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»	Cruise Talk » Cruising 1.0 » Cruise Insurance?

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Topic: Cruise Insurance?

rudi
Just Boarded
Member # 2875

posted 03-21-2002 08:04 AM

Just wondering how important is it to purchase cruise insurance?
We'll be at the dock 2 days before the ship sails, we're covered through our personal medical insurance. How likely is it that our luggage will be lost? How necessary is getting cruise insurance?

Posts: 7 | From: wisconsin | Registered: Mar 2002 | IP: Logged

Namlit
First Class Passenger
Member # 1940

posted 03-21-2002 03:23 PM

Many credit cards offer excellent vacation insurance as a fringe benefit of using a particular card. If you charged your cruise, call your credit card's customer service number to find out what your coverage may be. On our most recent cruise, we found that our MBNA Platinum card had us covered far better than the insurance we could have purchased would have... and it didn't cost us an extra cent.

Have a great cruise.

Posts: 309 | From: Greene County, Indiana, USA | Registered: Apr 2001 | IP: Logged

PamM
First Class Passenger
Member # 2127

posted 03-21-2002 04:07 PM

quote:
Originally posted by rudi:
Just wondering how important is it to purchase cruise insurance?
We'll be at the dock 2 days before the ship sails, we're covered through our personal medical insurance. How likely is it that our luggage will be lost? How necessary is getting cruise insurance?

Well it's compulsory for us UK'ites, but just check your medical really does cover you outside the US and any repatriation expenses if needed. Those heli lifts don't come cheap.

What if you fall ill between now and the cruise? What if you end up in an accident [hope not though!] the day before and you can't go?

If a close relative becomes seriously ill and you need to cancel the trip, have you got cover?

It's not likely your luggage will be lost, you'd have the airline to come back on there, although probably not enough to cover, and a couple of days to buy a few bits. Does your household insurance cover any losses/stolen stuff when on board? If the cruise gets cancelled, can you cancel the fights with no penalty.

Think of the worst scenarios and check you have cover somewhere for them. Maybe on the CC you paid for the trip with, we don't get much here, just death cover usually, US cards give a lot more.

Only you can determine whether it's worth you getting it, depending on the various types you have already.

Hope nothing does happen and you have a great holiday

Pam

Posts: 12176 | From: Cambridge, UK | Registered: Jun 2001 | IP: Logged

Katie O'Girl
First Class Passenger
Member # 2704

posted 03-26-2002 09:58 AM

I got it and I guess I always will on future cruises.
When I was visiting in the states and got sick last year the ER there sent me by helicopter to a big heart hospital in Jacksonville, Florida 45 minutes away by car but only 15 minutes away by LifeFlight. Guess what I paid? $5,750 for a 15 minute helicopter flight and I they wouldn't even let me look out the window!!!!!
Not used to that after paying only £156 for a whole week in intensive care in the hospital in Ireland. Anyhow, a crew member on the Pride told me that they had a person airlifted off of the last ship he was on and the total bill for them turned out to be almost $80,000 for transportation back to the states and medical on the island.
I think I'll stick with the insurance. I'm afraid to NOT get it.

Posts: 101 | From: Ireland | Registered: Jan 2002 | IP: Logged

hooked on cruising
First Class Passenger
Member # 1221

posted 03-26-2002 04:44 PM

I agree with Katie I think the insurance is worth every penny for the peace of mind alone. I will cut corners on different things to save a few $$ but not on insurance. We had family from Ireland a couple of years ago and my uncle took ill with an enurizm (not sure if that is how to spell it ) he was in intensive care for 6 weeks and underwent two operations and after all this he died. Their insurance covered the costs of flying his son out to canada and flying the body and the family members back to Ireland, God forbid that anything like that would happen but we never know and it would be awful to save a couple hundred dollars and end up bankrupt. take the insurance no matter what anyone says. I also think that when you depend on your CC insurance it only covers a certain amount. be careful

Posts: 243 | From: London,Ontario,Canada | Registered: Apr 2000 | IP: Logged

James
First Class Passenger
Member # 1351

posted 05-01-2002 03:59 PM

I think the most important thing is insuring the value of the trip in case accident or illness prevents you going. The second thing is emergency evacuation and the third is the insolvency of the line. I broke my arm 2 weeks prior to a cruise and had to be treated every five days so couldn't go. Had no insurance then but the line was gracious enough to give us full credit through our TA to be used within one year. We booked the following year and upgraded. That was a wake-up call so we insure always now. The latest claim was due to the bankruptcy of Renaissance. The minor loss and damage claims you can easily absorb but the coverage comes bundled. One caveat - never insure with the line; always take an independent company. Our TA sometimes has better rates than we can get on our own.

Posts: 202 | From: Illinois, Home of Lincoln and great graft | Registered: Jun 2000 | IP: Logged

FlRick
First Class Passenger
Member # 3026

posted 05-07-2002 08:29 PM

You should always take out travel insurance. If you are young-your child might get sick at the last moment forcing you to cancel your trip. If, on the other hand you are middle-aged, your parents might become ill at the last minute forcing you to cancel your trip. If you are (your choice here!) mature or "experienced" YOU might get sick at the last minute forcing you to cancel the trip. If on the other hand you are a teen-aged, independently wealthy rock star whose parents have dis-owned you and you have no children (that you claim)well...go for it!
Rick

Posts: 18 | From: Sarasota,Fl USA | Registered: May 2002 | IP: Logged

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