Solely for medical coverage

[NJRonbo]

Just booked our first Celebrity cruise for next year.

 

Wasn't even thinking of getting insurance.  Have sailed many times during the late 90s and early 2000s and never bought insurance.

 

However, my girlfriend and I are in our late 50s and we realize there is always the chance that there could be a medical emergency while out of the country that our insurance would not cover.

I did some limited insurance compares with THE INSURANCE STORE and ALLIANZ.

However, Celebrity CruiseCare seems to be the best deal I have seen.  $285 for the state room (both of us) for 7 days.

...and I don't need the trip insurance.  We are from the port state.  Not flying.  Not worried about our luggage being lost and how valuable the contents (though maybe I should be).

Don't know if someone offers just medical coverage for a week.  If you have a recommendation, would be most appreciative. 

[TheOldBear]

I would advise checking with an agent [e.g. the trip insurance store] about options [live conversation, not just the web site].

You can purchase insurance where the 'cost of the trip' is very low - but that may impact trip interruption coverage for example that is pinned to a percentage of the trip's overall price.

[klfrodo]

If ALL you are concerned about is medical, then an annual policy might be a good fit.

 

Also, there is no absolute requirement that when you declare "Trip Cost" that you cover the entire trip.

(Except in most instances where the policy requires this as a stipulation to waive any pre-existing conditions). Even this stipulation may not be enforceable under the State in which you reside. That's where a good broker can be of some help.

 

I purchase a single trip policy marketed to Washington State residents whereas I only claim a "Trip Cost" of $500. I still get the pre-existing condition waiver if purchased in the proper timeframe AND I have $100K Primary medical for a total cost of $35 per person. My Trip Interruption and Trip delay are limited to 150% of "Trip Cost". 

After 10 years of doing this, I'm ahead of the game should I have to take a hit in the future.