs. The rate doesn't increase with age like many other insurance companies.

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Viking's was VERY reasonable but you only get credit toward other cruises not your money back!!!

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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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We look at all options.

 

I also use the web site insuremytrip.com although there are similar sites.

 

I look at a range of policies.

 

Keith

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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 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

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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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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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Not cheap! $3999.60 based on a cost of $36,000. It is the Nationwide Luxury Cruise policy.

Wow. That's more than 10% of the trip value.

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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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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

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How do you handle Insurance on a World Cruise when you are 65 plus.

 

Is that your age or the length of your trip? :confused:

 

If the former' date=' 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.

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Is that your age or the length of your trip? :confused:

 

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 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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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

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Check out Allianz. They offer an annual policy which cobers any travel. You choose a maximum reimbursement per year and pay escalating cost. We bought $10k this year.... no world cruise ��

They reimbursed us $7k with minimal hassle after FIL death forced us to fly home withno notice from BKK. No squabble paying for our J tickets even though we were on award J ticket. Only problem is once issued you can't raise the policy max until renewal date. I'm 66 btw.

NOT inexpensive but we were impressed with service and are planning to buy a much higher policy to cover 2018 since I'm retiring and expecting to do far more travel.

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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.

That was helpful thank you..

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Check out Allianz. They offer an annual policy which cobers any travel. You choose a maximum reimbursement per year and pay escalating cost. We bought $10k this year.... no world cruise ��

They reimbursed us $7k with minimal hassle after FIL death forced us to fly home withno notice from BKK. No squabble paying for our J tickets even though we were on award J ticket. Only problem is once issued you can't raise the policy max until renewal date. I'm 66 btw.

NOT inexpensive but we were impressed with service and are planning to buy a much higher policy to cover 2018 since I'm retiring and expecting to do far more travel.

I think there is a maximum number of days per trip.

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Does anybody of you World Cruisers insure your trip against insolvency/bankruptcy of the cruiseline? Can you recommend a cover insurance that would cover that risk?

Ivi

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If you are in the US and are covered under your states Blues plan, it is most likely you have worldwide coverage. Look for a suitcase icon on the front of your ID Card and call customer service for your local plan.

 

 

Sent from my iPad using Forums

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Does anybody of you World Cruisers insure your trip against insolvency/bankruptcy of the cruiseline? Can you recommend a cover insurance that would cover that risk?

Ivi

 

It was included as part of the general insurance I purchased for our world cruise. Compare the plans on insuremytrip.com

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It was included as part of the general insurance I purchased for our world cruise. Compare the plans on insuremytrip.com

 

 

 

Thanks[emoji106]

 

 

Sent from my iPhone using Tapatalk

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when my hubby and I did the full world cruise on the QM2 in 2016 we took out four insurance policies - Cunard, Medicare covered some and Med Jet and another

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Although both of us are still < 65, we were unable to find a company willing to provide insurance for our 2020 Viking Ocean WC. Tried the local brokers and also the online company mentioned in a previous post. Most mentioned the high cost and almost 2 year lead time.

 

We ended up accepting the Viking insurance and will supplement with an additional medical plan before departure, as medical is limited to $100K. Our cruise starts in LA and we don't cross the border with less than $5-10M, which is what most of our plans offer.

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Yes, regarding Medical Evacuation, READ the fine print. Most Med Evac only cover you to the "nearest qualified medical hospital/clinic that can treat you." That can be a VERY relative term. We've seen some of the "hospitals" in third world countries that could treat a heart attack, etc...but would I want to be treated there? NO WAY. MedJet policy will take you anywhere in the world you want to go for your treatment as long as a doctor has deemed you need treatment. 100k of med evac is useless if it's to "the next island with a hospital."

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I posted over a year ago about our experience with I’ll Leon’s. This is not been a great year for us either. While in Thailand in April, I developed a severe pneumonia requiring a month in the intensive care unit. They not only paid for the entire hospitalization, my partners hotel room, all of the prepaid and unused hotel nights, Went far beyond. The flew an EMT from Toronto to Chang Mai to evaluate me and fly home next to me with portable oxygen all the way back to our house in New York. They paid for business class seats for the three of us. They even paid for my partner refilling his medication prescription since he ran out While I was in the hospital.

 

Honestly, I can’t think of any service industry company I have dealt with who were as easy to work with and wonderful as they were.

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