PGHProducer Posted July 19, 2023 #1 Share Posted July 19, 2023 Apologies if this isn't the right forum... I typically buy my insurance directly with Royal Caribbean. HOWEVER, if I decide to book with another company, which amount do I "insure" the trip for? Is it the subtotal? The full total amount after taxes, fees, gratuities? Something else? Link to comment Share on other sites More sharing options...
Rare vacationlover_mn Posted July 19, 2023 #2 Share Posted July 19, 2023 8 minutes ago, PGHProducer said: Apologies if this isn't the right forum... I typically buy my insurance directly with Royal Caribbean. HOWEVER, if I decide to book with another company, which amount do I "insure" the trip for? Is it the subtotal? The full total amount after taxes, fees, gratuities? Something else? We do total cruise cost + airfare + luggage + hotel + transportation. And we always get medical, and try to book soon enough for “cancel for any reason”. 1 Link to comment Share on other sites More sharing options...
Ashland Posted July 19, 2023 #3 Share Posted July 19, 2023 To get some exact information on what you need specifically speak to a professional. Call the Trip Insurance Store and speak to Steve who is often a contributor here on CC or one of his associates. We as well as many others here have used him for many trips. 888 407-3854 5 Link to comment Share on other sites More sharing options...
GTO-Girl Posted July 19, 2023 #4 Share Posted July 19, 2023 (edited) 19 minutes ago, PGHProducer said: Apologies if this isn't the right forum... I typically buy my insurance directly with Royal Caribbean. HOWEVER, if I decide to book with another company, which amount do I "insure" the trip for? Is it the subtotal? The full total amount after taxes, fees, gratuities? Something else? You put the total amount of any money you would not automatically get refunded if you had to cancel. Because gratuities, port taxes, excursions, internet etc would be refunded you don’t include those…. We ALWAYS purchase trip insurance but never from the cruise line. You can get better coverage for less money through a third party…. www.insuremytrip.com Edited July 19, 2023 by GTO-Girl 3 Link to comment Share on other sites More sharing options...
klfrodo Posted July 19, 2023 #5 Share Posted July 19, 2023 (edited) It depends on what you want to insure and what level of risk you’re willing to take? Every policy is different based on your needs. Also know that each State of residency could dictate the terms and conditions. Cancel For Any Reason? You probably need to purchase a policy within 14 to 21 days after making a deposit Pre-existing medical condition waiver? You probably need to purchase within 14 - 21 days also. You may also be required to cover ALL non-refundable trip costs. This varies by State. Myself? I buy the minimum coverage required to get the medical and evac coverage. I can absorb the cost of the cruise. I can’t absorb the $100K medical. Edited July 19, 2023 by klfrodo Link to comment Share on other sites More sharing options...
Anton Posted July 19, 2023 #6 Share Posted July 19, 2023 A couple years ago I decided that I was tired of buying insurance for every cruise and now I buy an annual Allianz travel policy with the focus on the medical and emergency evacuation coverage. It does cover up to $5000 per person trip cancellation, luggage loss, and medical payments among other things. Annual policies have limits though, such as it's pretty much a use it once and it's done thing. But I'm quite sure if I ever needed medical evacuation I won't be traveling again anytime soon. 2 Link to comment Share on other sites More sharing options...
Rare Tree_skier Posted July 19, 2023 #7 Share Posted July 19, 2023 I'm looking at doing the same. Which plan did you purchase Link to comment Share on other sites More sharing options...
steveru621 Posted July 19, 2023 #8 Share Posted July 19, 2023 23 minutes ago, Anton said: A couple years ago I decided that I was tired of buying insurance for every cruise and now I buy an annual Allianz travel policy with the focus on the medical and emergency evacuation coverage. It does cover up to $5000 per person trip cancellation, luggage loss, and medical payments among other things. Annual policies have limits though, such as it's pretty much a use it once and it's done thing. But I'm quite sure if I ever needed medical evacuation I won't be traveling again anytime soon. The $5,000 is only once per year. Link to comment Share on other sites More sharing options...
Rare Tree_skier Posted July 19, 2023 #9 Share Posted July 19, 2023 1 hour ago, GTO-Girl said: You put the total amount of any money you would not automatically get refunded if you had to cancel. Because gratuities, port taxes, excursions, internet etc would be refunded you don’t include those…. We ALWAYS purchase trip insurance but never from the cruise line. You can get better coverage for less money through a third party…. www.insuremytrip.com I tried looking at insuremytrip.com but couldn't seem to get a quote for an annual plan? Link to comment Share on other sites More sharing options...
Tlbecker1 Posted July 19, 2023 #10 Share Posted July 19, 2023 18 minutes ago, Tree_skier said: I'm looking at doing the same. Which plan did you purchase We purchase a yearly policy from Allianz. We also purchase additional medical coverage from GeoBlue. We have never had to use either of them, but I like just purchasing them once a year for all of our travel. 1 Link to comment Share on other sites More sharing options...
steveru621 Posted July 19, 2023 #11 Share Posted July 19, 2023 10 minutes ago, Tree_skier said: I tried looking at insuremytrip.com but couldn't seem to get a quote for an annual plan? It is near impossible to find it. Link to comment Share on other sites More sharing options...
mets07 Posted July 19, 2023 #12 Share Posted July 19, 2023 We do an annual plan as well ... if you have USAA, they offer it thru Travel Insured International. Our concern is medical/evac. We will risk the price of the cruise. Link to comment Share on other sites More sharing options...
Rare RobInMN Posted July 20, 2023 #13 Share Posted July 20, 2023 There's a whole sub-forum for trip/cruise insurance. My guess is a mod will move this there at some point: https://boards.cruisecritic.com/forum/499-cruisetravel-insurance/ 1 1 Link to comment Share on other sites More sharing options...
Rare Tree_skier Posted July 20, 2023 #14 Share Posted July 20, 2023 40 minutes ago, steveru621 said: It is near impossible to find it. You're not kidding. I just found figured it out. The annual plans they offer do not seem to include any cancellation coverage. Link to comment Share on other sites More sharing options...
steveru621 Posted July 20, 2023 #15 Share Posted July 20, 2023 3 minutes ago, Tree_skier said: You're not kidding. I just found figured it out. The annual plans they offer do not seem to include any cancellation coverage. Allianz does, with lots of before/after restrictions. We have one. My wife had bronchitis and could not go. They paid us $4,000 with very little hassle. It's NOT cancel for any reason. 1 Link to comment Share on other sites More sharing options...
GTO-Girl Posted July 20, 2023 #16 Share Posted July 20, 2023 1 hour ago, Tree_skier said: I tried looking at insuremytrip.com but couldn't seem to get a quote for an annual plan? I looked into an annual policy but it doesn’t meet the requirements I am looking for. I want a policy that serves as “Primary” not secondary. And I want a large medical and medical evacuation. The annual policies I saw did not do that unless I paid a very high annual premium which defeats the purpose 2 Link to comment Share on other sites More sharing options...
Rare PATRLR Posted July 20, 2023 #17 Share Posted July 20, 2023 3 hours ago, Ashland said: To get some exact information on what you need specifically speak to a professional. Call the Trip Insurance Store and speak to Steve who is often a contributor here on CC or one of his associates. We as well as many others here have used him for many trips. 888 407-3854 @PGHProducer I second the recommendation of calling and talking to Steve. 2 hours ago, Tree_skier said: I tried looking at insuremytrip.com but couldn't seem to get a quote for an annual plan? I've talked to Steve and he's not a real fan of annual policies. Link to comment Share on other sites More sharing options...
RedIguana Posted July 20, 2023 #18 Share Posted July 20, 2023 16 hours ago, klfrodo said: Pre-existing medical condition waiver? You probably need to purchase within 14 - 21 days also. After eating the cost of trip insurance for a cruise I canceled the day before final payment due to the shutdown (canceled in March 2020 for a June 2020 cruise....pretty easy to see the writing on the wall at that point...did not want to give 5k to a cruise line for a cruise that was not going to happen), I obtain my trip insurance when I make final payment. Granted I don't have any pre-existing conditions myself, but some of my travel companions on the policies have, and there are plenty available that you can obtain at final payment that waive pre-existing conditions that are well controlled. Link to comment Share on other sites More sharing options...
steveru621 Posted July 20, 2023 #19 Share Posted July 20, 2023 15 hours ago, GTO-Girl said: I looked into an annual policy but it doesn’t meet the requirements I am looking for. I want a policy that serves as “Primary” not secondary. And I want a large medical and medical evacuation. The annual policies I saw did not do that unless I paid a very high annual premium which defeats the purpose We have a second policy from GeoBLUE. Link to comment Share on other sites More sharing options...
teddie Posted July 20, 2023 #20 Share Posted July 20, 2023 (edited) 19 hours ago, PGHProducer said: Apologies if this isn't the right forum... I typically buy my insurance directly with Royal Caribbean. HOWEVER, if I decide to book with another company, which amount do I "insure" the trip for? Is it the subtotal? The full total amount after taxes, fees, gratuities? Something else? I always purchase through a reputable provider and buy an enhanced medical plan, which covers transportation back to your hospital of choice. Otherwise, you will be taken to the closest appropriate facility for hospital care should it be needed. That means, if you are sailing in the caribbean, you could be transported to a hospital in Miami for care. So, if you reside in, let's say, Minnesota, you may have to shell out cash for medical tranport to get back home, if your private health insurance won't cover that cost. I speak from experience through my work as a program coordinator for a well-known rehabilitation hospital in New Jersey. I've worked with families who've had to pay $20,000 or more for air ambulance services to get back to their home hospital. Stay safe! Teddie Edited July 20, 2023 by teddie Link to comment Share on other sites More sharing options...
Ashland Posted July 20, 2023 #21 Share Posted July 20, 2023 5 minutes ago, steveru621 said: We have a second policy from GeoBLUE. We also have a GeoBlue policy and renew it every year. Happy to have never had to use it.🤞 2 Link to comment Share on other sites More sharing options...
RB9643 Posted July 21, 2023 #22 Share Posted July 21, 2023 7 hours ago, teddie said: I've worked with families who've had to pay $20,000 or more for air ambulance services to get back to their home hospital. What possible benefit would there be to pay $20k to get back to their home hospital? Just get me out of Honduras, I'm good. 2 Link to comment Share on other sites More sharing options...
Rare BirdTravels Posted July 21, 2023 #23 Share Posted July 21, 2023 On 7/19/2023 at 9:50 PM, PATRLR said: I've talked to Steve and he's not a real fan of annual policies. Of course not, he doesn't make any money on them. Link to comment Share on other sites More sharing options...
Rare BirdTravels Posted July 21, 2023 #24 Share Posted July 21, 2023 1 hour ago, RB9643 said: What possible benefit would there be to pay $20k to get back to their home hospital? Just get me out of Honduras, I'm good. Have you tried to charter an air ambulance with a medical team to do a round trip from the States to Honduras? I guess the cheapest would be to drop you somewhere just inside the Mexican boarder, but I assume that you would want to get to hospital in Omaha. 1 Link to comment Share on other sites More sharing options...
RB9643 Posted July 21, 2023 #25 Share Posted July 21, 2023 3 minutes ago, BirdTravels said: Have you tried to charter an air ambulance with a medical team to do a round trip from the States to Honduras? I guess the cheapest would be to drop you somewhere just inside the Mexican boarder, but I assume that you would want to get to hospital in Omaha. We're talking about being brought to the nearest US hospital, and then paying $20k to get from there to your "home" hospital. Read better. 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