wrestlemom Posted December 15, 2018 #1 Share Posted December 15, 2018 Always cruise NCL and just get it through them but am wondering if there is something more reasonable out there. Thanks in advance Link to comment Share on other sites More sharing options...
Rare countess5 Posted December 15, 2018 #2 Share Posted December 15, 2018 Traveling outside the US, needing medical coverage? Geo-Blue offers an annual plan with 4 trips a year outside the US not to exceed 70 consecutive days per trip. Www.Geo Blue.com 1 Link to comment Share on other sites More sharing options...
lifes-a-beach Posted December 15, 2018 #3 Share Posted December 15, 2018 Welcome to CC. Take a look at this sub forum. https://boards.cruisecritic.com/forum/499-cruisetravel-insurance/ Link to comment Share on other sites More sharing options...
Ashland Posted December 15, 2018 #4 Share Posted December 15, 2018 Call Steve or one of his associates at The Trip Insurance Store (888) 407-3854 We have used this company for many of our trips as have other's on this board...Great personal service with a policy that is based on your specific needs...Highly recommend this company !!! 1 Link to comment Share on other sites More sharing options...
voyager70 Posted December 15, 2018 #5 Share Posted December 15, 2018 I use insuremytrip dot com. A ton of options for all budgets. Always been pleased with them. Link to comment Share on other sites More sharing options...
zdad59 Posted December 15, 2018 #6 Share Posted December 15, 2018 I use the Chase sapphire Reserve card. As long as you use their card to pay for the trip their trip cancellation coverage is very good. You also get lost/delayed baggage coverage and OCONUS medical coverage. Link to comment Share on other sites More sharing options...
jptoz Posted December 15, 2018 #7 Share Posted December 15, 2018 i've used many times squaremouth dot com. I can honestly say they have some of the best customer service anywhere. Link to comment Share on other sites More sharing options...
adjoankora Posted December 15, 2018 #8 Share Posted December 15, 2018 We have an annual plan with United Health Care Safe Trip (uhcsafetrip.com). Link to comment Share on other sites More sharing options...
BillHana Posted December 16, 2018 #9 Share Posted December 16, 2018 We have used the RCL Vacation Protection plan on 20+ cruises and have never needed to use it. It is not that expensive and the fine print looks good. What is the risk and what am I missing? Link to comment Share on other sites More sharing options...
Clarea Posted December 16, 2018 #10 Share Posted December 16, 2018 1 minute ago, BillHana said: We have used the RCL Vacation Protection plan on 20+ cruises and have never needed to use it. It is not that expensive and the fine print looks good. What is the risk and what am I missing? I think he RC insuance has inadequate emergency evacuation limits. Also, the RC insurance will not cover independettly booked air. Link to comment Share on other sites More sharing options...
GTO-Girl Posted December 16, 2018 #11 Share Posted December 16, 2018 7 minutes ago, BillHana said: We have used the RCL Vacation Protection plan on 20+ cruises and have never needed to use it. It is not that expensive and the fine print looks good. What is the risk and what am I missing? Usually the insurance from the cruise line is sorely lacking good medical and medical evacuation coverage...which for us is more important than cancellation coverage. Take a look at some of the sites listed above.... Link to comment Share on other sites More sharing options...
JohninDC Posted December 16, 2018 #12 Share Posted December 16, 2018 We've used insure my trip dot com in the past and were happy, but recently found a policy issued by my home/car insurer with better coverage for less $$ Check with your insurance provider to see if they offer travel insurance. Our number one priority is medical coverage, including emergency evacuation, while travelling outside of the USA - those helicopter flights are not cheap! After that the trip interruption, etc. is less of a priority for us. Good luck! Link to comment Share on other sites More sharing options...
SRF Posted December 16, 2018 #13 Share Posted December 16, 2018 (edited) It depends. What coverage do you want? How old are you? What coverage do you have from other sources (personal medical, credit card coverage, etc)? One size does NOT fit all. Our first cruise, for my parents (87), 3rd party insurance was VERY expensive. So we covered them through RC. And they had to use it. Since then, I have found that I can cover my travel without covering cancellation, for a VERY low price. I cover everything except the cruise for about $32. I have used Trip Insurance Store, and they were very helpful with questions, and gave a wide variety of coverage to meet our needs. Edited December 16, 2018 by SRF Link to comment Share on other sites More sharing options...
Rare island lady Posted December 16, 2018 #14 Share Posted December 16, 2018 18 hours ago, countess5 said: Traveling outside the US, needing medical coverage? Geo-Blue offers an annual plan with 4 trips a year outside the US not to exceed 70 consecutive days per trip. Www.Geo Blue.com I am currently a member of Go Blue, and have just a few days ago bought the "Trekker" plan with Geo Blue. Was very easy to sign up and pay online. Have it for the yearly policy starting with first of the year. Looked like a good plan, and was recommended to us by Pinnacle friends. 🙂 Link to comment Share on other sites More sharing options...
SRF Posted December 17, 2018 #15 Share Posted December 17, 2018 BTW, Geo Blue is NOT available in all states. I live in MD and it is not available here. Link to comment Share on other sites More sharing options...
stleda124 Posted December 17, 2018 #16 Share Posted December 17, 2018 If anyone has USAA, I book my insurance through them for my trips. Price is very good fine print looks good! 1 Link to comment Share on other sites More sharing options...
Rare whitshel Posted December 18, 2018 #17 Share Posted December 18, 2018 Chubb is very respectable as well. They will also let you just cover medical and medical evacuation. I did my cruise from them this coming January, covers medical on the ship and on land plus evacuation. I paid $76 total for 5 people, I'm not worried about the cancellation aspect of the cruise but I do want the medical just in case something happen in port or on the ship. $25,000 medical and $500,000 evacuation Link to comment Share on other sites More sharing options...
MechE31 Posted December 18, 2018 #18 Share Posted December 18, 2018 On 12/15/2018 at 4:15 PM, zdad59 said: I use the Chase sapphire Reserve card. As long as you use their card to pay for the trip their trip cancellation coverage is very good. You also get lost/delayed baggage coverage and OCONUS medical coverage. Be careful with this, they only offer $2500 in medical coverage (plus $100k evac). We've got a reserve and pair it with cheap medical only coverage. Our last cruise, it was $24 for pretty good medical coverage for a family of 4 on an 8 night cruise. Link to comment Share on other sites More sharing options...
drneal Posted December 18, 2018 #19 Share Posted December 18, 2018 I also use trip insurance store.com I am more interested in the medical coverage so I usually insure the trip for a fraction of the total cost and the insurance costs me about $50 / person. Im happy to have the trip insurance be secondary and pay the deductible if I need to use it. Link to comment Share on other sites More sharing options...
SRF Posted December 18, 2018 #20 Share Posted December 18, 2018 16 hours ago, stleda124 said: If anyone has USAA, I book my insurance through them for my trips. Price is very good fine print looks good! That is who I go through, but you actually book with another company. And they WILL write $0 trip cost policies. Link to comment Share on other sites More sharing options...
erby2283 Posted December 18, 2018 #21 Share Posted December 18, 2018 (edited) My TA uses Travel Insured. My biggest concerns are CFAR (Cancel for any reason - which must be bought within a certain# of days of your initial cruise deposit) and Medical evacuation. I have attached a list of my coverage for my Mediterranean cruise. It was pricier than I normally pay but rather be safe than sorry! Plan Document2.pdf Edited December 18, 2018 by erby2283 Link to comment Share on other sites More sharing options...
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