bclub Posted March 16, 2019 #1 Share Posted March 16, 2019 Need help with the above. Got my P&O Holiday Package this week, on reading the fine print, it States I need insurance. We have traveled on 8 different cruise lines and over 2 dozen cruises and never was getting insurance a requirement of passage. My TA checked and said yes P&O requires insurance. We live in the USA, anyone out there have advice about what carrier we can use. Went to P&O recommendation and guess what? Only for UK residents. We are coming over on a Celebrity cruise into Southampton arrive April 27 and leave on P&O the same evening. Link to comment Share on other sites More sharing options...
swaddy Posted March 16, 2019 #2 Share Posted March 16, 2019 When you do buy insurance , make sure it includes specific cruise insurance and not just generic travel insurance. It is compulsory for British tour operators, not just cruise lines. Link to comment Share on other sites More sharing options...
eddie11 Posted March 16, 2019 #3 Share Posted March 16, 2019 Anything here? https://www.google.co.uk/search?q=travel+insurance+for+uk+cruise+for+non+uk+resident&ie=UTF-8&oe=UTF-8&hl=en-gb&client=safari Do you normally travel uninsured? How would you be covered should you fall ill on Celebrity? Link to comment Share on other sites More sharing options...
BrianI Posted March 16, 2019 #4 Share Posted March 16, 2019 There must be lots of US based insurance companies you could use. Brian Link to comment Share on other sites More sharing options...
bclub Posted March 16, 2019 Author #5 Share Posted March 16, 2019 We usually do travel uninsured, haven't seen a need for it. We are both healthy, yes something could happen however I don't worry about the something. I have looked at policies in the U.S. and there are many. Was hoping I could get an idea from someone who has already used one. I don't think we can post a company on CC but I could give my email if any has info. Link to comment Share on other sites More sharing options...
jh1809 Posted March 16, 2019 #6 Share Posted March 16, 2019 I'm surprised that US cruise lines don't require one to have travel insurance, as not only P&O but every UK package holiday company I've travelled with requires it. On a cruise, if you needed an emergency medvac when at sea the cost could run well into five figures. Link to comment Share on other sites More sharing options...
terrierjohn Posted March 16, 2019 #7 Share Posted March 16, 2019 1 minute ago, bclub said: We usually do travel uninsured, haven't seen a need for it. We are both healthy, yes something could happen however I don't worry about the something. I have looked at policies in the U.S. and there are many. Was hoping I could get an idea from someone who has already used one. I don't think we can post a company on CC but I could give my email if any has info. If you Google travel insurance companies in UK, you should find plenty of Ideas. Link to comment Share on other sites More sharing options...
bclub Posted March 16, 2019 Author #8 Share Posted March 16, 2019 Thanx, that helps. It's not compulsory in the U.S. that's why we have never bothered. Our credit card covers travel, just not medical. Link to comment Share on other sites More sharing options...
jeanlyon Posted March 16, 2019 #9 Share Posted March 16, 2019 I cannot believe you would buy travel insurance including medical for any holiday. Suppose a car hit you, suppose one of you had a stroke, heart attack, whatever. 1 Link to comment Share on other sites More sharing options...
kalos Posted March 16, 2019 #10 Share Posted March 16, 2019 (edited) Most uk travel insurance companies state :- To help us give you a quote as quickly as possible, we've made some assumptions. Please tell us if these assumptions are correct. Every traveller to be covered by this policy: is a permanent UK resident has resided in the UK for the past six months is registered with a UK doctor Please note all trips must start and finish within the UK and that this policy cannot be arranged for a trip you have already started. Are all the assumptions correct? A USA traveller would not meet these requirements and would probably be best taking out insurance before leaving home .Should the worst ever happen you need a insurance that takes you back to your homeland . Edited March 16, 2019 by kalos Link to comment Share on other sites More sharing options...
NoFlyGuy Posted March 16, 2019 #11 Share Posted March 16, 2019 Each to their own. As a middle aged couple with medical conditions to declare, we would never travel without insurance. Yes it gets pricey, but I would rather pay that knowing we wont get hit with a 5 or 6 figure sum if something dreadful happened. Especially true for us Brits cruising to the US or Caribbean. Even if you think you are perfectly healthy anything can happen. My better half few off the bottom of the gangway on an RCI Baltic cruise two years ago, bruised but no other problems - had she broken a bone, then what? Link to comment Share on other sites More sharing options...
john watson Posted March 16, 2019 #12 Share Posted March 16, 2019 2 hours ago, jeanlyon said: I cannot believe you would buy travel insurance including medical for any holiday. Suppose a car hit you, suppose one of you had a stroke, heart attack, whatever. I think you have missed out "not" as in not buy, Jean. I have an ongoing Annual Policy purchased through American Express Insurance Services. Regards John Link to comment Share on other sites More sharing options...
Harry Peterson Posted March 17, 2019 #13 Share Posted March 17, 2019 16 hours ago, bclub said: We usually do travel uninsured, haven't seen a need for it. We are both healthy, yes something could happen however I don't worry about the something. I have looked at policies in the U.S. and there are many. Was hoping I could get an idea from someone who has already used one. I don't think we can post a company on CC but I could give my email if any has info. I'd hazard a guess that in the US you're much more used to the risks of being uninsured than we are in the UK, with our excellent (but now grossly underfunded) NHS. Serious health issues are still dealt with here for everyone, without charge, most of the time. But travel abroad can give rise to costs amounting to tens or even hundreds of thousands of pounds/dollars (the cost of an air ambulance alone may well be £25,000+) so mostly we insure against it. Medical claims could cost you your house and everything you own, and none of us know when illness (or an accident) can strike. Link to comment Share on other sites More sharing options...
Tom Baker Posted March 17, 2019 #14 Share Posted March 17, 2019 17 hours ago, bclub said: Thanx, that helps. It's not compulsory in the U.S. that's why we have never bothered. Our credit card covers travel, just not medical. Just out of curiosity (and I'm not judging or questioning your decision in any way) but what would happen if you were to fall seriously ill and had to be medevaced from your ship lets say 100 miles from Southampton on your Celebrity cruise? Link to comment Share on other sites More sharing options...
Harry Peterson Posted March 17, 2019 #15 Share Posted March 17, 2019 19 hours ago, swaddy said: When you do buy insurance , make sure it includes specific cruise insurance and not just generic travel insurance. It is compulsory for British tour operators, not just cruise lines. If you want to keep costs down, but still avoid the risk of financially crippling medical costs, you may not need specific cruise insurance - provided that cruises aren't specifically excluded from the standard policy. Cruise insurance does carry some useful extras (such as cover for missing the ship on a port visit) but the medical cover isn't usually much different from that of a standard policy. Link to comment Share on other sites More sharing options...
bclub Posted March 17, 2019 Author #16 Share Posted March 17, 2019 Thanx for all the help. Just purchased insurance from Globe Hopper Senior. Got it for the whole 24 days we will be away. You all had good points 're: the insurance. Still not sure it is necessary, my brother who lives in England had it when my dad died, he was with me on our way to Hawaii via Las Vegas. He had to turn around and go back to England, had a hard time collecting from his insurance. Me, I just forfeited the airline change fee. Safe travels to all of us. Link to comment Share on other sites More sharing options...
Rare Selbourne Posted March 17, 2019 #17 Share Posted March 17, 2019 2 hours ago, docco said: If you want to keep costs down, but still avoid the risk of financially crippling medical costs, you may not need specific cruise insurance - provided that cruises aren't specifically excluded from the standard policy. Cruise insurance does carry some useful extras (such as cover for missing the ship on a port visit) but the medical cover isn't usually much different from that of a standard policy. Agreed. Some people buy very expensive cruise insurance which isn’t needed. My wife and I have an annual worldwide travel insurance policy that covers all eventualities (including on board & ashore medical fees, medivac, repatriation etc) plus covers my wife’s pre existing medical condition and it costs us around £130 a year. The insurer we use considers cruises to be normal holidays. We don’t get missed port compensation (which you do with specific cruise policies) but the relatively small amount that you get for that is paid for many times over by some of the exorbitant fees for cruise specific cover that I have read about on here. Link to comment Share on other sites More sharing options...
Tom Baker Posted March 17, 2019 #18 Share Posted March 17, 2019 I have a policy which pays £250 for a missed port. There are 4 of us on the policy, I am very pleased to miss Gib, Toulon, Gothenberg or other such "non stops" for £1000. Link to comment Share on other sites More sharing options...
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