Insurance - repatriation - how much is enough?

[raahc]

This is the one part of cruising that is absolutely necessary, but stressful to research!

I'm reading the fine print of one quote and the medical portion covers $5 million per person, however, there are limits to return of deceased (up to $5,000). My husband's employer covers up to $3,000, so total of $8,000.

How do I know what the cost would be?  It would all depend on if/where this would occur.  I asked the insurance provider and they could not comment.  They advised me to look at the Government of Canada's website, which does not list costs.  

How do I determine how much is enough?

[Matt]

I recently posted a "Travel Insurance 101" podcast: https://www.royalcaribbeanblog.com/podcast/episode-315-travel-insurance-101

1 minute ago, raahc said:

How do I determine how much is enough?

I'll be honest, I have no idea either. But I do know having travel insurance that provides coverage of this type of situation is better than no insurance at all.

[raahc]

8 hours ago, Matt said:

I recently posted a "Travel Insurance 101" podcast: https://www.royalcaribbeanblog.com/podcast/episode-315-travel-insurance-101

I'll be honest, I have no idea either. But I do know having travel insurance that provides coverage of this type of situation is better than no insurance at all.

Thanks Matt, I think it's a morbid topic!  I purchased a good plan just now, and also made final payment on our cruise!  Now just counting the days .... 

I listened to your podcast a while back and it was super helpful 

[mk-ultra]

With all of the paperwork and other legal and logistical hoops required to go through to ship a body internationally, you're usually looking at $5K on the low end and almost triple that on the high end.  Too many variables to give a hard number.

[amanx]

I think most important is to have repatriation of your Live body, for proper medical treatment.  So make sure your insurance covers that, and if ther is a cap.

 

Getting flown home can be like 50K.

[raahc]

On 10/19/2019 at 6:44 AM, mk-ultra said:

With all of the paperwork and other legal and logistical hoops required to go through to ship a body internationally, you're usually looking at $5K on the low end and almost triple that on the high end.  Too many variables to give a hard number.

Thanks!

On 10/19/2019 at 1:25 PM, amanx said:

I think most important is to have repatriation of your Live body, for proper medical treatment.  So make sure your insurance covers that, and if ther is a cap.

Getting flown home can be like 50K.

I agree, insurance is not the place to cheap out!  Thanks!