Always Make Sure Your Travel Insurance is a Primary Payer
I also use a third party company and make sure they are primary vs secondary payer and that pre existing medical issues are covered. I've found that most travel insurance is secondary, unless you purchase the most expensive option. I have one company I pretty much use all the time (Chubb). I buy their medium option. I just completed a 27 day cruise and the travel insurance was $800 for the two of us. The total price of the cruise with airfare was over $11K. A large part of the premium is to cover their cost of having to pay for the cruise if we had to cancel for medical or other covered reasons. When I have a cheap cruise, I often just buy the medical insurance option. It's not usually worth it to pay the extra to cover the canceled cruise price. Medical insurance is very inexpensive by itself. On an 8 day cruise, it was about $45 for me and $25 for the wife.
|