Cruise Insurance -- Please help

Feb 27th, 2003, 08:23 AM
  #1  
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Cruise Insurance -- Please help

Can anyone tell me their experience of opinion of the cruise insurance offered by Princess vs. Travelguard.

Thanks
nickel is offline  
Feb 27th, 2003, 08:35 AM
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I can't compare the two for you as I have never purchases insurance for any of my 13 cruises.

This subject has gotten a lot of attention on this site in the past. You may want to search the archives.

My opinion is simple - if you have a situation in your life where you or your family have health issues that make the possibility of having to miss your cruise more probable, then get insurance. If you've reserved the Royal Suite on a 17-day Med cruise and are shelling out big bucks for the cruise and airfare, buy the insurance.
If not - don't; its not worth it. The average cruise these days is about $1500 for two people. If you don't get the airfare thru the cruiseline (and most don't), then why shell out hundreds to protect $1500? Self-insure.
For those who are blackjack players - its just like buying insurance when the dealer is showing an ace. If you have big bucks out on the table, buy it; if not, don't.

Peter
PumpkinEater is offline  
Feb 27th, 2003, 12:31 PM
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Wouldn'tleave home without it...Our first cruise moe than 15 years ago was cancelled at the lastminute because my husband was rushed to the hospital with two bleeding ulcers..and on our last cruise injured my wrist..although my insurance paid most of the bill the cruise insurance(do not buy from Princess or any cruise line) paid for the rest of it. If I had to be helicoptered off it would have been paid. It is such a small amount to pay. I think my husband is using Access America for our next found it much better than Travelguard.. You can search it out on this site..
ParrotMom is offline  
Feb 27th, 2003, 12:47 PM
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I'm a travel agent and I always recommend NOT purchasing the insurance through the tour or cruise operator. If they file bankruptcy and you haven't paid by credit card, you're in serious trouble. We use Access America. They only thing I dislike about the policy is if you purchase your air seperately from the cruise line and your cruise is cancelled, like what happened with Princess recently, your air is not insured for a refund.
BjorkChop is offline  
Feb 27th, 2003, 03:32 PM
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BjorkChop:
So if I understand you correctly---if I am insured with Access America, I can get the insurance to cover the entire trip from home to home? cruise and airfare??What about pre and post days on my own?
Thanks so much. I generally do take out the insurance---but I don't think I've ever used that particular one.
Cruiser is offline  
Feb 27th, 2003, 09:41 PM
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Nickel- I understood that if you INSURE the entire trip --including Pre-and post and your own air---that if something happens, you get re-imbursed...minus the cost of the Insurance- ( this is with the private insurance =like Travel Guard)...

CALL the Insurance company BEFORE you buy and ask the specific questions..

I NEVER buy from the cruise line for hte reason tha Bjork Chop stated-- ALSO, I hate the cruise lines refund policy in case of illness: only a voucher good for 1 year to use again..... Who knows where they will be in 1 years time....????

GO with Private Trip Cxl Insurance==It also protects you against an accident on the way to the airport to catch the plane for the cruise...

I NEVER leave home without Trip CXL Insur...And my cruises cost WAY more than $1500 for 2 people ( unless you live in FLA- Peter???)
andy is offline  
Feb 28th, 2003, 06:49 AM
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As I said, the average cruise without airfare is around $1500 for two. If you book the owners suite, its going to be more; if you book an inside, its going to be less. Cruises are cheap this year. Saw a seven day Carnival Western yesterday for $383 for both including port charges. I've never seen it that cheap.

Again, in my opinion, its crazy to insure against a $1500 loss. Insure your car, your life, your jewelry - but don't insure your big screen TV, your 1985 Chevy or your teenagers ten pairs of Lucky jeans.

Peter
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Feb 28th, 2003, 07:15 AM
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Let;s get down to some of the reasons that some people take trave/cruise insurance... First, if there is a serious accident/death (heaven forbid) it will take care of the person being transferred off ship or to the closest hospital. It does happen. If illness doesn't happen to you or your spouse there is always a close relative whose illness or demise requires the person to cancel. Now, I notice there is a "terrorism" clause. Not everybody buys inexpensive cruises or trips..and I know I can hardly afford to loose $1500.00 so that adding another $100 or more puts my mind at ease.
ParrotMom is offline  
Feb 28th, 2003, 07:36 AM
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Me too---Peace of Mind is worth it.And I just include that in the cost.And if the total cost is too much, I simply dont go.
BeachBoi is offline  
Feb 28th, 2003, 07:36 AM
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Nickel, We always insure through Access America. Having witnessed on too many occasions a passenger & family taken off the vessel at a foreign port for hospital care, or the ship being diverted so a passenger can be flown to the States for life saving treatment. If either my wife or I were one of those people, we sure would appreciate having an insurer pay the extreme additional costs involved.
torpeedo is offline  
Feb 28th, 2003, 08:31 AM
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Wow, can't believe people are cruising for $1,500 for 2! We've got an Alaskan cruise and a Mediterranean cruise booked and both cruisesare in the $5,000 range for 2 and we're using FF miles to get there! I've taken my chances in the past but now due to the health of My Mother I'm considering getting insurance. Maybe we've been lucky in the past but at this stage, we might be pushing the envelope! For insurance needed in the $5,000 range would you still recommend Access America or is this only the best value for lower priced cruises? The most likely reason for cancelling in our case is the health of my Mom....covered? Thanks!
patsy is offline  
Feb 28th, 2003, 09:04 AM
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Peter- where are you from? It MUST be FLA....
I just an email from Celebrity-cheapest thing on the Century is $750 PLUS port taxes pp NO AIR--this is for a GTY cabin....and this is their CHEAPEST ship ....
I do NOT live in FL, so air runs me approx. $250 pp to get there-

So unless you are taking a 3-5 day cruise , and it is on CARNIVAL-the cruise WILL cost more than $1500...

and Unless you have MONEY to BURN( or are independently wealthy)- in case of an emergency, or like the game of Russian Roulette, you NEED insurance...

And it is NOT hundreds--it runs approx.$100 pp for insurance and goes up acording to the COST of your trip...
(this is for private insurance and not the cruise ships insurance plan).
The cruise ship's insurance plan ( NOT advisable) is $99 pp....

Where are you getting your information from??? It is NOT correct....

andy is offline  
Feb 28th, 2003, 09:30 AM
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Cruiser~

Yes, you can insure the entire trip, even the pre/post hotel stay. BUT, unless you've booked all components through the cruiseline, Access America (check with your insurance compancy) will NOT refund your air or hotel stay that you've booked separately from the cruiseline in order to save money. This would be only if say the cruise was cancelled by the cruiseline itself, i.e. engine trouble or the ship wasn't delivered on time.
BjorkChop is offline  
Feb 28th, 2003, 09:34 AM
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andy - first, I'm not from Florida. What part of "As I said, the average cruise WITHOUT airfare is around $1500 for two" don't you understand?

As far as prices for cruises - there are dozens of cruises in March for $1500 or less for BOTH people. Even your example of the Century - icruise.com gave me a price of $935 for BOTH for the 3/29 sailing for a guartentee inside INCLUDING port charges.

You say the insurance doesn't cost hundreds but you go one to say that its $110 pp which is hundreds to me!

Last, but not least, don't challenge me on cruise information. Not only isn't that allowed by Fodors but if anyone doesn't know what they're talking about.....

Peter
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Feb 28th, 2003, 03:42 PM
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nickel,
I think in general, you're better off purchasing third party insurance rather than thru the cruise line. Cruise line insurance is usually more expensive and doesn't cover financial default. But I have no direct experience with Travelguard.

pasty,
If your mother's medical condition is a pre-existing one, you will need to purchase the insurance within 7-14 days of making your initial deposit depending on the insurer. Otherwise, you're only covered for NON pre-existing conditions. Check carefully.

andy,
I'm with Peter on this one. I'm constantly bombarded with emails from various cruise agencies advertising one week cruises in the $399-599 range including port charges, and these offers are on HAL, Princess, Celebrity, not just Carnival. Just saw a special for a 10 night HAL Rotterdam cruise departing in March for $619pp in an outside cabin a few days ago. So it's definitely possible to find a cruise that is longer than 3-5 days on something other than Carnival for $1500 or less, as a matter of fact, it's pretty easy.

I've only purchased insurance once out of more than a dozen cruises. That was because I had to prepay a large non-refundable amount and was concerned about the financial stability of the cruise line. The amount that I normally spend on a cruise isn't really worth insuring. And no, I don't have money to burn, I just choose to insure for the big, not little, things in life. For the number of trips I take a year, I'd be spending thousands of dollars on travel insurance.
Patty is online now  
Feb 28th, 2003, 05:43 PM
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Peter- Challenge you? Get real- Last time I heard, this was a free world...remember freedom of speech....

I have not gotten any of those cheapie cruise emails-
SO , If you know where I can get those inexpensive cruises, by all means, post them here on the board, as I would LOVE to partake in a "deal"...
andy is offline  
Feb 28th, 2003, 09:01 PM
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andy - I already posted one: Century on 3/29 for $935 via icruise.com. If you want several dozen more, simply go to any of the big .coms (cruise.com, cruisequick.com, expedia.com, crucon.com, etc, etc, etc.) and as Patty said look at Celebrity, Carnival, Princess, RCCL, HAL for March or April and you can cruise for two solid months for less than $2500 apiece!

And as for challenges, that part of your post that asked where I get my "wrong" information from, sounded a lot like a challenge to me, pal.

Peter
PumpkinEater is offline  
Feb 28th, 2003, 09:47 PM
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Peter- help me out then--

I just tried to go to icruise.com and put in Mar.22 on the Century-
this was the cheapest thing that came up:
Continental Decks, Category 12 Inside Stateroom. Two convertible lower beds

**Price Includes Port Charge** $1,510 $614 $1,035 -and this is a per person rate,unless I am reading it incorrectly...

I seriously would like to book but am confused as to the actual rate- as the way I read it, it's $1035 pp...
Is this the case????

All the cheaper cruises you are talking about are way later...

Since you seem to know so much about the inexpensive angle, can you help enlighten me.... I am very serious about this....As I do want to book a cheap cruise-
andy is offline  
Mar 1st, 2003, 07:12 AM
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Thanks Patty....I'm kind of confused with this pre-existing thing. My Mom is in her mid-80's living in a nursing home. Is this pre-existing that she's OLD? At this age, anything can happen unexpectedly. Anyone else concerned about the health of an elderly parent as being the main reason they may have to cancel?
patsy is offline  
Mar 1st, 2003, 07:13 AM
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Andy:
You have chosen my favorite ship!
The website is $428. per person guaranteed inside ( port charges,etc. included as stated ).
Great deal. Recheck the site yourself--maybe you misread the columns.
Happy cruising!!
Cruiser is offline  

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