Multiple cruises & flights in one holiday

[ScreaMa]

Hi

We are embarking on the 4 Cunard Queens starting May next year.

55 days

3 international flights

1 domestic flight

4 cruises

 

We have booked this as a complete package including flights etc.

 

My question is what do we put down as far as insurance?

Is this a world cruise?

Do I need to break down the four cruises?

Do I need to state our starting and ending ports (we have multiple hotel stays)?

 

Help.

 

[ceeceeDee]

May be a question for your insurance company?

[lyndarra]

My credit card insurance covers holidays like that. If you have a CC check out its travel insurance conditions.

[arxcards]

It is treated as a single holiday of 55 days.

It will need cruise coverage, which might be an add-on depending on your policy.

Most policies are based on zones. If part of your trip includes the US, it would generally be an international policy, including cruise and including North America.. 

Edited Monday at 12:09 AM by arxcards

[cruiser3775]

You would normally book it as one trip with the start date when you leave home and the end date when you get back.  Normally, you have to tick a box for cruise cover, and they probably add an extra amount per day for the whole 55 days, so not very cost effective if the cruises are only a portion of the whole trip. Qantas travel insurance doesn't add extra for cruises - they are included in their international premium cover, and you don't have to be flying with them to take out the travel insurance. Other companies may ask how many days are cruise days and only charge extra for those days. It will be worthwhile to do several dummy quotes with all the major companies.

You will need to name every country you visit.

Edited Monday at 02:19 AM by cruiser3775

[buchhalm]

That should be treated as ONE 55-day trip. Include cruise cover and the relevant countries you will be visiting.

[valantine80]

It may be worthwhile looking at an annual policy that will cover you for that many days in the one trip, especially if you are planning more holidays in the twelve months. You can often choose maximum number of days in the one trip eg thirty, sixty, ninety.

 

[arxcards]

5 hours ago, valantine80 said:

It may be worthwhile looking at an annual policy that will cover you for that many days in the one trip, especially if you are planning more holidays in the twelve months. You can often choose maximum number of days in the one trip eg thirty, sixty, ninety.

 

Ooh, a 55 day trip max is very expensive to cover on an annual policy.

[arxcards]

8 hours ago, cruiser3775 said:

You would normally book it as one trip with the start date when you leave home and the end date when you get back.  Normally, you have to tick a box for cruise cover, and they probably add an extra amount per day for the whole 55 days, so not very cost effective if the cruises are only a portion of the whole trip. Qantas travel insurance doesn't add extra for cruises - they are included in their international premium cover, and you don't have to be flying with them to take out the travel insurance. Other companies may ask how many days are cruise days and only charge extra for those days. It will be worthwhile to do several dummy quotes with all the major companies.

You will need to name every country you visit.

I would agree, and would suggest that everyone needs to kick their own tyres, as there is so much variation based on age, pre-existing medical, length of trip, details of trip.

 

Personally, Qantas has never come-up with the best price for us. Yes, they include cruises without specific add-on cover, but other policies can still be cheaper even after adding that specific cover. If you have a thing for Qantas FF points, they could be the best option. Qantas are just badging an IAG (NRMA insurance) product, which is a reliable brand, but more expensive for us. With 4 cruises in the 55 days, I would think that cruising is a significant part of the OP's itinerary.

[valantine80]

15 minutes ago, arxcards said:

Ooh, a 55 day trip max is very expensive to cover on an annual policy.

Haven't looked at that for a few years. I know a number of years ago was better for us to have an annual policy that covered trips up to sixty days as we were doing a trip including several cruises totaling forty two days as well as other cruises in same twelve months. Guess things have changed and insurance has got rather expensive.

[arxcards]

Just now, valantine80 said:

Haven't looked at that for a few years. I know a number of years ago was better for us to have an annual policy that covered trips up to sixty days as we were doing a trip including several cruises totaling forty two days as well as other cruises in same twelve months. Guess things have changed and insurance has got rather expensive.

We have always gone with annual insurance, and the generic pricing is still great for trips up to 21/28 days (depending on the brand). 45 days max policies are still comparable, but many brands will not insure longer trips on an annual policy. Those that do are somewhat painful. We have tailored our trip to the UK next year to fit within a 45 day policy. Ideally, we wanted a few more days, but the jump in insurance prices was more than significant.

[valantine80]

Our annual policy was with RACQ and they still offer cover for 60 days. We were taking out cover for shorter term but consultant suggested to cover for 60 days at no extra cost.Probably not these days.

[sanne]

I have done many such trips pre Covid - international and domestic flights, different cruises, safari, hotels and car hire etc. - all one itinerary. Insurance was taken out from the day we left Australia to the day we returned.
 

Cruise cover was always included but is not always the case now. Mostly it’s an add on which sure bumps up the price of the policy plus the cost of cancellation cover which now has to be selected most of the time.