Cruise insurance: any suggestions or best practices? Which insurance company do you recommend?

[nikebrinsgr]

Like to get your thoughts on cruise insurance. Thanks!

[Host Kat]

On 7/28/2023 at 12:28 AM, nikebrinsgr said:

Like to get your thoughts on cruise insurance. Thanks!

 

Hello @nikebrinsgr 

 

Thank you for your new thread. However, your inquiry was off topic where posted. To help you out, your new thread has been moved to the Cruise/Travel Insurance forum where it will be on topic. Browse through the thread titles on this forum looking for threads of interest. You will probably find your fellow Cruise Critic members have already posted questions and received answers that may be of interest to you.

 

I suggest you use the Follow feature on any threads where you are interested in the new replies. That way you will not have to go looking to see if there are new posts because they will come looking for you as notifications. If you need information on how to do it, please click here How to: Follow Topics & Forums (Subscribed Threads/Forums Info).

 

Hope this will be helpful and glad to have you aboard Cruise Critic! 

 

Happy sails,

 

Host Kat

[jclinard]

Only take recommendations from people who have tried to collect on a policy.  Do not take recommendations from people who are impressed as to how fast the company deposited the premium and have no other dealings with them.

 

Read any policy in advance.

 

Understand what you want to insure.

 

Read complaint cases from the BBB.  You'll also find out what sellers can't or won't become part of the BBB.  

 

Be careful of randos on the internet trying to push an agenda.  I know of some people who have both urged people to get insurance and then urged people not to file legitimate claims.

[iamtrustworthy]

On 7/30/2023 at 2:23 PM, jclinard said:

Only take recommendations from people who have tried to collect on a policy.  Do not take recommendations from people who are impressed as to how fast the company deposited the premium and have no other dealings with them.

 

Read any policy in advance.

 

Understand what you want to insure.

 

Read complaint cases from the BBB.  You'll also find out what sellers can't or won't become part of the BBB.  

 

Be careful of randos on the internet trying to push an agenda.  I know of some people who have both urged people to get insurance and then urged people not to file legitimate claims.

Hi jclinard,

 

> I know of some people who have both urged people to get insurance and then urged people not to file legitimate claims.

 

That is completely unethical and against the law. Here's what we tell our customers:

 

"As a policyholder you have every right to file a claim. When you ask us if your claim will be covered, we tell you to the best of our knowledge. We cannot predetermine claims. However, the only way you can be sure if your claim will be paid or not is after you file your claim. The insurance company has the final say."

 

Steve Dasseos

[jclinard]

23 minutes ago, iamtrustworthy said:

Hi jclinard,

 

> I know of some people who have both urged people to get insurance and then urged people not to file legitimate claims.

 

That is completely unethical and against the law. Here's what we tell our customers:

 

"As a policyholder you have every right to file a claim. When you ask us if your claim will be covered, we tell you to the best of our knowledge. We cannot predetermine claims. However, the only way you can be sure if your claim will be paid or not is after you file your claim. The insurance company has the final say."

 

Steve Dasseos

 

 

I don't know if the person who recommended against filing a claim was an insurance agent or just a busybody.