ROYAL Caribbean Insurance

[D & S]

Royal insurance vs another company??  Have  Royal cruise booked and   TA suggest we get the Royal insurance. I am comparing policies.   Has anyone used Royal insurance?

[klfrodo]

9 hours ago, D & S said:

Royal insurance vs another company??  Have  Royal cruise booked and   TA suggest we get the Royal insurance. I am comparing policies.   Has anyone used Royal insurance?

"Has anyone used Royal insurance?"

That answer would be a resounding YES. Hundreds of passengers buy it every day.   I'm going to assume the next question would be something like, is it any good? That answer would be more complicated in that insurance is like a pair of pants. If they fit your needs, they're a good pair of jeans. However, many people can't fit in that one size fits all pair of jeans.

 

"I am comparing policies."  Sounds like a good plan.

 

The important part is that, like the above-mentioned pair of jeans, each policy is going to fit differently. Travel insurance is a matter of risk tolerance vs. shared risk. No policy is going to cover every possible scenario. The trick is to determine what is important to you and to choose a policy that minimizes the risk of financial ruin.

For example: If I were to miss embarking on my 7 day cruise to the Caribbean, I won't be financially ruined. For a 30 day trip to Europe, I have more exposure, so I may adjust what I'm able to risk. On the other hand, a $50K medical bill could put me in a world of hurt no matter where I travel. Therefore I look for that coverage. Hope this helps.

[D & S]

Thank you for your answer, it makes perfect sense.  Everyone has a different situation so have to plan as to your personal needs.