bobbismith Posted September 16, 2021 #1 Share Posted September 16, 2021 Hello Fellow Travelers, Is the insurance offered through Carnival enough? Any experiences? I just want to cover all my bases. Thanks, Bobbi Link to comment Share on other sites More sharing options...
tallnthensome Posted September 16, 2021 #2 Share Posted September 16, 2021 I would look at the travel insurance forum for that discussion. Link to comment Share on other sites More sharing options...
Rare sparks1093 Posted September 17, 2021 #3 Share Posted September 17, 2021 15 hours ago, bobbismith said: Hello Fellow Travelers, Is the insurance offered through Carnival enough? Any experiences? I just want to cover all my bases. Thanks, Bobbi Maybe, but in my experience you'll overpay for what you get. Going to a travel insurance website like www.insuremytrip.com will allow you to input your trip details and shop a good number of plans. It even allows you to compare plans side by side. For our upcoming Bermuda cruise we purchased a plan for $130 (total for two) that has more robust coverage than Carnival's which is about $190, per person. Carnival's plan might offer cancel for any reason but even if we needed that coverage we could get it for far less than $190 per person. 3 Link to comment Share on other sites More sharing options...
balcony bound Posted September 17, 2021 #4 Share Posted September 17, 2021 Carnival's insurance is based on cruise fare paid, third party is also based on age. So you may find some differences in price as well as coverage. Another factor is when you paid the deposit - Carnival does not care when you paid the deposit, but third party does. Our upcoming cruise deposit was two years ago (thanks, COVID) and totally priced us out of third party coverage that included cancel for any reason and pre-existing conditions. 1 Link to comment Share on other sites More sharing options...
klfrodo Posted September 17, 2021 #5 Share Posted September 17, 2021 16 hours ago, bobbismith said: Hello Fellow Travelers, Is the insurance offered through Carnival enough? Any experiences? I just want to cover all my bases. Thanks, Bobbi Pro's Not based on age Includes CFAR (Cancel For Any Reason) Cons Just about everything else Woefully low on medical coverage (only $10K) My strategy is a 3rd party travel insurance. I "self insure" the Cancellation, trip delay, trip interruption, etc, but I do insure my medical and evacuation. $100K medical and $250K for evac for about $70 for both of us. Every policy sold in the US is regulated by each State. Since I live in Washington State, my above strategy allows me to cover pre-existing conditions without having to cover ALL non refundable trip costs. 2 Link to comment Share on other sites More sharing options...
Rare sparks1093 Posted September 17, 2021 #6 Share Posted September 17, 2021 1 hour ago, sparks1093 said: Maybe, but in my experience you'll overpay for what you get. Going to a travel insurance website like www.insuremytrip.com will allow you to input your trip details and shop a good number of plans. It even allows you to compare plans side by side. For our upcoming Bermuda cruise we purchased a plan for $130 (total for two) that has more robust coverage than Carnival's which is about $190, per person. Carnival's plan might offer cancel for any reason but even if we needed that coverage we could get it for far less than $190 per person. My apologies everyone, my memory is not what it used to be. I just checked our planner and Carnival's plan is $109 per person (it is possible that the cost has gone down over time as with many things cruise related they like to use dynamic pricing). 1 Link to comment Share on other sites More sharing options...
ALWAYS CRUZIN Posted September 17, 2021 #7 Share Posted September 17, 2021 I have used my travel insurance once and had no problem. It is with my Bank of America card. The card it $95.00 a year and well worth the cost just because of the insurance. We cruise a lot. 4-6 times a year on the average. You must use the card for your booking. The perks and points are also good. Only one draw back. You cannot cancel for no reason at all. Link to comment Share on other sites More sharing options...
Recommended Posts
Please sign in to comment
You will be able to leave a comment after signing in
Sign In Now