Should I get Medical Insurance for our cruise?

[SirDomino]

You need to check with your primary health insurance carrier.

 

That helps to make decision.

 

As to whether you should buy insurance or not for travel, that is a personal decision. I have debated this with another a people. From a statistic point of view, if you travel often, its a waste of money because you can afford to lose one as if you calculate how much you spend on each cruise, and add them up. But from a mental standpoint, losing all that money will not be fun.

 

I have Blue Cross / Blue Shield, and they said I am covered outside of the country, but it is considered OUT OF NETWORK and they would only cover 70% of "Reasonable" costs. They do not provide trip interruption, or anything that is not medical related.

 

SO I went ahead and got additional insurance to make up for the difference.

 

As for travel insurance, I typically buy the tickets a week or two before departure, and I am not eligible for travel insurance.

[happy cruzer]

Pre-existing conditions also apply to family members.

 

For trip cancellation or interrruption that can be important if a family member falls ill or passes away.

 

Just another piece of the insurance puzzle....