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We always purchase insurance when cruising. Used it once on a land portion when the train workers went on strike in Portugal. We had to rent a car. TravelGuard covered 100% including the car rental, gas and a flat tire.
We never buy insurance from the cruise line. This site allows you to compare different coverages and prices. Travel Insurance - InsureMyTrip.com
Also, while cruising I needed to go the infirmary and have a little check up. It was billed to our ship board account and my personal (employer) insurance did cover it under the medical policy.
I just called my insurance and they said if we have an emergency on the ship or on an island we would have to pay upfront for the medical expense and they would reimburse us. We just have to make sure we only go to emergency and not a Dr's office and bring all the records with us to submit. Our trip is in a couple weeks, so we are not going to get the insurance and spend the extra $80 because it's highly unlikely we will cancel. If we get sick or hurt we will just pay and get the money back later.
I hope you have a wonderful time---YOU deserve it after all you've been through!!
I just called my insurance and they said if we have an emergency on the ship or on an island we would have to pay upfront for the medical expense and they would reimburse us. We just have to make sure we only go to emergency and not a Dr's office and bring all the records with us to submit. Our trip is in a couple weeks, so we are not going to get the insurance and spend the extra $80 because it's highly unlikely we will cancel. If we get sick or hurt we will just pay and get the money back later.
Just a guess, but I suspect your insurance deductible for an emergency visit is a lot more than $80.00? The trip insurance may not include a deductible that has to be paid before the insurance kicks in. Also, your insurance may not consider things like a sinus infection or urinary tract infection an emergency and may deny it without a big fight.
The medical insurance is one thing but people traveling to the Caribbean during hurricane season (whether by air or sea) are advised to carry trip insurance just in case of a cancellation or change of itinerary due to bad weather. You have to read the small print to determine which policy will best suit your needs but for the pretty minimal premium it makes sense to be covered. Have a wonderful trip - where are you going?
I figure if we can afford a cruise we can afford $50 for insurance. My fear was missing a plane connection and not making the ship....and ships wait for no one!! We noticed on our cruise this summer that at every port there was at least one person being carried off on a stretcher.....who know why but it could happen to anybody.
The medical insurance is one thing but people traveling to the Caribbean during hurricane season (whether by air or sea) are advised to carry trip insurance just in case of a cancellation or change of itinerary due to bad weather. You have to read the small print to determine which policy will best suit your needs but for the pretty minimal premium it makes sense to be covered. Have a wonderful trip - where are you going?
Thanks. We are going to Grand Turk, Half Moon Cay and Nassau. I chose that one because the others that fit into our schedule were going to Mexico and Jamaica, which I've already been to many times. I've never been to Grand Turk or Half Moon Cay and I really only want to go to Nassau to spend the day at Atlantis. I had a ten day vacation at the Atlantis resort several years ago and it was incredible. I see you are in St. Thomas? I've been there a bunch of times and it's one of my favorites but it's been several years. I was actually hoping I could have found a ship that stops there but none were scheduled the week or length of trip we had planned. Do you live there?
Thanks. We are going to Grand Turk, Half Moon Cay and Nassau. I chose that one because the others that fit into our schedule were going to Mexico and Jamaica, which I've already been to many times. I've never been to Grand Turk or Half Moon Cay and I really only want to go to Nassau to spend the day at Atlantis. I had a ten day vacation at the Atlantis resort several years ago and it was incredible. I see you are in St. Thomas? I've been there a bunch of times and it's one of my favorites but it's been several years. I was actually hoping I could have found a ship that stops there but none were scheduled the week or length of trip we had planned. Do you live there?
Sounds very nice and I'm sure you'll have a wonderful time - a cruise is such a wonderful way to travel and is so relaxing! Yes, STT has been my home for 25 years now. How time flies ... Cheers!
I am a travel agent and ALWAYS advise them to take the insurance. A medical evacuation can cost over $35,000. You never know what will happen. If you are not traveling with a passport and an emergency occurs and you have to see a Dr in port. If you miss the ship you will be denied re-entry into the US. It also covers you if a medical emergency happens to an immidiate family member and you need to cancel your cruise.
We just booked a cruise through Orbitz (best price, by the way) and they were trying to sell us insurance for $39 per person. She said that it covers last minute cancellation but also medical issues once on the ship and on the islands. She also said our own insurance is no good once we get on the ship. Is this true? Has anyone bought this insurance and had to use it? We only plan to sunbathe and overeat, so I don't think we will break an arm or anything and need the insurance.
$39 sounds cheap!!-- We are taking an extended fall cruise to the Mediterranean and are being quoted $1000-1200+ for insurance to cover things like trip cancellation, interruption, medical expenses, lost luggage, etc. That sounds really HIGH to me and I'm wondering if it is worth it or if someone has a better suggestion.
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Cruise Insurance - $1200
