as41shots Posted August 16, 2009 #1 Share Posted August 16, 2009 Do you guys purchase through Royal when booking, your TA, or direct from another source? Any opinions on the policies and companies that are out there? Link to comment Share on other sites More sharing options...
glgolfer Posted August 16, 2009 #2 Share Posted August 16, 2009 www.insuremytrip.com You can compare policies on this site and pick the one best suited for you. Link to comment Share on other sites More sharing options...
glgolfer Posted August 16, 2009 #3 Share Posted August 16, 2009 Here's another insurance site for comparison. http://www.squaremouth.com/ Link to comment Share on other sites More sharing options...
bouhunter Posted August 16, 2009 #4 Share Posted August 16, 2009 Tip - buy a policy where the medical is listed as PRIMARY care. If you need to use it they pay first, no need to go through the process of claiming it on your own health insurance first. Three years ago we had a minor reason to see the doctor, 200.00 on our seapass. When we got home we filed a claim with the travel insurance and a couple weeks later got a check for the full amount no questions asked. Never had to go to our health insurance at work:) Link to comment Share on other sites More sharing options...
Seatravelers Posted August 16, 2009 #5 Share Posted August 16, 2009 Get thru our TA and not RCCL, access america usually. Link to comment Share on other sites More sharing options...
NCMtnBoys Posted August 16, 2009 #6 Share Posted August 16, 2009 Get thru our TA and not RCCL, access america usually. In the past I've booked insurance through insuremytrip and RCCL directly. Haven't had to use either. I recently booked a couple cruises for next year through a T/A friend of mine and he speaks highly of AccessAmerica also, so we had him do the insurance through them for our cruises next year. Link to comment Share on other sites More sharing options...
as41shots Posted August 16, 2009 Author #7 Share Posted August 16, 2009 Thanks for the input. Had been looking at Squaremouth and will probably end up booking through them. it looks very easy to compare and contrast. I REALLY appreciate the tip to look out for "primary" coverage... it's one of those things that can be so easy to overlook. Link to comment Share on other sites More sharing options...
seeship Posted August 16, 2009 #8 Share Posted August 16, 2009 In ten years of cruising have never purchased insurance. Thought about it when elderly parents were living, but didn't. I guess I consider myself self insured. Link to comment Share on other sites More sharing options...
cruisecookie Posted August 16, 2009 #9 Share Posted August 16, 2009 We usually book our cruises far in advance of the sail date and we take RCCL's insurance. The reason that we take RCCL's insurance is because it offers a "cancel for any reason" provision. With most travel insurance you must order the insurance within 2 weeks of making your cruise reservation in order to get the "cancel for any reason" provision. If we have to cancel our RCCL cruise (before our final payment date), we can also cancel the RCCL trip insurance with no penalties. And just to let you know, RCCL trip insurance covers your airfare even if you did not book it through RCCL. Link to comment Share on other sites More sharing options...
SA Traveler Posted August 16, 2009 #10 Share Posted August 16, 2009 We have used Access America and Travelguard but normally use RCL's Cruise Care because at our age it is normally cheaper. It is based on price of the cruise rather than age. For awhile I was using both that and Access America to cover airfare until I actually read the policy and found that it does cover independently booked air. Link to comment Share on other sites More sharing options...
cruisinfanatic Posted August 16, 2009 #11 Share Posted August 16, 2009 what I like about Royal Caribbean's insurance is that you can cancel up to the day you sail for any reason. You get 75% credit toward a future cruise. Link to comment Share on other sites More sharing options...
disneylover89 Posted August 17, 2009 #12 Share Posted August 17, 2009 Does RCL insurance cover pre-existing conditions? Link to comment Share on other sites More sharing options...
RVfromAZ Posted August 17, 2009 #13 Share Posted August 17, 2009 what I like about Royal Caribbean's insurance is that you can cancel up to the day you sail for any reason. You get 75% credit toward a future cruise. So you get a credit for a future cruise, not a refund. Just would like to clarify. Thanks Link to comment Share on other sites More sharing options...
SA Traveler Posted August 17, 2009 #14 Share Posted August 17, 2009 So you get a credit for a future cruise, not a refund. Just would like to clarify. Thanks If you cancel for a non-covered reason it is a 75% cruise credit. If for a covered reason it is a refund of the full cost. As for pre-existing conditions - they would be covered IF the condition is treated or controlled solely through the taking of medication and remains treated or controlled with no change in the required prescription throughout the 60 day period before coverage is effective. That is a quote from the Cruise Care booklet. Also the pre-existing limit does not apply to emergency evacuation or repatriation. It does apply to trip cancellation or interruption and the medical benefits. Link to comment Share on other sites More sharing options...
cruiseco Posted August 19, 2009 #15 Share Posted August 19, 2009 About the travel insurance comparison sites: If you find a plan you like online it never hurts to see if your TA offers the exact same plan (they often carry three or four). If the TA does have that plan, I'd suggest you buy it from him/her. First of all, they'll appreciate the commission. Second, in case of a dispute your TA may have much more leverage with the insurer, especially if it's a large agency. Many times over the years we were able to get the insurer to see things our way on a claim. It wasn't so much a matter of them necessarily wanting to keep the client happy. They really, really wanted to keep US happy. Link to comment Share on other sites More sharing options...
Cuizer2 Posted August 19, 2009 #16 Share Posted August 19, 2009 Do you guys purchase through Royal when booking, your TA, or direct from another source? Any opinions on the policies and companies that are out there? I would suggest you do NOT purchase through the cruise line. That said, I usually purchase the CSA policy. A good site to see what sort of coverages are available is InsureMyTrip dot Com. Link to comment Share on other sites More sharing options...
Cruise-Nut Posted August 19, 2009 #17 Share Posted August 19, 2009 In ten years of cruising have never purchased insurance. Thought about it when elderly parents were living, but didn't. I guess I consider myself self insured. I never bought either until we had friends with us who had to be evacuated and flown home for a surgery. It was almost $10,000 by the time it was said and done. They bought RCCL insurance and everything was paid including unused cruise portion. I never leave home without it! Link to comment Share on other sites More sharing options...
lablvr2 Posted August 20, 2009 #18 Share Posted August 20, 2009 I've cruised both with and without insurance. The older I get, the more I make sure I purchase it. I have a 90 yr old MIL now. That changes everything. Whatever company you buy from (I don't buy from RCI) take a moment to look at the coverage. If you have no intentions to rent a car on an island, don't buy a policy that charges you for that coverage. Take some time to really look at what you actually need. Without a doubt - make sure it has Medivac in the event you need it should some really intense injury/illness occur. I use insuremytrip.com Link to comment Share on other sites More sharing options...
dirtgirl Posted August 20, 2009 #19 Share Posted August 20, 2009 Does RCL insurance cover pre-existing conditions? http://www.royalcaribbean.com/allaboutcruising/vacationProtectionPlan.do;jsessionid=00002EIECBd37W52_mtLGofj6f7:10ktdmqkf?cS=NAVBAR This is their insurance policy. They have a 60 day rule, which isn't too bad. A lot are 90 days or longer. And yes, it doesn cover independently booked flights. A lot of people on CC say that it doesn't, but it clearly states that it does. HAL or Princess is better though, in that they cover 80-90% of your cost for 'cancel for any reason'. Link to comment Share on other sites More sharing options...
luckyprincess Posted September 9, 2009 #20 Share Posted September 9, 2009 If you cancel for a non-covered reason it is a 75% cruise credit. If for a covered reason it is a refund of the full cost. As for pre-existing conditions - they would be covered IF the condition is treated or controlled solely through the taking of medication and remains treated or controlled with no change in the required prescription throughout the 60 day period before coverage is effective. That is a quote from the Cruise Care booklet. Also the pre-existing limit does not apply to emergency evacuation or repatriation. It does apply to trip cancellation or interruption and the medical benefits. Does it cover medivac and accidents and that kind of stuff too? It would be easier and cheaper I think to get it through the cruiseline but I want to be sure it covers big ticket items.... Link to comment Share on other sites More sharing options...
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