Quote:
Originally Posted by rhood
And another question, we have always used the insurance provided by the cruise lines. Are there other options for cruise insurance that may be more economical?
Thanks for any input.
|
You can almost always get travel insurance cheaper
when you do not buy it from the cruise line.
Your browser is not supported | usatoday.com
Cruise Travel Insurance: Is It Worth the Cost? - NerdWallet
My wife and I always buy an annual policy. It covers you for the entire year so if you take one trip a year, it is not a good choice but if you take several trips a year, it saves a lot of money.
Please note that for the annual policy, the trip cancellation and trip interruption amount is per insured, per year, so if you choose $5,000 per person, that is the most you can get even if you take 10 trips.
The policies claim that you covered if you are traveling more than 100 miles from your home so if you are driving to Miami for a weekend, you should be covered with the annual policy.
However, the primary reason that we buy travel insurance is for the medical benefits. The medical benefits are per insured,
per trip. So if you go on a cruise in January and you use $49,000 of your medical benefits on that cruise you can go on a cruise in March and medical benefits start all over again - you still have $50,000 for the second or third or tenth cruise. THAT IS THE MAIN REASON FOR BUYING CRUISE INSURANCE - TO COVER MEDICAL TREATMENT ON A CRUISE SHIP. My wife had a very minor injury on a cruise and had to see the doctor. The bill was about $500 and it is not covered by your medical insurance. We are paying less than that for the annual policy!
If we have to cancel a cruise because of sickness or death, the most we would be out of pocket would be under $10,000. I would not want to lose that but if you need medical treatment on a cruise ship, it could cost you a lot more than $10,000.
Check out the story about how NCL charged a passenger $47,000 for a few days in the ship's infirmary!
Norwegian cruise passenger gets flu, and $47,000 medical bill | FOX 9 Minneapolis-St. Paul