chloe77 Posted April 17 #1 Share Posted April 17 Is it important to use each person's exact cruise fare rather than the trip total cost when buying cruise insurance? We have a 3rd and 4th person deal where my kids are around $500 each but my husband and I are thousands each. Some of the broker websites just ask me for total cost. But when I go to the insurance company's direct site, some (IMG LX for example) want fare per person. If I put exact fare per person, the total cost of insurance is higher than if I put the total fare divided by four people in. Does it matter whether I use exact cost per person or total cost? Thanks! Link to comment Share on other sites More sharing options...
iamtrustworthy Posted April 18 #2 Share Posted April 18 5 hours ago, chloe77 said: Is it important to use each person's exact cruise fare rather than the trip total cost when buying cruise insurance? We have a 3rd and 4th person deal where my kids are around $500 each but my husband and I are thousands each. Some of the broker websites just ask me for total cost. But when I go to the insurance company's direct site, some (IMG LX for example) want fare per person. If I put exact fare per person, the total cost of insurance is higher than if I put the total fare divided by four people in. Does it matter whether I use exact cost per person or total cost? Thanks! Hi chloe77, I only know of a few plans that will pay your full Trip Cancellation or Trip Interruption claim for a covered reason if you average the trip cost between all of you. I wrote this on Feb 27, 2008 and it's still correct: How To Correctly Quote a Travel Insurance Plan https://tripinsurancestore.com/blog/how-to-correctly-quote-a-travel-insurance-plan/ I hope this helps you, Steve Dasseos Link to comment Share on other sites More sharing options...
Rare CDNPolar Posted April 18 #3 Share Posted April 18 5 hours ago, iamtrustworthy said: Hi chloe77, I only know of a few plans that will pay your full Trip Cancellation or Trip Interruption claim for a covered reason if you average the trip cost between all of you. I wrote this on Feb 27, 2008 and it's still correct: How To Correctly Quote a Travel Insurance Plan https://tripinsurancestore.com/blog/how-to-correctly-quote-a-travel-insurance-plan/ I hope this helps you, Steve Dasseos 10 hours ago, chloe77 said: Is it important to use each person's exact cruise fare rather than the trip total cost when buying cruise insurance? We have a 3rd and 4th person deal where my kids are around $500 each but my husband and I are thousands each. Some of the broker websites just ask me for total cost. But when I go to the insurance company's direct site, some (IMG LX for example) want fare per person. If I put exact fare per person, the total cost of insurance is higher than if I put the total fare divided by four people in. Does it matter whether I use exact cost per person or total cost? Thanks! Welcome to Cruise Critic! The only comment that I have as someone that has claimed and received back a significant amount of money for an unforeseen medical event that caused a cancelation is don't skimp on the insurance. If you are one that wants to insure your trip, don't look to save a few hundred dollars. We always do what Steve suggests above and insure per person cost - the only saving grace for us as a couple is we are the same cost so we do take the total cost and divide by two. Very good blog post Steve! I was not so aware of this before reading this. I just wish that you sold insurance in Canada! 1 Link to comment Share on other sites More sharing options...
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