Go Back   CruiseMates Cruise Community and Forums > Cruise Deals. Cruise Questions and Answers! > All Things Cruising

All Things Cruising Any cruise question not specific to one cruise line

Reply
 
Thread Tools Search this Thread Display Modes
  #1  
Old April 11th, 2017, 12:25 PM
Aerogirl Aerogirl is offline
Senior Member
Admiral
 
Join Date: Oct 2008
Posts: 6,019
Default Trip insurance ?

I always buy insurance for my cruises but just read that my credit card offers it automatically as long as I pay for it with their card.

Has anyone ever used a cc insurance instead of purchasing it ? Guess I will be calling to see what they have to say.
It's for trip cancellation/ interruption, medical emergency and lost luggage.
Reply With Quote
  #2  
Old April 11th, 2017, 02:54 PM
Donna's Avatar
Donna Donna is offline
Moderator
Admiral
 
Join Date: Aug 2000
Location: on my computer
Posts: 27,231
Send a message via AIM to Donna
Default

I would make sure it does cover emergency medical...that alone can be costly...
__________________

Message Boards Moderator
Reply With Quote
  #3  
Old April 11th, 2017, 10:48 PM
Lakers Fan Lakers Fan is offline
Senior Member
Admiral
 
Join Date: Aug 2009
Posts: 22,576
Default Hi

Quote:
Originally Posted by Aerogirl View Post
I always buy insurance for my cruises but just read that my credit card offers it automatically as long as I pay for it with their card.

Has anyone ever used a cc insurance instead of purchasing it ? Guess I will be calling to see what they have to say.
It's for trip cancellation/ interruption, medical emergency and lost luggage.

We book our cruises with a travel agency that gives FREE insurance .

Prior to using this TA we have used a CC insurance .
Reply With Quote
  #4  
Old April 12th, 2017, 04:51 PM
storybookcruises.com's Avatar
storybookcruises.com storybookcruises.com is offline
Moderator
Admiral
 
Join Date: Aug 2011
Location: Cape Coral, FL
Posts: 2,306
Default

Travel insurance offered by a credit card or free by an agency is usually a very limited policy and may not cover everything. As with everything else in life, you get what you pay for and nothing is free. So, it's very important to compare the specific details of the policies.

For example, some policies offered by a cruise line does not cover the airfare, unless you book the airfare through the cruise line. Some policies offered by a credit card company does not include any pre-existing conditions. Some policies issued by a cruise line or airline will only provide credit towards another trip and not provide a refund.

Remember, pre-existing conditions and the overall coverage does not only cover you, but it covers your immediate family as well. For example, our son needed immediate medical attention hours before we were flying to Europe for a 3-week trip that included a 1-week river cruise. Needless to say, we had to cancel at the last minute and our travel insurance paid 100% of all of our out-of-pocket expenses.

Another thing to make sure it covers is if your travelling companion has to cancel. Good insurance will provide you a refund for cancelling, while some don't.

We use to sell travel insurance from 5 different companies, including some of the biggest names in the industry. We fired 3 of them, because their customer service wasn't what we wanted for our clients. So, keep in mind that biggest name does not mean best policy. Many companies sell travel insurance, but it's the customer service when needed that defines a company. I can't tell you how important it is to make sure they are available 24/7 to help you in an emergency.

And one major point to consider when comparing policies, some are definitely much better than others in international situations. Many seniors rely solely on Medicare as their only health coverage. Medicare will not cover anyone internationally. It's very important to make sure any policy you're considering will be valid in all situations. Just because they'll sell it to you or provide it to you does not mean it will cover you for everything.

Lastly, compare all the limits of the coverages. $10,000 may sound like alot, but when it comes to a medical emergency, especially in foreign countries, that's a very minimal amount.

Not trying to talk anyone into anything, but just offering some words of advice I've learned from doing this for 15 years and seeing all sorts of issues arise while people are traveling. But the biggest advice I can offer is to always make sure you have travel insurance, especially when leaving the country. It's one of those things that you hope it's a waste of your money, because if you need it, it's usually not for a good reason. But if you need it, you're damn glad you've got it.

One of our own Cruisemates was on a Mexican Riviera cruise 2 weeks ago and when she was in Cabo San Lucas, she decided to have lunch at a restaurant. While walking out, she missed the step, fell, and broke her pelvis. For those who aren't familiar with this break, there's really nothing they can do - no surgery or casts will help. It's extremely painful and takes months to recover. Luckily, she had travel insurance, contacted their 24-hour concierge service, and they were extremely helpful. She's now back home in a rehab nursing home and recovering. She is very thankful for the service she got and can't imagine having this happen without travel insurance.

So, no matter what you decide or what you're offered, just double check everything carefully, because the last thing you want is a surprise if you need it.


Pete
__________________
Travel Agent/Cruise Specialist w/16 yrs exp and 51 Cruises on 12 different cruise lines in many parts of the world! VIETNAM VETERAN OWNED & OPERATED. Certified Accessible Travel Advocate. Specializing in unsurpassed personal service to insure you have a hassle-free vacation!
Reply With Quote
  #5  
Old April 14th, 2017, 05:15 PM
Aerogirl Aerogirl is offline
Senior Member
Admiral
 
Join Date: Oct 2008
Posts: 6,019
Default

Mine doesn't cover travel related other than lost luggage .....odd.

I'll be buying my insurance for sure.
Reply With Quote
  #6  
Old April 18th, 2017, 06:48 AM
Manuel Manuel is offline
Senior Member
Admiral
 
Join Date: Sep 2005
Location: Palm Coast, Florida
Posts: 24,556
Default

I would not travel overseas or go on a cruise without getting travel insurance. Credit cards might cover some items but I don't want to take a chance if there is a major medical emergency.


TM
__________________
CRUISES
Century 4/1998
Mercury 4/2000+4/2006+7/2007
Sensation 4/2002
Infinity 4/2003
Summit 4/2004+4/2005
Carnival Liberty New Year's Eve 2007
Liberty of the Seas 5/2008+11/2009
Solstice 4/2009
Oasis 4/2010+4/13/2013
Allure 1/16/ 2011
Equinox 4/11/2011+4/4/2016
Independence 12/29/13
Vision OTS 2-14-2015
Freedom OTS 3/6/16
Reply With Quote
  #7  
Old April 18th, 2017, 02:46 PM
storybookcruises.com's Avatar
storybookcruises.com storybookcruises.com is offline
Moderator
Admiral
 
Join Date: Aug 2011
Location: Cape Coral, FL
Posts: 2,306
Default

Boy, do I agree with that one, Manny!

We were leaving on a 2-1/2 week trip to Europe, which including a 1 week river cruise. We were very excited about getting to see all the Christmas markets. Our bags were packed, sitting by the front door, and we were all set to leave for the airport about 1:00pm.

Early that morning, I had just gotten off the ice after reffing an adult hockey game and was in the locker room when my wife called saying our son was having chest pains. After making sure she didn't need to call am ambulance, I rushed home (the rink was only 1 mile from our house) and took our son to the emergency room. (He was 28 at the time and living with us.) They immediately ruled out heart and lungs, but couldn't figure out what was causing the pain, so they had to check him into the hospital for more tests. Three days later they had to remove his gallbladder!

Needless to say, when they were getting him settled in, I went home, stepped over our suitcases, and cancelled all our reservations. With flights, hotels, trains, and river cruise, this was not a cheap trip. The insurance company paid 100% of our out-of-pocket expenses.

We were not the ones who were sick, it was our son. Some policies cover problems associated with your family, while others don't. Luckily, ours did and I was obviously very glad I had purchased the insurance.

We had wedding party going on a cruise (if I remember right, I think it was 10 cabins). They were all flying to New Orleans to board the ship on the same day. On the way from the airport to the pier, the bride started having severe pain in her side. They had to divert to the local emergency room, where she was diagnosed with appendicitis and needed emergency surgery. Obviously, she had to cancel her cruise. Luckily, she had the travel insurance and was reimbursed for 100% of her out-of-pocket expenses. But here's the thing; everyone else in the group cancelled their cruises, because after all, they were going because of her. Everyone had the insurance and everyone was reimbursed.

There are many aspects of having travel insurance and after the many problems my clients have encountered or that I've personally encountered, I'm a firm believer in having it. It's like I always say, I'd rather have it and not need it, than need it and not have it.

Pete
__________________
Travel Agent/Cruise Specialist w/16 yrs exp and 51 Cruises on 12 different cruise lines in many parts of the world! VIETNAM VETERAN OWNED & OPERATED. Certified Accessible Travel Advocate. Specializing in unsurpassed personal service to insure you have a hassle-free vacation!
Reply With Quote
  #8  
Old April 20th, 2017, 01:32 AM
saronfornbac saronfornbac is offline
Junior Member
Familiar Face
 
Join Date: Mar 2017
Posts: 21
Default

so there are these kinds of insurance.. hmm never heard of that.
Reply With Quote
  #9  
Old April 20th, 2017, 01:32 AM
saronfornbac saronfornbac is offline
Junior Member
Familiar Face
 
Join Date: Mar 2017
Posts: 21
Default

Or I should say, I'm not so familliar with that but thanks for the info. At least now i know. Appreciated.
Reply With Quote
  #10  
Old April 20th, 2017, 11:01 AM
storybookcruises.com's Avatar
storybookcruises.com storybookcruises.com is offline
Moderator
Admiral
 
Join Date: Aug 2011
Location: Cape Coral, FL
Posts: 2,306
Default

That's why it's always good to work with an agent. They will have travel insurance companies they work with, know, and trust to provide a good product, at a good price, with good customer service. People will lead you to a website called insuremytrip.com, which is good for research purposes only, but not good for determining which company and policy is best for you, because as I said earlier, best name or best price does not mean best service.

And another word of advice, for those who are not citizens of the U.S. or Canada, it's important to purchase travel insurance from companies who sell travel insurance in your country, because almost all of the U.S. travel insurance companies do not cover foreign nationals, unless they have a permanent residence within the U.S. So, make sure to work closely with your agent and ask all the pertinent questions.

Never buy the travel insurance offered by the airline, when buying an airline ticket, because that's all that would be covered - no other expenses, such as cruises, resort stays, hotels, etc. would be covered. With the same logic, don't buy the travel insurance offered by the cruise as it may or may not cover your airfare, plus the limits are usually very low. It's best to purchase one independent policy that will cover all of your travel.

And NEVER just buy any policy online! It could end up being a huge mistake.

Pete
__________________
Travel Agent/Cruise Specialist w/16 yrs exp and 51 Cruises on 12 different cruise lines in many parts of the world! VIETNAM VETERAN OWNED & OPERATED. Certified Accessible Travel Advocate. Specializing in unsurpassed personal service to insure you have a hassle-free vacation!
Reply With Quote
Reply

Bookmarks

Similar Threads
Thread Thread Starter Forum Replies Last Post
Trip Insurance robertjones56 All Things Cruising 7 August 6th, 2010 09:07 PM
Insurance, insurance, insurance suse Celebrity 17 July 8th, 2010 08:17 PM
Insurance or no insurance? ginnyanne Carnival Cruise Lines 26 May 29th, 2008 11:55 AM
Insurance, Insurance, Insurance Bobby_G Carnival Cruise Lines 10 August 3rd, 2007 09:43 AM
Insurance or No Insurance threetrees Carnival Cruise Lines 9 July 31st, 2003 06:43 PM


Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

 

All times are GMT -4. The time now is 04:14 PM.
design by: Themes by Design