Cruise insurance

[The4Cruisers]

Just wondering if someone can explain the pro's / con's of using a "private" firm for insurance verus the cruise line? Are coverages the same? What should you shop for? I've always bought from the cruise line, but I hear there are better deals. Please advise.

[happycruiser201]

Go to insuremytrip.com and review their polices. I did research a month or so ago and found that I could get better insurance thru an independent company than thru the cruise line or the TA. And it was less expensive. There is a link that has pro's and con's

 

http://www.cruisecritic.com/features/articles.cfm?ID=274

[AZPam]

Another thing to keep in mind is to try and get travel insurance that is in first position. That way you won't have to make a claim with your homeowners or personal medical insurnace before collecting on the travel insurance.

[jstewie23]

We got our insurance through Travelex vs the cruise line's insurance. Royal Caribbean's insurance is NOT primary which means you have to submit a claim to your normal insurance carrier and then you can go through RC. Travelex works as the primary so we can deal directly with them. Plus, it was a little cheaper and the coverages were pretty much identical.

[franu]

The reason that I choose to buy private insurance is that if a cruise line goes under as it did with Renaissance, I don't have to get on line with all of the other creditors. I also buy it on my credit card as this guarantees any purchases including the insurance. I want to get cash and not a voucher for a future cruise.

 

Fran

[The4Cruisers]

Great information. Really appreciated the link to the articles on shopping for insurance. Thanks all!